If the van won’t pass an MOT then surely it’s not insurance to drive on the road?
Ferrari 458 wheels
- Thread starter Joshvwt6.1
- Start date
Joshvwt6.1
Member
The point is. Insurance company are a law into themself charge what they like.
I was driven into with no fault of my own insurance company paid to fix. However I was left out of pocket 000s due ramped up renewal even though it was proven the other driver was at fault. He also excepted it w as. So as I say law to them selfs.
I was driven into with no fault of my own insurance company paid to fix. However I was left out of pocket 000s due ramped up renewal even though it was proven the other driver was at fault. He also excepted it w as. So as I say law to them selfs.
They are. I have had 30 years driving with no at fault accidents, no points on licence and no theft of or from vehicles. My vehicle values depreciate annually. My insurance goes up annually and if I didn’t shop around it would literally double each time.
It’s wrong.
But then so is people doing things to vehicles like fitting under-rated wheels… so the insurers have a valid excuse to bump
prices because they have to also consider these people who I’m sharing a road with (and people that refuse to pay attention when driving, or lack skill, can’t control themselves etc.).
Maybe the people that crashed into you had modified their vehicle outside of the law too? Imagine.
if their a law unto themselves as you say surly if they agree the mod as you say and you have an accident the van is still mot non compliant so not insured
Joshvwt6.1
Member
Easy fix again down plate the van dvla sorted. Thanks for all your comments lines now closed.
If he's open and honest and states, "I'm going to fit wheels of an insufficient load rating to my van" they will not agree the mod.
They will only agree if he omits that material fact and leads them to believe its a safely executed and legally compliant mod, which means two things; the moment it goes wrong and they find out he will find himself suddenly very uninsured, and he's commited a potential act of fraud by omission.
I was a boy racer once, and I've owned Ferrari wheels with an actual Ferrari attached to them, but I'm struggling to see the upside of this at any level beyond looking nice for a static photo.
They will only agree if he omits that material fact and leads them to believe its a safely executed and legally compliant mod, which means two things; the moment it goes wrong and they find out he will find himself suddenly very uninsured, and he's commited a potential act of fraud by omission.
I was a boy racer once, and I've owned Ferrari wheels with an actual Ferrari attached to them, but I'm struggling to see the upside of this at any level beyond looking nice for a static photo.
made up situation
you hit pothole underated wheel shatters van veers off road plows through a bus stop full of people police investigate find underated wheel on van non mot compliant but everythings going to be ok because you told your insurance company about them
you hit pothole underated wheel shatters van veers off road plows through a bus stop full of people police investigate find underated wheel on van non mot compliant but everythings going to be ok because you told your insurance company about them
Joshvwt6.1
Member
Missing the point never mind
Insurers have no authority to "give permission" to run low-rated wheels.
Joshvwt6.1
Member
Downplating the van to t30 status so legal.
The difference in t32 and t30 is nearly suspension and brakes. Not how much it weights
The difference in t32 and t30 is nearly suspension and brakes. Not how much it weights
what is the point enlighten me
So nothing to do with insurer "giving permission".
Something very similar happed - a large wheel came off a modified Land Rover and killed an 11 year old girl when it stuck her.
That was a really dreadful thing, I had forgotten about that. Very sad.
I uprated my van from t28 to t30 by basically buying a sticker. So it must be possible to go the other way, downrate the weight and if that then means the rating matches the wheel rating they are safe, MOTable and insurable? The safety of the wheel doesn’t change, the legality of running them does
You can't down-rate to lower than 3500kg GVW, so its moot.
So I couldn’t downrate mine back to a t28?
Apparently not.
From what I understand downrating, or de-plating, is a an exercise mainly designed to accommodate new licence holders or those with certain categories on their ticket. For example, I could drive a 7.5t Diddy wheeler because I'm old, but newer licence holders are restricted to 3.5t so some vehicles can be downrated to accommodate that.
Anything below 3.5t can be driven on a basic car licence so there is no legal need to downrate a vehicle that is already within that class.
I’ve had my T32 down rated to 3000kg gvw by SV Tech.
I kept original axle loads as suited my needs, but could have had them lowered to allow lower load tyres and/or wheels
Apologies, my book is well out of date then.
