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Old 12-11-2012, 02:17 AM   #1 (permalink)
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Winter Tyres?

Found This, thought it may help....



Winter Tyres - The Motor Insurance Commitment

Last updated: 30/10/2012 11:03

WINTER TYRES – THE MOTOR INSURANCE COMMITMENT
Motor insurers recognise that some motorists may wish to fit winter tyres to their car during cold weather. Motor insurers recognise that, whilst no substitute for common sense driving, winter tyres can have a positive impact on improving road safety. In the past there has been some uncertainty for insured customers about the insurance premium implications of fitting winter tyres to their cars. To assist in reducing this potential uncertainty, the ABI has produced the Commitment set out below which sets out the position of those named motor insurers in respect of the impact on the insurance premiums of their insured customers if a customer wishes to fit winter tyres to their car.
As can be seen, often motor insurers will not charge an additional premium when their insured customers use winter tyres, provided that they meet, and are fitted in accordance with, the vehicle manufacturers’ specifications and are in a roadworthy condition.
However, some motor insurers may require you to contact them to let them know if you do choose to fit winter tyres. The name of your insurer and their contact information can be found on your insurance policy documentation (summary details are provided below). It is important to remember that sometimes your motor insurer may be different from the company that sold you your insurance policy.
This Confirmation will apply from 30th October 2012 to 29th October 2013 at which time it will be reviewed.
Please note that this Commitment only applies to cars used for personal use that are insured under a private or personal use car insurance policy.
The commitment of insurers:
The insurers named below do not require the payment of any additional premium if customers decide to fit winter tyres to their cars, provided that the tyres meet, and are fitted in accordance with, the relevant vehicle manufacturers’ specifications and are in a roadworthy condition whilst in use.

Insurer
Do customers need to inform the insurer when fitting winter tyres to their cars?
Does the fitting of winter tyres affect the amount of cover provided to customers?
Contact details
1st Central Insurance
No
No

ABC Insurance
No
No

Admiral
No
No

Adrian Flux
No
No

Advantage Insurance Company Limited (Gibraltar)
No
No

Age UK
No
No

Ageas Insurance Ltd
No
No

Aioi Nissay Dowa Insurance
No
No

Allianz
No
No

Allianz (Northern Ireland)
No
No

Allianz Your Cover
No
No

Aviva Insurance Ltd
No
No

AXA
Yes
No
As per policy documentation (varies by distribution channel)
Bell
No
No

Chaucer Direct
No
No

Chaucer Insurance
No
No

Churchill
Yes, via telephone
None outside of general market exceptions relating to keeping the vehicle roadworthy etc.
0845 603 3551
Citroen
Yes, via telephone
None outside of general market exceptions relating to keeping the vehicle roadworthy etc.
0870 0242 730/ 0870 125 6616
Co-operative Insurance Car Insurance
No
No, provided the winter tyres/wheels fitted are of no greater size value than the tyres/wheels being replaced

Co-operative Insurance Eco Insurance
No
No, provided the winter tyres/wheels fitted are of no greater size value than the tyres/wheels being replaced

Co-operative Insurance Young Driver Insurance
No
No, provided the winter tyres/wheels fitted are of no greater size value than the tyres/wheels being replaced

Cornish Mutual
No
No

Diamond
No
No

Direct Line
Yes, via telephone
None outside of general market exceptions relating to keeping the vehicle roadworthy etc.
0845 246 8706/ 0845 246 8811
eCar
Yes, by phone or email
No
enquiries@ecarinsurance.co.uk
Echoice
No
No

Egg
Yes, via telephone
None outside of general market exceptions relating to keeping the vehicle roadworthy etc.
0870 024 0095/ 0870 024 0097
Elephant
No
No

Equity Red Star
No
No

Esure Car Insurance
No - unless the customer has or is fitting alloy wheels
No
Phone: 0845 603 7874
First Alternative Car Insurance
No - unless the customer has or is fitting alloy wheels
No
Phone: 0845 607 0417
General Motors (Vauxhall & Chevrolet)
No
No

GoodGirl
No
No change to cover provided

Groupama Insurances
No - unless the dimensions of the tyres fitted are contrary to manufacturer specifications i.e. wider
No

Highway Insurance
No
No

Hiscox Insurance Company
No
No

Insure2Drive
No
No change to cover provided

Lexus Motor Insurance
No
No

LV =
No
No

Markerstudy
No
No

Mint/MBNA
Yes, via telephone
None outside of general market exceptions relating to keeping the vehicle roadworthy etc.
0870 024 0138
MORE TH>N
No
No

Natwest
Yes, via telephone
None outside of general market exceptions relating to keeping the vehicle roadworthy etc.
0800 051 0289/ 0800 051 5405
NFU Mutual
No
No

Octagon Insurance Company Limited
Yes, by phone
No
Customer services, 0844 561 4615
Peugeot
Yes, via telephone
None outside of general market exceptions relating to keeping the vehicle roadworthy etc.
0870 0240 807/ 0870 024 1107
Premier Insurance
No
No

Provident
Yes
No

Privilege
Yes, via telephone
None outside of general market exceptions relating to keeping the vehicle roadworthy etc.
0800 061 6990/ 0800 051 6990
Prudential
Yes, via telephone
None outside of general market exceptions relating to keeping the vehicle roadworthy etc.
0800 300 300/ 0845 605 9260
QBE
No
No

