M4 Wheel Spacers and Insurance

[f82m4mg]

Can anyone share their experience with car insurance covering wheels spacers with stock wheels in Vic?

In particular are these covered by insurance and deemed legal or not by Vicroads?

Thanks in advance.

[im_dave]

I remember Southern BM telling me that spacers are not road legal. And could void insurance... but most people take the risk.

[mynameisplayer]

https://www.vicroads.vic.gov.au/~/me...cles.pdf?la=en

13.3.2

[drgmt]

My insurance was told about the spacers and had no issue including in the policy.

[elisiX]

That doesn't make them legal.

You likely got some numpty on the phone who just listed them without thinking anything of it.

[drgmt]

No but it means they can't deny a claim based on their presence

[elisiX]

Absolutely.

[donR]

Originally Posted by drgmt

My insurance was told about the spacers and had no issue including in the policy.

That's pretty generous, what insurer was that?

My take is as long as your wheel doesn't fall off and cause an accident then there should not be an issue.

[domino_z]

Originally Posted by drgmt

No but it means they can't deny a claim based on their presence

unfortunately incorrect

regardless of what is noted on your policy schedule by some faceless person on the end of a telephone, any modification that makes the vehicle non roadworthy at the time of a claim is grounds for a denial - this will be buried somewhere in the policy wording

[drgmt]

My policy requires disclosure of any modifications and as long as approved by the insurer it will be covered.

I have all modifications listed and cover confirmed in writing by the senior underwriter at lloyds of London. Trust me it's water tight.

[domino_z]

Originally Posted by drgmt

My policy requires disclosure of any modifications and as long as approved by the insurer it will be covered.

I have all modifications listed and cover confirmed in writing by the senior underwriter at lloyds of London. Trust me it's water tight.

Lol these threads always end up this way with people getting all defensive

From someone who does this for a living, your insurer has no authority over what is deemed road worthy by RMS/vicroads/etc regardless of what they accept (it is your responsibility, not your insurers, to ensure your vehicle is road worthy and thus in acceptance of their policy wording)

Whether an assessor is clued up enough to pick out non road worthy parts like a highway patrol officer is another issue

PS: lloyds, as well as not being an actual insurance retailer in Australia, are an overseas underwriter and would know even less about what are considered non worthy mods in this country - my advise would be to use an Australian insurer so you aren't given misinformationu

[drgmt]

Thanks I'll keep that in mind.

The wheels minimally protrude form the arch and wouldn't attract attention.

The assessor wouldn't raise it either so I think I'll be ok.

Have a nice Father's Day.

[sleeprequired]

Unless the policy explicitly states it has to be considered roadworthy then the spacers won't be grounds for denial. Even if the policy states both and they're in conflict any half decent lawyer will get you covered.

I had a mate who totalled his car while over 0.00 BAC as a p plater. His insurance company tried to dny the claim but the policy only mentioned under 0.05 and he got paid out.