When I wanted to change my wheels and tyres over from the OEM 205/55 R16V to (still allowableand specified in the handbook and on the door plate) 195/65 R15H and from summer only tyres (all year) to CrossClimates, I phoned my insurer to as to whether they would allow this and the implications for my policy/premium.
Tthey gave me a quote (luckily as a long-serving customer [rare to get this these days] they waived the £25 admin fee for the change) after they confirmed via their supervisor that it was ok (as I had also checked directly with Mazda and said so).
They said to phone back once I had a confirmed date for the change or on the day of the change, and they would honour the cheapest requote between the previous one a few weeks ago and the one that day. I was pleased to find out when phoning them on the day of the changeover that my quote had reduced by about £15, so I was to get a refund.
The change was treated as a modification, but a manufacturer-certificated one, unlike, say, me having the wheels changed out for 18in ones etc or lowering the suspension using non-standard parts (i.e. modding). I suspect this is where insurers treat people like us making sensible decisions about changing out parts differently and far more favourably to modders who are significantly changing the nature of a car outside the OEM specs.
I suspect also that quite a few of the customer service operatives just don't have the knowledge (even some supervisors) to understand the difference and often default to what their computer screen tells them, which are too standardised and information can only be changed by supervisors who will use their greater experience and discretion in such cases. This was the case with my change.
The insurers don't want to pay their ordinary CS staff the extra to train them for such eventualities because they believe it doesn't happen often enough to warrant the extra cost of training and salaries. My dad (who worked in insurance for 35 years) confirmed this - for any meaningful/out-of-the-ordinary change to any of his insurance policies, he asks to speak to a supervisor or above almost straight away, so as not to waste everyone's time.
Hopefully as more people in the UK switch to all season or put on winter tyres (with smaller steel wheels) on their cars then the insurers will make the required adjustments to staff training, procedures and their computer systems to account for this.
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