RBS
Yes, via telephone
None outside of general market exceptions relating to keeping the vehicle roadworthy etc.
0800 158 2493/ 0845 246 0453
Royal London
Yes, via telephone
None outside of general market exceptions relating to keeping the vehicle roadworthy etc.
0800 032 9455
RSA
No
No

Sabre Insurance Co Ltd
No
No change to cover provided

Sainsburys Car Insurance
No - unless the customer has or is fitting alloy wheels
No
Phone: 0845 608 6034
Service Underwriting
No
No

Shearwater Insurance
No
No

Sheilas' Wheels Car Insurance
No - unless the customer has or is fitting alloy wheels
No
Phone: 0845 604 3550
Swiftcover
Yes
No
As per policy documentation (varies by distribution channel)
Tesco Underwriting Limited
No – Providing that the winter tyres/wheels are no larger than the original tyres/wheels
No – Providing that the winter tyres/wheels are no larger than the original tyres/wheels.
If customers wish to contact Tesco Car Insurance they can call Customer Service on 0845 673 0000
Toyota Motor Insurance
No
No

UKI
Yes, via telephone
None outside of general market exceptions relating to keeping the vehicle roadworthy etc.
Contact details can be found via the intermediary
USAA Limited
No
No

Zenith
No
No

Zurich Car Solutions
No
No







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Old 12-11-2012, 05:04 PM   #2 (permalink)
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Interesting, informing my insurance is something I never even thought about, I have just fitted Toyo Snow Proxes to mine. But can't even remember who I am with now lol
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Old 12-11-2012, 05:08 PM   #3 (permalink)
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Interesting read, something to bare in mind
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Old 12-12-2012, 03:32 AM   #4 (permalink)
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Nice one, thanks KB
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Old 12-13-2012, 03:32 AM   #5 (permalink)
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I've just been on to mytyres and was presented with a huge array of possible choices.

Bearing in mind I live and drive nearly all my miles in and around Milton Keynes - not the Cairngorms, can anyone recommend a cost effective (cheap) 225/60 R18 winter tyre?

thanks
Ian
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Old 12-14-2012, 02:47 AM   #6 (permalink)
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I fitted a set Vredestein Wintrac 4 Xtremes to Mrs A's Sportage and I'm very impressed. We've only had a couple of days with snow but it's their grip on icy roads that has convinced me that they are worthwhile. Last week we were following a van that attempted to turn left, the driver signalled and turned the wheels but the van just went straight on past the junction before sliding onto the verge. Mrs A braked to a stop behind it without any drama at all. The ABS didn't even operate.

Slightly off topic, but I fitted them to standard 18s that got I off eBay and had powder coated black. I think they actually look better than the originals...


Last edited by Armchair; 12-14-2012 at 11:18 AM.
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Old 12-14-2012, 09:26 AM   #7 (permalink)
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Looking Good!!

There are some "Sunny" winter for sale on mytyres for £70ish per corner with yours at £150ish.
Are they worth twice the price?

BTW who's Mrs G? LOL
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Old 12-14-2012, 11:07 AM   #8 (permalink)
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Quote:
Originally Posted by BigIan View Post
Looking Good!!

There are some "Sunny" winter for sale on mytyres for £70ish per corner with yours at £150ish.
Are they worth twice the price?
Arrrrh, but were the Sunny ones designed by Giorgetto Giugiaro? I've never used the Sunny ones so I can't really comment. Based on the name alone they sound pretty crap though. I actually got the Wintracs off eBay with 7mm of tread on them. The whole shebang, wheels, powder coating and tyres cost around £150 a corner.

Quote:
BTW who's Mrs G? LOL
Phew! Thanks for pointing that out. I managed to edit it before Mrs A saw it.


Edit: From the reviews, not just the name, it looks like I was right about the Sunny tyres...

http://www.tyrereviews.co.uk/Tyre/Sunny/SN3830.htm

I wouldn't touch them with a 10' barge pole.

Last edited by Armchair; 12-14-2012 at 11:14 AM.
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Old 12-14-2012, 02:47 PM   #9 (permalink)
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Quote:
Originally Posted by BigIan View Post
I've just been on to mytyres and was presented with a huge array of possible choices.

Bearing in mind I live and drive nearly all my miles in and around Milton Keynes - not the Cairngorms, can anyone recommend a cost effective (cheap) 225/60 R18 winter tyre?

thanks
Ian
try upping tyres size to 255x55x18 more choice and better prices ive just fitted 255x55x18 hankook ventus which are m/s(mud and snow)and am impressed with there performance dry wet and snow

Roy
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Old 12-14-2012, 04:13 PM   #10 (permalink)
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Quote:
Originally Posted by Armchair View Post
I fitted a set Vredestein Wintrac 4 Xtremes to Mrs A's Sportage and I'm very impressed. We've only had a couple of days with snow but it's their grip on icy roads that has convinced me that they are worthwhile. Last week we were following a van that attempted to turn left, the driver signalled and turned the wheels but the van just went straight on past the junction before sliding onto the verge. Mrs A braked to a stop behind it without any drama at all. The ABS didn't even operate.

Slightly off topic, but I fitted them to standard 18s that got I off eBay and had powder coated black. I think they actually look better than the originals...


A cute looking car, very nice
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