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.


please advice.
thanks

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.

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

not happy..jane....

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.

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Werewolf Barmitzvah.....

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????

What model Ecsta's did you get??

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....slow and steady wins the race....fark that!!

i refered this to a senior assessor whilst the other 2 where there. they all agreed. Plus the claims senior manager who is an associate insurance professional via the Australian Institute of insurance agreed on this.

They would have to determine that the tyre was the cause of the accident and then also prove the owner of the vehicle was negligent and was aware he was fitting the incorrect tyres.

Considering all the factors in a car accident it would be almost impossible to pin point the cause of an accident on an incorrect load rating.

For example how will they determine that the tyre popped as a result of the load or because of the road surface or even that the tyre burst as a result of the impact. Vehicle assessors are usually panel beaters with years of experience to help determine the correct cost of repairs or damage caused by fraudulent accidents.

To cut a long story shot if your with HBF you will be covered as the claims department do not look at these things. A claim will be declined usually because of alcohol, loss of lisence. previous claims history or non disclosure.

sorry for the long post.

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Werewolf Barmitzvah.....

[QUOTE=jzr]

To cut a long story shot if your with HBF you will be covered as the claims department do not look at these things. [QUOTE]


thanks.
will be speaking to said tyre shop to see where i stand. valuable lesson learnt.

So if the driver was sober, alert and driving to the conditions in a well looked after and mechanically sound car and they have an accident because they lost a tyre where would the blame lay?

What if the driver statement states they were just driving along and heard a bang followed by complete loss of control...even more so if there is a witness backing up that they have not run over anything?

What if the police report mentions that the incorrect tyres have been fitted?

Surely if the driver is not directly at fault (they would be to a point...its up to you to make sure the tyres are okay to use) and the car is in good condition but its found that the tyres are of an incorrect speed / load rating the blame must lay with that? I'm certain that there would be evidence of the tyre being at fault in the way the tread is worn and delaminted from the carcass.

I'm not trying to argue...just trying to understand why tyres do not come in to the accident investigation from the insurance companies point of view.

Now that one I am sure is complete BS!!