correct me if im wrong

[Bogus]

Having a spare is not an mot requirement. So the spare he was carrying means nothing. If I was carrying bricks it does not mean I'm going to build a wall.

Having a windscreen is not an MOT requirement either, but if I had one and it got broke in an incident I,d expect my insurers to pay for a new one. ( after deducting the excess of course)

I have a feeling that this thread is going to go downhill, but Id just like to say that if I was carrying bricks it probably would be because I was going to build a wall.

[TonyN]

If the odd size spare wasn't on the car it has nothing to do with the claim. Who says it was even for that car, and being taken somewhere or collected for a friend.

If he has non standard wheels and not told them then thats different, and his own fault really.

[budweiser]

Surely thats what the insurance ombudsman is there for ? Did your mate appeal against the decision ?

no as far i know but ill tell him, it might be at the end, a good ending to his experience.
thanks.

[budweiser]

Totally agree with you, I often wonder why they don't sell sets of 5, particularly for cars like ours that don't have space savers etc

i always referenced a set is 5 wheels, for cars i had and my surf (actually got 6, 2 spares)
would they do me for that?

[budweiser]

Wheels don't come in sets. There are singular, individual, on their own. If a retailer puts four together and calls it a set of four that's up to him. But for insurance purposes they will replace them on an individual basis... if some pikey nicks the four on each corner and the spare the insurance will replace all five, if you skid into a curb and bust up two the insurance will replace the two.

As for the four 16" and 15" spare, I'd say his problem was not informing his insurer he had fitted non standard wheel.

he bought the 4x4 like that.

[budweiser]

If I was carrying bricks it does not mean I'm going to build a wall.[/QUOTE]
lapidate the insurer??

[Overland Tonka]

If the odd size spare wasn't on the car it has nothing to do with the claim. Who says it was even for that car, and being taken somewhere or collected for a friend.

If he has non standard wheels and not told them then thats different, and his own fault really.

Put better than my post.....it's what I meant.

[budweiser]

If the odd size spare wasn't on the car it has nothing to do with the claim. Who says it was even for that car, and being taken somewhere or collected for a friend.

If he has non standard wheels and not told them then thats different, and his own fault really.

you are right, and to be honest i dont know if he inform the insurance company, due he bought it like that