17" versus 18"

[ygoslo]

Again Tim, this is not true. What you think and what your insurance Product Disclosure Statement ("PDS") says are very different things. Go and check out your PDS around your obligation to ensure that your car is roadworthy, complies with laws etc as a condition to being covered. More on this when I respond to Steve in a subsequent post.

General exclusions applicable to your policy

• Your motor vehicle ... was being used in an unsafe, unroadworthy or damaged condition unless you can prove the loss, damage or liability was not contributed to or caused by that condition

Don't bother with the subsequent post.

 

[unclepaulie]

this turned out better then expected. i just go some new rims today,

18x8.5 +35, i man'ed up

sure i would like 18x9 +25 advan rs's but i dont hae 3000 fro rims lol

 

[ygoslo]

Pics?

 

[unclepaulie]

they havent arrived yet, but theyre anz rage's, like Gly has, cept mine are getting powdercoated matte black


super choice!




EDIT: wannabe advan RS ftw lol

EDIT: yes Gly, not brad...im typing 2 assigments at the same time, so my mind is other places

 

[bradc]

I own Wedsport TC-005's, EVO 9, EVO 8 and Enkei RPF1 wheels.

 

[cyber_scriber]

If i can assed, i'll scan in my insurance policy where it clearly lists all the modifications to my cars which are covered and part of the policy.

Hi Steve.

With respect, having certain mods listed on your policy is very different to an insurer expressly agreeing to waive a policy condition that requires you to keep your car roadworthy, legal etc.

Unless I am mistaken, the primary reasons why mods are listed on the policy are so that:

a) the premium can be adjusted accordingly, if at all; and

b) the cost of the mods or the increased agreed value of the car are paid out in the event of a total loss or theft.

When you call the insurer to nominate these mods, they generally do not ask "is the non-standard exhaust under 90dB? Are the non-standard wheels within legal limits for width and track?". All an insurer wants to know is whether you have any non-standard modifications and their value. As previously mentioned, this is because it is still your responsibility to comply with your policy conditions, irrespective of what mods are or aren't listed.

Therefore, there is no need to scan an insurance policy with some mods listed because that would not confirm what you originally stated i.e. that an insurer would expressly allow illegal modifications.

i disagree with ur '2 types of modifiers' theory. its never that clear cut.

Precisely, which is why I said "there are at least 2 types of modifiers ..."

i guess girly men will use legalalities as their scapegoat why they dont take the risks us others do.

Can I make the point that it's OK to have a differing point of view but it's not very cool to be name calling and referring to people as "girly" etc?

One could also easily say that people who go for the massive rims, crazy offset, dump it to the ground, fit a massive exhaust and BOV that can be heard in the next suburb etc are self absorbed, narcissistic, insecure, attention seeking, try hard tossers who love to engage in d!ck measuring contests at the lights. Of course, that wouldn't be very nice, now would it?

There are many reasons why people do not want to go the whole hog with mods, none of which are to do with being girly or manly. I have already stated that there are owners who just don't want the hassles with canaries and being cop bait. Further to that, I will also add that very few people love to be theft bait with highly visible or audible "come steal me" mods. Other reasons include ride quality, noise, practicality, to ensure reliability etc. All of these reasons are rational, logical and understandable and I question the emotional security of anyone who thinks that such reasons somehow mean that the owner is somehow girly and copping out or "just can't afford to do all the mods".

In fact, even in this thread, several people have said that the reason they are considering 17's instead of 18's is for ride comfort or that they are concerned at damaging the larger rims on the bad roads around where they live. Does this make them girly or cheap? Of course not!

the only reason u would get 17's is coz u cant afford the the 18's.

In relation to this comment, I think it's very presumptuous to assume that people who go with 17's cannot afford 18's. I think you would be very surprised at the number of mature owners who have substantial cash reserves for their car but choose to go with the more practical, discrete and comfortable choice of the smaller rim or less outrageous mod. Not everyone wants their ride dumped on massive chromies

yeah lambo's and all that are stock, but seriously, if u buy a lamo or ferrari, it doesnt need to be modified. comparing modified/tuner cars vs exotics, is like comparing apples with cement mixers.

BMW 135i, Nissan 350Z, Honda S2000 and the list goes on. Any number of these cars aren't exotics. Most people would regard them to be performance cars, even if they were 100% legal and stock.

Bottom line - just because someone doesn't agree with you, doesn't mean that they are girly or can't afford it. It just means that they are different to you and suffer no shrinkage issues just because they haven't gone fully sik with their mods

 

[cyber_scriber]

Dear god. Bruce, no one likes a bush lawyer.

C'mon Tim. Play nice mate. No need to get personal because the intellectual ammunition ran out

One could also very easily say that no one likes a self appointed wheel expert who can't take it that they got something wrong in relation to wheels.

In fact, if one was able to look at my private messages, one would note that I am not the only one to make that observation

 

[godzilla]

Can the mods change the title of this thread?

 

[cyber_scriber]

Don't bother with the subsequent post.

