[verysideways]

Look what i found today...

Will be replacing my Pirelli runflats with these in due course.

[X5MSD]

I had to tell my insurance company
Make sure you check

[teaston]

Originally Posted by X5MSD

I had to tell my insurance company
Make sure you check

Why would you tell your insurance company you're replacing your tyres!? :

[Jayf30]

Mine came in yesterday, gonna mount them tomorrow morning

[MediaMan]

Originally Posted by teaston

Why would you tell your insurance company you're replacing your tyres!? :

Because you are deviating from the original (as supplied) vehicle specification, which, as I understand it, is run-flats, so insurance co. may possibly view change as a modification. Why give them an excuse to wiggle out of a claim!! .

It used to be the same for winter/summer tyre swaps, then the ABI prepared a document on whether you need to tell insurance co of winter tyres.

http://www.abi.org.uk/globalassets/f...commitment.pdf

We bought a 3 year old Cooper S in 2015 which did not come on run flats - and we were not aware. It was just at the time (around autumn 2012) it became an option to fit runflats, as non-run flats became standard.

[teaston]

Originally Posted by MediaMan

Because you are deviating from the original (as supplied) vehicle specification, which, as I understand it, is run-flats, so insurance co. may possibly view change as a modification. Why give them an excuse to wiggle out of a claim!! .

It used to be the same for winter/summer tyre swaps, then the ABI prepared a document on whether you need to tell insurance co of winter tyres.

http://www.abi.org.uk/globalassets/f...commitment.pdf

We bought a 3 year old Cooper S in 2015 which did not come on run flats - and we were not aware. It was just at the time (around autumn 2012) it became an option to fit runflats, as non-run flats became standard.

You definitely do not need to tell your insurance company about changing from run flats to non run flats! As long as the new tyres are the correct size for the wheels and the correct speed and load rating that is all they are concerned about. Most people don’t even know what run flat tyres are!

[Rbrown]

Originally Posted by Jayf30

Mine came in yesterday, gonna mount them tomorrow morning

Very interested to hear how they are on the car.

[Rbrown]

Originally Posted by verysideways

Look what i found today...

Will be replacing my Pirelli runflats with these in due course.

Out of interest, I'm assuming you don't need the SUV classed tyre for our cars?

[MarkyM]

Originally Posted by Rbrown

Out of interest, I'm assuming you don't need the SUV classed tyre for our cars?

You can only use XL tyres on the X3, which have reinforced side walls, won't quite be as comfy as saloon tyres but should be better than run flats

[MarkyM]

Originally Posted by Rbrown

Very interested to hear how they are on the car.

+1, Happy with ride on run flats but always that niggle that going this route will be better

[X5MSD]

My insurance company AXA said if I change from run flats to normals
It was a mod
I can only comment on mine own experience
I would check just to be sure

[Tokke]

So how are the Michelin tyres?

[MediaMan]

Originally Posted by teaston

You definitely do not need to tell your insurance company about changing from run flats to non run flats! As long as the new tyres are the correct size for the wheels and the correct speed and load rating that is all they are concerned about. Most people don’t even know what run flat tyres are!

That's not what Direct Line told me a couple of years ago. But then, maybe I got one of the new jobsworths....

[teaston]

Originally Posted by MediaMan

That's not what Direct Line told me a couple of years ago. But then, maybe I got one of the new jobsworths....

It's strange I've never heard of this before, but maybe some insurance companies have changes their policy on this. Quite glad my car came with non RFT's now!

[Jayf30]

200 miles on the PS4S so far and great!

A couple things:

They are significantly quieter than oem Pirelli run flats so now I can really focus on my loud ass exhaust No but seriously, I didn't know the pirellis were that loud.

Noticeably more comfortable. When you're cruising, that's where you really notice it. High speeds feel a bit more stable as well.

I also like the side wall of the PS4S, they aren't as bubbly as the pirellis.

Haven't done any driving on windy roads yet but the few decent turns I've sent it on, definitely feel much more composed.

[MarkyM]

Originally Posted by teaston

It's strange I've never heard of this before, but maybe some insurance companies have changes their policy on this. Quite glad my car came with non RFT's now!

Out of interest what make of tyres do you get with the non-run flat high performance tyre option?

[Richierich32]

The x3 M40i / 40D can be specc'd with 'high performance tyres' which to my knowledge are the PS4S so it's a moot point.

[adam.b]

Originally Posted by X5MSD

My insurance company AXA said if I change from run flats to normals
It was a mod
I can only comment on mine own experience
I would check just to be sure

How on earth it was classified as mod? Country (UK) were you can fit on a car all 4 tyres different make and model.
In all EU (easier than naming every one/) tyres on each axle (at least)need to be same model and make.
The sticker on car does not say what make/model or run-flat tyre need to be just size, speed and load index.
Insurers are just ripping off car owners.

[Jayf30]

Originally Posted by MarkyM

Out of interest what make of tyres do you get with the non-run flat high performance tyre option?

I don't know, sorry! I think teaston can answer that question.

[teaston]

Originally Posted by MarkyM

Out of interest what make of tyres do you get with the non-run flat high performance tyre option?

Pirelli P Zero PZ4 SC

[MarkyM]

Originally Posted by teaston

Pirelli P Zero PZ4 SC

Many thanks, I wonder if there is any other suspension modification they do with that option other than supplying the mobility kit?

When I ordered it was a £720 option for non run flats (no MSport+ pack back then) but like for like rubber price would be similar if not slightly cheaper

[supersebbo]

You do have a level of discretion with what you tell an insurance company, it's all down a 'reasonable' interpretation of the policy wording. I am certain in a court of law a judge would rule that changing tyres would not be considered a 'modification' as far as a normal interpretation of that word in relation to vehicles - unless your policy specifically states that changing tyres is a modification. However, if you do tell them, they are permitted to increase your premium as a result of this information.

As a solid example of this, my father recently renewed his policy and was asked if he had any motoring convictions or fixed penalties since his last renewal. He (foolishly) said "no I didn't get a fixed penalty because I was permitted to so a Speed Awareness Course instead, do you need to tell you about that?". The girl on the phone said "you are not required to disclose non-penalty outcomes of being caught speeding, but as you have disclosed this, it will be recorded on our system and may be taken into account". His renewal went up £400 as a result. He pleaded with her to 'ignore' it but she said that isn't allowed since he has disclosed it and he ended up renewing at a much higher level.

When he told me about it I helped him get new quotes, making very sure to read the wording of the questions and policy carefully. As it wasn't specifically asked for in any of the quotation questions, we obtained the quote without disclosing the speed awareness course, and it was back at the level of the pre-disclosure premium (even with the same company).