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Hi folks. Just read the thread about mapping and insurance and it got me wondering. My C7 RS6 PE is standard but I did recently put on another set of wheels with winter tyres. They are OEM Audi wheels but 20s rather than the 21s the car came with. And I fitted spacers. This wouldn't be classified as a mod would it? As long as it's not affecting performance I would have thought not.

When I was insuring the car I wanted to make sure all the factory fitted options were listed and the company told me they don't care about that as long as they are factory fitted and don't affect the performance.

Doubt they would worry about the wheels but the spacers aren’t factory fitted.

Cheers

They would categorise that as a mod. If it didn't leave the factory like that then it's a mod. Arguably, you could tell them they were the factory wheels and they might not know any better.

FrazerD wrote: ↑

Sat Jan 12, 2019 8:21 pm

Doubt they would worry about the wheels but the spacers aren’t factory fitted.

Agreed

My insurers want to know that I have winter wheels and tyres and it's noted on the policy as a modification, but leave it up to me when I swap them and they don't need telling.
No charge for that by the way.
I do actually use OEM wheels but they didn't ask for any details. It's obviously implied that I have a spare set and so have to store them, again details not required.

Spacers I'm sure they would want to know about and may even have concerns.

Cheers folks. Glad I asked. Better give them a call on Monday.

They care about mods for many reasons above performance; e.g. increased risk of breakdown, damage or theft, additional costs of repairs, etc.

They care about anything they can charge you more for...or use as an excuse to get out of paying a claim. I’m not being arsy...but remember they’re just a business looking to make a profit and minimise risk.

You probably won't pay any extra.

I've got a C5 RS6 with C6 RS6 wheels, they saw this as a mod (OEM+). Don't matter, it's a mod. Even the CS Sportster seats and TTS flat-bottom steering wheel are listed mods.

Your policy is normally very clear in this. Any changes after it left the factory is a mod.

MikeFish wrote: ↑

Mon Jan 14, 2019 6:31 pm

Your policy is normally very clear in this. Any changes after it left the factory is a mod.

Probably is Mike, but that involves reading the policy.

MikeFish wrote: ↑

Mon Jan 14, 2019 6:31 pm

Your policy is normally very clear in this. Any changes after it left the factory is a mod.

Not always.
One big-name insurer I used also put down a couple of factory-fit options as modifications.
Bearing in mind that these were ABS, heated windscreen and air conditioning that was a bit weird!
Non were standard at the time of manufacture, nor indeed that common on the particular model, though they would be now.