Tinted windows and insurance company

johnnymc2000

I got my rear 3 windows tinted with full limo tint not sure of the vlt but I contacted my insurance company (axa) to inquire about alloys and a subwoofer and I mentioned the tint and they said it has to be 65 percent vlt or higher and I told them that was just for the front windows not the rear and they said for their policy it is 65 percent. Does anyone have experience with this kind of bs.

antix80

johnnymc2000 wrote: »

I got my rear 3 windows tinted with full limo tint not sure of the vlt but I contacted my insurance company (axa) to inquire about alloys and a subwoofer and I mentioned the tint and they said it has to be 65 percent vlt or higher and I told them that was just for the front windows not the rear and they said for their policy it is 65 percent. Does anyone have experience with this kind of bs.

edit: Misread your op.
Ask them for it in writing, probably just someone on their helpdesk who doesn't know any better.

K.Flyer

johnnymc2000 wrote: »

I got my rear 3 windows tinted with full limo tint not sure of the vlt but I contacted my insurance company (axa) to inquire about alloys and a subwoofer and I mentioned the tint and they said it has to be 65 percent vlt or higher and I told them that was just for the front windows not the rear and they said for their policy it is 65 percent. Does anyone have experience with this kind of bs.

Like all insurance companies, they call the shots in what They are happy with irrespective of the law.
For example, there is no law against driving a road worthy car over 15 years old, but some insurers won't provide cover.
Maybe phone again or check the policy book or their website for clarification in case who you were speaking with wasn't quite correct.

kirving

Best to go by their rules to the letter. Do you really want to be arguing the small print with them after a crash when they have a recorded phone call of you asking about it, but no declaration that the car is tinted?

HailSatan

Tinted windows. That's a paddlin
Leaving valuables on show. That's a paddlin
Making your windows more resistant to breakage. That's a paddlin
Tinted windows. That's a paddlin

Spook_ie

If you think logically about it the darker the tint the closer you are to driving a van, and we all know van drivers don't see anything to the sides.

kirving

HailSatan wrote: »

Tinted windows. That's a paddlin
Leaving valuables on show. That's a paddlin
Making your windows more resistant to breakage. That's a paddlin
Tinted windows. That's a paddlin

Insurance companies don't care about valuables on show. They care about you not being able to see your surroundings properly.

HailSatan

Kevin Irving wrote: »

Insurance companies don't care about valuables on show. They care about you not being able to see your surroundings properly.

Whats their problem with non standard audio

Henry Ford III

johnnymc2000 wrote: »

I got my rear 3 windows tinted with full limo tint not sure of the vlt but I contacted my insurance company (axa) to inquire about alloys and a subwoofer and I mentioned the tint and they said it has to be 65 percent vlt or higher and I told them that was just for the front windows not the rear and they said for their policy it is 65 percent. Does anyone have experience with this kind of bs.

If they told you 65% vlt or higher then they have experience.

Henry Ford III

HailSatan wrote: »

Whats their problem with non standard audio

Same as fancier alloys etc. - increased chance of theft.

HailSatan

Henry Ford III wrote: »

Same as fancier alloys etc. - increased chance of theft.

Insurance companies don't care about valuables on show. They care about you not being able to see your surroundings properly

kirving

They have teams of actuaries who I'm sure will tell them that the type of person to put in an aftermarket radio, is more likely to crash.

HailSatan

Henry Ford III wrote: »

Same as fancier alloys etc. - increased chance of theft.

They have teams of actuaries who I'm sure will tell them that the type of person to put in an aftermarket radio, is more likely to crash.

HailSatan

Kevin Irving wrote: »

They have teams of actuaries who I'm sure will tell them that the type of person to put in an aftermarket radio, is more likely to crash.

People whose factory radio broke or it didn't have bluetooth or mp3 are more likely to crash?


Couldn't we make the world a safer place by improving the quality of standard head units? Insurance companies really are killing people by not feeding this info back to authorities and manufacturers.

antodeco

Kevin Irving wrote: »

They have teams of actuaries who I'm sure will tell them that the type of person to put in an aftermarket radio, is more likely to crash.

HailSatan wrote: »

They have teams of actuaries who I'm sure will tell them that the type of person to put in an aftermarket radio, is more likely to crash.