C'mon Tim. As I said, play nice!

I think we both agree that if you materially mod your car, then it has to be notified to your insurer and listed on the policy. However, that doesn't mean that you're automatically and unconditionally covered.

What you have quoted doesn't support what you say at all. In fact, the Shannons PDS wording actually helps them (there goes that bush lawyer in me again).

My legal interpretation of that wording is that even if you have notified the insurer of the modification, you are still denied coverage if your car is in an unsafe or unroadworthy condition (e.g. by way of illegal mods), unless you can prove that the claim was not caused or contributed to by that unsafeness or unroadworthiness.

In plain English - "If you mod your car and that mod makes your car unsafe or unroadworthy, the insurer automatically denies your claim. The onus is on you to prove the claim and to establish that the mod did not in any way whatsoever, cause or contribute to the claim. Put another way, if your fully sik wide rims even contributed by 1% to the accident, you're gone and it is on you to prove 100% that it did not contribute in any way whatseoever - a very high legal standard.

If I was an insurer, it wouldn't be hard for me to argue that any illegal change to the wheels / traction / grip / handling / aqua planing elements contributed in some way to the claim. However, as the insurer, I don't even need to argue this - you have to prove this is not the case!

Tim, do you have any idea how much it costs to hire accident forensics specialists to prove your claim? Will you spend $15k in costs to recover $15k?

No matter mate. This is not something you need to argue with me. This is something you can argue with the assessor when the time comes. No point arguing though unless you can prove it (at your cost).

 

[ygoslo]

I own Wedsport TC-005's, EVO 9, EVO 8 and Enkei RPF1 wheels.

Yeah I think he meant Gly. They could look OK, we'll have to wait and see!

Bruce - I like me. Ammunition didn't run out, I just find it quite difficult to respond to your posts because I disagree with each sentence you write a little more than the last so I can't decide which bit to pick at first. Then I get lost and give up. You obviously like the sound of your own keystrokes a lot more than I do mine, so good for you.

Keep typing (scribing?) though, I like a laugh just as much as the next guy. And be sure to post pics of your car after you buy some new rims for it.

 

[unclepaulie]

yeah gly, woops, i edited my post

 

[cyber_scriber]

Bruce - I like me.

Tim, it's obvious that you have plenty of self love

Again, I'm not the only one to make that observation, except that others have used a slightly less diplomatic phrase to describe your self love

It's OK for us to disagree. It's not the end of the world, mate.

PS. I'm more than happy to post further pics of my car once I upgrade the wheels. I may have mentioned that the intention is to keep the wheels legal and where that is not the case at first instance, an engineering certificate won't be too far away.

I'll be sure to get your expert wheel advice (except when it comes to wheel widths, of course) and I'm sure we can agree something when it comes to my wheel choice. The one thing we definitely don't agree on is that sometimes, some people aren't worth annoying e.g. insurance assessors

 

[ygoslo]

Tim, it's obvious that you have plenty of self love

If only you knew the truth.

I kind of agree with you on the insurance assessor thing - my Silvia isn't insured at all. *cue shocked comments from everyone about irresponsibility*

 

[cyber_scriber]

Shit Tim! Not even 3rd party property insurance?

Can't be more than $400 a year for piece of mind in case you went sideways into a Lexus in your mad wheels!

One insurer qouted me $350 a year 3rd party property on my S15. I don't imagine your older car would be much more than that.

 

[ygoslo]

I was going to get comprehensive through Shannons, and got a quote for about $900 with everything listed, but in between the car being off the road for a while and me not being able to be bothered, the quote lapsed. Then I had an attack of responsibility and called up again, but they increased the quote by $100-odd. So I got grumpy and didn't take it out. Haha! That'll show them. I keep sort of meaning to insure it, but the enjoyment I get from the looks on people's faces when I tell them it isn't insured are so much fun. And I'm quite lazy and stingy.

 

[godzilla]

Ready people, they are about to hug.....

 

[steveP]

lol 'girly men' is hardly name calling, ever heard of 'tongue in cheek' expressions?

just coz u have correct fitment doesnt mean ur trying to impress anyone. sure, some people do it that reason. same as some people go the wrong rims out of ignorance. but i believe most people take the risks and mod their cars.. regardless of legalalities coz they want their car to represent the jdm look, afterall it is a jap import.

..as well as increasing the performance of their car.

 

[ygoslo]

Ready people, they are about to hug.....

Nope, I briefly considered taking Bruce out on a make up date but he insisted earlier in this thread that I pay, and knowing his stance on welfare, I thought he might get a little uncomfortable.

ever heard of 'tongue in cheek' expressions?

Unfortunately I think Bruce's sarcasm and tongue in cheek detector is broken. I've been testing it, but haven't managed to get a signal.

 

[steveP]

all signs reading negative hey.. haha!

 

[mookers]

Nope, I briefly considered taking Bruce out on a make up date but he insisted earlier in this thread that I pay, and knowing his stance on welfare, I thought he might get a little uncomfortable.

Oh... sharp... very sharp, ouch!