tyres and load ratings
 

ok. saying goes u get what u pay for, cant ring more true then now!!

needed some new rubber bands last year, and decided to cheap out on some lovely nexen n3000's. was a bit of a tyre noob, and only focus on size (215/35/r18) and speed rating.
wat i WASNT aware of, and kinda annoyed tyre shop didnt make me aware of it, was load index of tyres.
i have since discovered nexen n3000's are of a lower load index then what subaru specifies on their tyres ( min 545kg per corner i believe, as opposed to 500kg per corner on those nexens)

questain is does this void insurance policy(comprehensive) completely? my policy has taken into account the aftermarket alloys, but nothing was ever mentioned about tyres and specs.

:mad: :confused:
please advice.
thanks

[QUOTE=jOh4n]ok. saying goes u get what u pay for, cant ring more true then now!!

needed some new rubber bands last year, and decided to cheap out on some lovely nexen n3000's. was a bit of a tyre noob, and only focus on size (215/35/r18) and speed rating.
wat i WASNT aware of, and kinda annoyed tyre shop didnt make me aware of it, was load index of tyres.
i have since discovered nexen n3000's are of a lower load index then what subaru specifies on their tyres ( min 545kg per corner i believe, as opposed to 500kg per corner on those nexens)

questain is does this void insurance policy(comprehensive) completely? my policy has taken into account the aftermarket alloys, but nothing was ever mentioned about tyres and specs.

:mad: :confused:
please advice.
thanks[/QUOTE]

yes if u are invloved in a accident and the load index is inncorrect it will void ur insurance claim. insurance companies look for everything they can to get out of paying u.

[QUOTE=Avalanche]yes if u are invloved in a accident and the load index is inncorrect it will void ur insurance claim. insurance companies look for everything they can to get out of paying u.[/QUOTE]

how about mechanically, will it cause pre mature wear and tear on suspension components...

not happy..jane.... :sad9:

Who fitted them, surely there is some responsibility they must fit correct load tyres? Unless of course you specifically asked for a tyre and didn't accept their recommendation.

Insurance = Void. Change the tyres now.

If you get pulled over by the police and they decide to inspect your tyres you will land in hot water if your tyres do not meet the speed and load ratings set by the manufacturer on the tyre placard.

Yes your insurance is invalid and if there is an accident investigation that places the cause of the accident on your tyres...I.E Lost control of the car after a blowout caused by running tyres of an incorrect load rating, then you stand to get your anus thoroughly stretched.

[QUOTE=Avalanche]yes if u are invloved in a accident and the load index is inncorrect it will void ur insurance claim. insurance companies look for everything they can to get out of paying u.[/QUOTE]



Avalanche Do you work in insurance? If so i think you should check you company guidlines as this is incorrect information.

In claims for motor vehicle accidents the assesors never look at the tyre loading or the loading for a set vehicle.

I have refered this to an assessor and the manger of the motor claims department and between the 24 years in claims experience they have never been aware of a claim being declined for this.

So i wouldnt worry about a claim being decline on these grounds. Insurance companies are not the ogres that people make them out to be.

[QUOTE=jzr]Avalanche Do you work in insurance? If so i think you should check you company guidlines as this is incorrect information.

In claims for motor vehicle accidents the assesors never look at the tyre loading or the loading for a set vehicle.

I have refered this to an assessor and the manger of the motor claims department and between the 24 years in claims experience they have never been aware of a claim being declined for this.

So i wouldnt worry about a claim being decline on these grounds. Insurance companies are not the ogres that people make them out to be.[/QUOTE]

sorry mate no i dont work for an insurance company, but correct me if i am wrong but an incorrect load rating can be a cause of accident if so how can that be over looked? Also how many assessors have you refered this to?

good thing you made this thread because I called tyre power yesterday and was getting some prices for tyres and when I told him that I was running Kumho Ecsta 205/40/R17 he said that he didnt think they had the correct load rating for my car and told me to bring it in so he could have a look. now I know about the insurance is void I will look into it this weekend

and where will it tell me on the car what the load rating is and where on the tyres is in by the front drivers seat on the badge when you open the door????

Here is a little guide for you all that don't know:

(LI = LOAD INDEX) (KG = Kilograms)

LI KG LI KG
71 345 91 615
72 355 92 630
73 365 93 650
74 375 94 670
75 387 95 690
76 400 96 710
77 412 97 730
78 425 98 750
79 437 99 775
80 450 100 800
81 462 101 825
82 475 102 850
83 487 103 875
84 500 104 900
85 515 105 925
86 530 106 950
87 545 107 975
88 560 108 1000
89 580 109 1030
90 600 110 1060

There will be a load index on the plaque. Just make sure your new tyres are the same or higher.

i.e. The Nexen 3000's 215/35/R18's as mentioned above have a load rating of 84, which will be well below the Subaru minimum (87 I think)

However a Nexen 3000 225/35/R18 has a load rating of 97, well in excess of what you require.

You can't simply fit any old tyre to a car, you need to match it up properly, especially when changing rim sizes from the factory.