Two accounts? :pac:

MetzgerMeister

antodeco wrote: »

Two accounts? :pac:

HS quoted Kevin Irving....

bladespin

HailSatan wrote: »

People whose factory radio broke or it didn't have bluetooth or mp3 are more likely to crash?


Couldn't we make the world a safer place by improving the quality of standard head units? Insurance companies really are killing people by not feeding this info back to authorities and manufacturers.

Statistics don't lie

antodeco

MetzgerMeister wrote: »

HS quoted Kevin Irving....

His ninja edit fixed it :D

kirving

I can't even make sense of what's going on and I wrote it

But the point stands. Nowadays a new radio could be an Android head unit with Youtube built in. Years ago even, the main dealer replaced a Tape radio in mothers car with the cheapest Sony CD player they could get their hands on.

The buttons were so tiny and all looked the same that it was definitely more of a hazard than the original.

HailSatan

bladespin wrote: »

Statistics don't lie

They seem to lie by omission quite a lot

MetzgerMeister

Ah God bless the likes of the Sony XPlod head units that you took the face off and put it in a box to stop people breaking into the car and robbing it

I had on of these at one stage along with a small remote that strapped onto the steering wheel:



Back then there was no such thing as telling your insurance company about such "upgrades".

bladespin

HailSatan wrote: »

They seem to lie by omission quite a lot

Very low percentage though, could easily be dismissed as outliers and written off.

HailSatan

bladespin wrote: »

Very low percentage though, could easily be dismissed as outliers and written off.

What stats have you seen?

Henry Ford III

I can almost smell the "genuine car enthusiasts" here.

HailSatan

Henry Ford III wrote: »

I can almost smell the "genuine car enthusiasts" here.

Me

Ow

Del2005

bladespin wrote: »

Statistics don't lie

But you can frame the question or remove "outliers" to get any answer you want

Don't forget the saying. "There's 3 types of lies. Lies, damn lies and statistics"

colm_mcm

I thought you couldn’t tint the front side windows either way these days?

DaveyDave

colm_mcm wrote: »

I thought you couldn’t tint the front side windows either way these days?

I presumed absolutely no tint on front windows too.

HailSatan

MetzgerMeister wrote: »

HS quoted Kevin Irving....

I wasn't sure the two boys could see each other. They are both lashing out as gospel stuff that contradicts the other, but they don't care as long as the person asking awkward questions about insurance is put back in his box. Not to mention the fella with the invisible intangible statistics that simultaneously prove both of their assertions because insurance companies wouldn't just make something up.

Eggs For Dinner

I know nothing about tinted windows, but there will be a standard wording in most policies that your vehicle must comply with all regulations of the State. If the tinted windows are legal, the insurer must put in a specific exclusion relating to them. If they are non-compliant, the main wording will get you

pippip

https://www.tinting-laws.com/ireland/

HailSatan

pippip wrote: »

https://www.tinting-laws.com/ireland/

Actually a good site. Was expecting clickbait written by an arts student for 10c per thousand words and no up to date info.

pippip

HailSatan wrote: »

Actually a good site. Was expecting clickbait written by an arts student for 10c per thousand words and no up to date info.

So was I

macchoille

I have a Ford S-max with factory tinted rear windows (very dark). I’m insured with RSA ( got a great quote).

When my wife’s Rav 4 came up for renewal RSA would not even quote her as she’s an aftermarket tint on her rear windows.

The mad thing is the factory tint on the s-max is a lot darker than the RAV4 but no problem there as it’s factory fitted.

The main reason we have tinted windows on the cars is for the kids in the back (but yes we do also think it looks a bit better).

HailSatan

The secret insurance stats and their infallible interpretations don't lie man. You're a hooligan with no kids. You're living a lie.

kirving

HailSatan wrote: »

I wasn't sure the two boys could see each other. They are both lashing out as gospel stuff that contradicts the other, but they don't care as long as the person asking awkward questions about insurance is put back in his box.

Or maybe...just maybe, there could be more than one reason why insurance companies don't like aftermarket mods in general, not necessarily just tinting.

Anyway, ask all the questions you like - I pay enough for my insurance too and want it to come down. But in this case, I see tinting as a reasonable factor for them to use.

