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      05-09-2020, 12:00 AM   #1
LastDeuS
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255/40/20 Tires on 648M wheels?

I'm about to purchase new tires and going for Michelin Sport 4S, but debating if I should try 255 front and 295 rear instead of the 240/275 that comes stock, has anyone pulled this off and was it worth it? did you see any increase in comfort?
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      05-09-2020, 12:19 AM   #2
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I don't think you will get much difference in comfort but could get a more aggressive and flushed look going with the wider tire.

I'm also interested to know if anyone used those measurements on the 20" wheels.

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Originally Posted by LastDeuS View Post
I'm about to purchase new tires and going for Michelin Sport 4S, but debating if I should try 255 front and 295 rear instead of the 240/275 that comes stock, has anyone pulled this off and was it worth it? did you see any increase in comfort?
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      05-09-2020, 01:53 AM   #3
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Would that not impact your insurance? In the UK, if you change tyre size from manufacturer recommended, it invalidates the insurance, and an excuse to not pay out.

We have to notify any performance changes too, so do a bit of tuning, get some more HP and they either charge you more or refuse to insure.

I remember taking an Audi A8 3.0tdi from around 230 HP to about 280 HP with an ECU tune almost 10 years ago and it cost me a 25% hike in my annual premium.
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      05-10-2020, 03:19 PM   #4
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Quote:
Originally Posted by Markr View Post
Would that not impact your insurance? In the UK, if you change tyre size from manufacturer recommended, it invalidates the insurance, and an excuse to not pay out.

We have to notify any performance changes too, so do a bit of tuning, get some more HP and they either charge you more or refuse to insure.

I remember taking an Audi A8 3.0tdi from around 230 HP to about 280 HP with an ECU tune almost 10 years ago and it cost me a 25% hike in my annual premium.
They are actually going to check tire sizes?
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      05-10-2020, 03:22 PM   #5
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If you have an accident, they look for any excuse not to pay out. They class this as a modification.
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      05-15-2020, 08:59 PM   #6
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Quote:
Originally Posted by LastDeuS View Post
I'm about to purchase new tires and going for Michelin Sport 4S, but debating if I should try 255 front and 295 rear instead of the 240/275 that comes stock, has anyone pulled this off and was it worth it? did you see any increase in comfort?
I've had this exact same question?!
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      05-29-2020, 01:22 AM   #7
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Originally Posted by Markr View Post
If you have an accident, they look for any excuse not to pay out. They class this as a modification.
You might want to change your insurer!

Can you tell me who you're insured with? I have used various insurers and none have ever classed a tyre as a modification. So just wondering who to avoid in the future.
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      05-29-2020, 02:58 AM   #8
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I tend to change insurer almost every year, so can’t remember which one at the time. My last encounter with modifications was c. 2011 with a 2009 A8 when I had to pay for the increased HP following an ECU remap, as it was more than 10%. I asked about other things too, and whilst they said I could change wheels and tyres no issue, as soon as you go for a non-standard tyre size, they classed it as a modification to manufacturer spec and it was notifiable. When I asked about the implications of not notifying, they told me that in the event of a relevant claim, they check for any modifications.
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      05-29-2020, 12:47 PM   #9
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Never heard of this one before!

Quote:
Originally Posted by Markr View Post
Would that not impact your insurance? In the UK, if you change tyre size from manufacturer recommended, it invalidates the insurance, and an excuse to not pay out.

We have to notify any performance changes too, so do a bit of tuning, get some more HP and they either charge you more or refuse to insure.

I remember taking an Audi A8 3.0tdi from around 230 HP to about 280 HP with an ECU tune almost 10 years ago and it cost me a 25% hike in my annual premium.
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      05-30-2020, 12:25 AM   #10
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Quote:
Originally Posted by Markr View Post
I tend to change insurer almost every year, so canít remember which one at the time. My last encounter with modifications was c. 2011 with a 2009 A8 when I had to pay for the increased HP following an ECU remap, as it was more than 10%. I asked about other things too, and whilst they said I could change wheels and tyres no issue, as soon as you go for a non-standard tyre size, they classed it as a modification to manufacturer spec and it was notifiable. When I asked about the implications of not notifying, they told me that in the event of a relevant claim, they check for any modifications.
Thanks. My 740Ld is the first car I have not modified in the last 15yrs, yet. So I'm well versed in the modified insurance although I generally stuck to Adrian Flux or Chris Knott insurances as, especially when I had my Skoda vRS's, power levels were in excess of 50% increase. One was at circa 90% (standard 207bhp and modified was 387bhp). I also upgraded brakes, wheels, tyres etc and every time I mentioned tyres they said that didn't matter as long as they were road legal. I guess it must depend on the insurer. I had heard of some trying to get out of paying if winter tyres weren't fitted. But that got kicked into touch quite rapid due to them to being a legal requirement in UK.

I think the only thing I will do with the 740Ld is fit the AC Schnitzer upgrade. At least then I have a warranty with them. But they're damn expensive compared to a remap.

To the OP if you do fit the tyres post up a pic of the wheels. I am interested to see what they would look like.
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      05-30-2020, 11:31 AM   #11
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Quote:
Originally Posted by RaptorStrike View Post
You might want to change your insurer!

Can you tell me who you're insured with? I have used various insurers and none have ever classed a tyre as a modification. So just wondering who to avoid in the future.

Any UK car insurer will employ a sub contractor (usually a solicitor) who will scrutinise your claim and yes tyres will be checked. Never had an accident , 22 years of NCB and after 6 years with Direct Line I went with Aviva- a different world.
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