Hi all, id quite like to paint my original steel wheels white which i reckon would look good on the green car. Its not lowered/modded at all currently so how would it stand with insurance if i did get them sprayed?

They won't worrie about it mate at the end of the day there stock steels and a cheap as chips to replace. Maybe ring them first and see what they say though

Colour changed wheels need to be declared.

So if I sprayed them a different shade of silver would I still need to declare it?!

It's unlikely they will compare a colour chart to your wheels, so a different shade of the same colour won't make a difference.

At least you're asking though, most people would just pass it off

That's good I think ill just spray them gun metal grey tbh just to tidy it up

best check if matt or gloss is correct ....dont want to be breaking any laws now

Lol

Are you having a laugh sky insurance

So you want people to declare painting their steel wheels.

You'll be asking us to declare if we run hub caps next or if we lose one and only have 3 fitted.

Do I need to declare that I've fitted rubber foot mats in the car too

Insurance companies are an absolute joke nowadays

Just to add I'm all for declaring modifications but something's just take the piss

I too am all for declaring mods but a colour change on steel wheels?

What about when the steel wheels are rusty as sin, do we need to declare that? As to be fair they are a completely different colour to standard then.

So say some one got there factory fitted alloys refurbed the colour match is never gunna be perfect. Do the still need to be informing insurance companies. Painted steel wheels are not likely to increase the chance of a crash or are they gunna increase the chance of theft. If it's the theft one surely fitting locking wheel nuts should the bring you are insurance down a few hundred quid as fitting one of them steering wheel locking things and maybe the one that locks the gear stick to handbrake the should bring the insurance down shit loads. Oh yeah but Then u would need to tell the, u have fitted them security devices which would probaly put you are insurance up. Anything to make money this is why the country is a joke.

we all know that painting your wheels ends up in a fireball. jeez

I knew I should of used high temp paint dam I'm gonna have to do them a again

what if the paint chips off and hits someones windscreen. could be a disaster.

I really would like to know the true reason to the need of declaring painting wheels even standard alloys because there's no increase in chance of theft because at the end of the day there still factory wheels it's not like there £1000 bbs alloys. I suppose on the event of a crash and a wheel is damaged they would have to paint that wheel to match but then surely there could be an option on insurance to not worry about painting the replacement.

Don't put more than two layers of paint on though as it could write off the car behind the car behind if it does start flaking off

Edited 8 December, 201312 yr by mattieboi6n

so if you get a puncture and put a space saver on, you are then voiding your insurance if you dont tell them, or do you pay a £25 admin fee and tell them, so you can then take it off 10 minutes later and pay another £25 admin fee when you get your tyre changed?

that would be just as anal, and fucking stupid

A space saver is more likely to cause an accident aswell. It's the same as fitting a normal spare cause most are steels if u have alloys anyway. And most of the time the tyre has no tread flat as a pancake and perished so just as more likely to cause an accident aswell.

£50 plus puncture repair dam that's gunna get pricey

Lol that's mad

To be honest if it was me I wouldn't bother speaking to your insurence company about painting the standard wheels,

I very much doubt in the event of an accident they would hold that against you because they are the correct wheels,

Although having said that most insurence policies state anything that differs from how it came out the factory should be declared.

Question is where do you draw the line?

Where do you draw the line indeed?

I'd guess that 99% of cars over ten years old are modified in some way from how they left the factory. Something like a different make of tyre to standard or Halfords OEM replacement brake pads or pattern parts from a motor factor.

Do all these need to be declared? If so everyone in the UK with a car over ten years old better stop driving now for risk of not being properly insured.

This is exactly true. I have to modify pattern parts so they fit as well. Do I need to the, about that. Also seems we are on insurance. A 1960 or before car doesn't need an mot or tax but still has stupid cheep insurance prices because it qualifies for classic car insurance. Most 1960 cars will have rusted at some stage. I was given the job to get a mg a from the 1950's to get it road worthy. While checking it over for rust the battery almost smashed in the head when I was underneath the car they are mounted under the soft top compartment witch is also unde the car in a steel box. So with a tight budget and the customer not wanting to spend the money I made another box and a section of floor pan to weld in I also had to fabricate an exhaust as the one the customer supplied didn't fit so I modded what he supplied with pipe we had lying round so mad a straight centre section going to the backbox. Along with making a good steering rack out of a new one and the old one also rebuilding the brakes but they surprisingly fitted. That was 3 custom parts made I'm sure he didn't inform the insurance company even though one is classed as a performance upgrade.

I bet if u picked at random 50 cars from the streets maybe 5 would be factory spec. Every car is modded in someway. Most people change speakers but because they can't be seen don't inform insurance even though this is a modification that u should tell them about same for stereo even a red at I thee gear gator.

What about if you buy a car second hand?

do you have to strip it back to a bare car and check every single part number just incase something isn't factory?

Personally I think they put that in the insurance document to cover themselves. This way it can't be said that a car owner didn't know they had to declare their new exhaust etc,

I did notice though that my insurance covers me for up to £££ for stereo cover?? So surely that means I wouldn't have to declare a head unit change?

All I know is that my friend was with the co-op black box with painted alloys. They refused to fit the box once they'd seen the car and landed him with a £90 admin charge to go and refit the box on another day. Once he'd got the wheels repainted silver.

Edited 14 December, 201312 yr by vdoubleu