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BMW 3-Series (E90 E92) Forum
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16", 17" or 18" for winter wheels on the E90
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07-05-2012, 03:38 AM | #23 | |
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Insurance Company Considerations
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Couple of points further to my post. I wanted RFTs, in order for the car to remain compliant with the standard BMW spec. for insurance reasons I actually bought some OEM staggered MV3s 18s (as my car was an M-Sport) but found I simply could not source Winter RFT tyres anywhere. 17s in non-staggered SE sizing were easy. Insurance wanted £170.00 pa more for a swap to non-OEM wheels...nothing extra for SE standard wheels with RFT winter tyres. Not happy at all with downgraded non-RFTs. They absolutely wanted BMW specified tyres, so check! BTW, if you want to know everything and I mean everything about tyres sizes, here's a useful website http://www.carbibles.com/tyre_bible_pg4.html[/URL] |
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07-05-2012, 04:06 AM | #24 |
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From what I can see, mytyres have quite a few options in the 18" staggered winter tyre sizes at the moment. I just can't decide what to buy...
I think my experience of a slight lack of traction on 225 on my last car was partly the tyres: not exactly premium-branded winters (Kumho KW27s) and partly of 225 vs 255. Because as said above, 225 should be adequate over winter. |
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07-05-2012, 07:50 AM | #25 |
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It's the 255/35/18 winter that is hard to get.
Even if you find a pair now, what if you get a bad puncture and need a new one in January, no chance - all sold out. 225/40/18 (front staggered standard) is eady to get as that size is a common sport hatch size. My VRED wintrac extreme were £149 in that size and available at loads of places. The MV3 reps (8J all round) were £300, so £900 for a full set that will sell on with the car (still hardly worn after 3 winters) Others on here have put non-staggered tyres on staggered wheels for winters, you could run 225/40/18 on front and rear staggered rims as the rear rim in only 13mm wider. Also, the premium increase for 'modified wheels' which would allow ANY combination of winter/summer/tyres/alloys/spacers is minimal and easily recovered / justified in the savings buying rep wheels and common tyre sizes. Last edited by doughboy; 07-05-2012 at 08:11 AM.. |
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07-05-2012, 08:56 AM | #26 | |
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Remember also that narrower tyres are better in standing water (which we do get plenty of in our lovely country) and also that winter tyres shift deep water worse than summers - really wide rear winter tyres might get a bit interesting in standing water at speed... |
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07-05-2012, 11:11 AM | #27 | |
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And whats this 'downgraded NON RFTs'?? No one can force you to have RFTs any more than they can force you to have Pirelli tyres or castrol oil. But thats a different story. |
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07-06-2012, 03:13 AM | #28 | |
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Yep. Direct Line wanted an extra £170.00 pa for a wheel swap to non-standard items And of course they can't force you to run RFTs. They can however charge you more or revoke your cover and in the event you don't inform them, refuse to settle a claim in a tyre related incident. Many insurance companies stipulate OEM spec tyres. If non-RFTs are not OEM spec they are considered a downgrade (i.e a tyre capable of running deflated vs. one which is not) Don't forget that with insurance companies you're not dealing with human beings with the freedom to reason using logic. You're dealing with computers that are programmed to respond in certain ways depending on the input. For example Change of wheels = premium adjustment and policy revision Non standard tyres = decline to insure Also bear in mind that if you deviate from your policy and fail to notify your insurer, they have the contractual right to suspend your policy. In the eyes of the law, you become an uninsured driver, responsible for your own and any 3rd party claims. In the end, it all comes down to how BMW have spec'd the tyres for a particular model. If BMW list non-RFTs, no problem. If not, you'd better check your policy |
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07-06-2012, 04:55 AM | #29 |
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£170 is crazy, but again that sums up a lot of insurance companies. Luckily the company I use are OK with winter wheel use as long as they're OEM wheels that are fitted to some models of the same car, i.e. if 17" are fitted to other models (SE) then they're fine with me fitting them to my 330i M Sport. They're also OK with non-RFTs as long as they're UK legal and the correct load/weight rating.
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07-06-2012, 08:47 AM | #30 | |
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07-06-2012, 02:49 PM | #31 |
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If BMW specify both RFT and non-RFT tyres for your model car then you can run either and still remain within spec. Also bear in mind that not all insurance companies are the same. Some may not care about RFT vs. non_RFT although in my experience most do insist on staying within OEM specs.
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