Why would you need to tell your insurance company? 18" wheels are a standard Ateca fitting. You don't have to tell them you have opted for 19" wheels so what's the difference. If you fitted 20" wheels with huge tyres that would be different. I would assume the proposed wheel swap includes the tyres.
Why would you need to tell your insurance company? 18" wheels are a standard Ateca fitting. You don't have to tell them you have opted for 19" wheels so what's the difference. If you fitted 20" wheels with huge tyres that would be different. I would assume the proposed wheel swap includes the tyres.
Some insurers throw a massive hissy-fit on anything that wasn't factory fitted - further still some even throw a wobbly if you don't declare factory fitted options (rare). The problem comes down to the ambiguity of "a modification is something that is not standard specification". What do they mean? Is standard the 'vanilla' spec as printed on the brochure (without options) or is standard whatever's in the brochure (options and all)?
Was doing some research on it for my wife's car where the dealer fitted some parking sensors (manufacturer authorised ones). Rang the insurance and they were fine - their general stance was anything that is manufacturer fit (either at factory or dealer) doesn't need to be declared.
Long story short - each insurer is wildly different; if you change something a quick 5 minute call to them to ask will sort it out. The more reputable insurers will probably be fine with it, especially if it's a listed option in the manufacturer catalogue, but some may try charging extra. Problem is you don't want to find out about that the wrong way.
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