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#1
15th October 2012, 03:49 PM
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Insurance and winter wheels/tyres
My insurer (Direct Line) has always insisted that I phone them to let them know when I put winter wheels/tyres on and take them off. They then send me paperwork, admittedly at no charge, to show the "modification" as they call it.
 Today I was renewing the insurance on "other" car (Focus) and asked about this. The agent (sorry "Sales Consultant"  ) said he could just put down as a permanent modification that I had a spare set of winter wheels/tyres for "seasonal" use and there would then be no need to tell them when I switched.  He also did the same thing for the Audi which is insured by them but nowhere near renewal. I await the paperwork for both with interest! He said that obviously they would want to know if I stopped doing this on either car, which seems entirely reasonable.  So, something that maybe the insurers are beginning to get a handle on and is worth asking them about. 
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2003 D2 FL S8. Irish Green Pearl/Beige. Solar sunroof, auto-dim mirrors, electric rear seat functions and extended leather. Ski hatch retrofit. Aftermarket reversing camera. DVB-T and XCarlink now removed as redundant. 2016 Volvo V40 T5 Cross Country (4WD) with ALL the toys including adaptive cruise etc. etc. Osmium Grey with Blonde/Charcoal leather interior. Polestar performance "optimisation".  (Even rarer than a D2 S8!) Oh, and a brand new engine at just under 30,000 miles on the factory one!  Finally: gone, but not forgotten..... 1998 D2 PF S8. Agate Grey/Platinum. Every option (I think) except electric rear seats, Tiptronic steering wheel, ski hatch, towbar & dimming door mirrors. e.g. Cruise control, NavPlus/TV, Bose, GSM, Xenons, Solar roof, Parking sensors, Alcantara/leather everywhere of course. (internal dimming mirror added later)1998 (very early) Ford Focus 1.8 Zetec; ABS/TCS, Heated screen/mirrors, Aircon. Added Auto-dim mirror, Leather seats, Trip computer, Cruise control, OEM Ford SatNav with CD changer. And before that a lot of Rover 800s, a few oddities, a lovely Triumph Dolomite 1850HL with Overdrive and way back in my schooldays an Austin Seven aka Mini 850! 
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