HailSatan

Kevin Irving wrote: »

Or maybe...just maybe, there could be more than one reason why insurance companies don't like aftermarket mods in general, not necessarily just tinting.

Anyway, ask all the questions you like - I pay enough for my insurance too and want it to come down. But in this case, I see tinting as a reasonable factor for them to use.

But the stats don't lie and those that interpret them are infallible. But they don't agree with each other? Weird.

macchoille

I wonder could it or has it got to the point where putting on a set of good top drawer winter tyres could invalidate your insurance as they are not factory spec (Brand/Model), not talking about changing rim sizes etc.

I could understand a cheap set of Chinese ditch finders being a risk/liability though.

TheBoyConor

HailSatan wrote: »

Whats their problem with non standard audio

They don't have a problem with the audio as such, it is more that the type of driver who has non-standard audio gear is more likely to be a boy racer type and likely to speed more and do more risky driving than some basic paddy spec driver who isn't even too sure what model their car is.

HailSatan

TheBoyConor wrote: »

They don't have a problem with the audio as such, it is more that the type of driver who has non-standard audio gear is more likely to be a boy racer type and likely to speed more and do more risky driving than some basic paddy spec driver who isn't even too sure what model their car is.

People whose factory radio broke or it didn't have bluetooth or mp3 are more likely to crash?


Couldn't we make the world a safer place by improving the quality of standard head units so that they never broke and had up to minute features leaving the factory? Insurance companies really are killing people by not feeding this info back to authorities and manufacturers.

HailSatan

macchoille wrote: »

I wonder could it or has it got to the point where putting on a set of good top drawer winter tyres could invalidate your insurance as they are not factory spec (Brand/Model), not talking about changing rim sizes etc.

I could understand a cheap set of Chinese ditch finders being a risk/liability though.

They don't have a problem with the tyres as such, it is more that the type of driver who has non-standard tyres is more likely to be a boy racer type and likely to speed more and do more risky driving than some basic paddy spec driver who isn't even too sure what model their car is.

Donald Trump

Kevin Irving wrote: »

Insurance companies don't care about valuables on show. They care about you not being able to see your surroundings properly.

They can however refuse to cover you if you leave your laptop lying on the seat and the window gets smashed and it is taken. You'd get covered though if it was in the boot or even the glove box

TheBoyConor

Insurers might even consider expensive premium tyres a higher risk than chinese ditch seekers because they type of driver to spend big money on a consumable like tyres is probably more likely to drive faster and be more risky than a mammy who goes into a tyre place and says "give me 3 of cheapest tyres money can buy!" (3 because the 4th still has half a mm of thread left.")

HailSatan

TheBoyConor wrote: »

Insurers might even consider expensive premium tyres a higher risk than chinese ditch seekers because they type of driver to spend big money on a consumable like tyres is probably more likely to drive faster and be more risky than a mammy who goes into a tyre place and says "give me 3 of cheapest tyres money can buy!" (3 because the 4th still has half a mm of thread left.")

They don't have a problem with the tyres as such, it is more that the type of driver who has non-standard tyres is more likely to be a boy racer type and likely to speed more and do more risky driving than some basic paddy spec driver who isn't even too sure what model their car is.

So by the logic of some posters, the fact I have a phone holder attached to my windscreen could invalidate my insurance because if I added something to my car, I must be a high risk driver.

HailSatan

Deleted User wrote: »

So by the logic of some posters, the fact I have a phone holder attached to my windscreen could invalidate my insurance because if I added something to my car, I must be a high risk driver.

They don't have a problem with the phone holder as such, it is more that the type of driver who has a phone holder is more likely to be a boy racer type and likely to speed more and do more risky driving than some basic paddy spec driver who isn't even too sure where their phone is.

Henry Ford III

Not a great thread

DaveyDave

Bit tinfoil hat there lads. Big Insurance are going to get me for having Pilot Sport 4's on my 110hp Golf...

HailSatan

DaveyDave wrote: »

Bit tinfoil hat there lads. Big Insurance are going to get me for having Pilot Sport 4's on my 110hp Golf...

It's not so much the boy racers as the parents with kids

TheBoyConor

HailSatan wrote: »

It's not so much the boy racers as the parents with kids

What do you mean?

kirving

Well this is painful to say the least.

Our theories obviously don't stand up to your knowledge of actuarial science.