Have you paid extra insurance for winter tyres?

mikey72

If you have, you should be contacting your insurers for a refund.

http://www.smmt.co.uk/articles/article.cfm?articleid=22819

vikingaero

If you have, you're probably insured with a !!!!! company like the Admiral Group, who charge extra for "modifications" but hide under their Standard Parts Replacement Clause.

Seriously stop buying cover on price alone.

wealdroam

Already discussed at length here.

:beer:

mikey72

wealdroam wrote: »

Already discussed at length here.

:beer:

Indeed it was. I posted.
However this now has the agreement from the ABI that it's not a modification.
Worth a link to those that have paid.

JQ.

It's good to know for the future.

Nixer

Do you have to even tell the insurer that you are using winter tyres? (And therefore do you have to tell them when you swap back to summer ones)? I can't see why you would but admittedly I haven't read my full policy from cover to cover recently.

(I haven't got winter tyres yet but am considering getting some).

Gloomendoom

vikingaero wrote: »

If you have, you're probably insured with a !!!!! company like the Admiral Group, who charge extra for "modifications" but hide under their Standard Parts Replacement Clause.

Seriously stop buying cover on price alone.

Most companies charge extra for modifications. Admiral charge a lot less than most. Admiral will also cover non standard parts up to the value of £500 for a few extra quid (£12 IIRC.)

In any case, they wouldn't class the winter tyres as a modification unless they were a non standard size.

forgotmyname

Fitting the winter tyres to non standard wheels is what affects the premium, I had a chat to my old insurance guy
the other day.

Changing tyres shouldnt affect the premium, If you change them and had an accident you wont have any issues providing
they meet the requirements for your vehicle.

Load and speed rating must be the same, You cannot fit lower spec H rated winter tyres instead of the correct V rated winter ones.

mikey72

forgotmyname wrote: »

Fitting the winter tyres to non standard wheels is what affects the premium, I had a chat to my old insurance guy
the other day.

Changing tyres shouldnt affect the premium, If you change them and had an accident you wont have any issues providing
they meet the requirements for your vehicle.

Load and speed rating must be the same, You cannot fit lower spec H rated winter tyres instead of the correct V rated winter ones.

You can. Winter tyres only come in H rating or lower.

vaio

Yep, I've had various brands over the years and don't remember any being higher then H

nanker

I have V rated ones on my car