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Do winter tyres and wheels count as mods??

Peter_Bull

Peter_Bull

PCGB Admin
Member

Just had a thought if these could be counted as a modification.

Would or could an insurance company wriggle out of any claim if these were fitted to my 997. There are not standard fit when the car is supplied new or in my case bought second hand, but are a recognised after sales supply item.

I bought them from an OPC in November and have only just refitted the summer ones. So far it's been a waste of money as we haven't had any snow this winter "" so far!
 

ORIGINAL: Peter Bull
So far it's been a waste of money as we haven't had any snow this winter "" so far!
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No disrespect meant here, but I think that's why most people don't buy them. Our winters are rarely hard enough anymore to warrant it, imo. The few days there was snow, I didn't take the car out of the garage anyway.
 
There's been lots in the press about this. After insurers initially took a variety of attitudes varying from sensible (no charge) to ridiculous (nice little earner), I understand that the ABI has advised insurers that winter tyres should not constitute a chargeable modification, but that people should notify their insurers if they fit winter tyres. Not sure what happens if they fit them on non-standard wheels though.....as ever, suggest you contact your insurer and ask.
 
my insurer sensibly did not charge etxra.agree that it hasnt been that bad a winter-but bearing in mind the previous 2 winters when the porsche was almost unfriveable for 2 months i still think its worth it if you keep a car say for 3 years.

and even though we havent had much snow there have been several strecthes of weeks with temp below 6deg and a few at or below freezing and I know my car handles and stops much better on the winter tyres-they are definately NOT just for snow
 
I know my car handles and stops much better on the winter tyres-they are definately NOT just for snow
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Absolutely. We're changing back next week on the Legacy, but it was massively better during the cold weather on it's (budget) winter tyres.

It also understeered much less than before on wet roads, but that might be down to the fact that we need two new fronts on the summer tyres. How do I persuade my better half that the wear blocks aren't a challenge, to be worn down to before changing the tyres? [&o]
 
Just tell them anyway, either they won't care and won't charge or they will but at least you'll know and are fully covered [:)]
 
Definitely do NOT agree with NOT telling them.

Why take this risk when the ABI has commented as follows:

QUOTE: The ABI has issued reassurance to motorists that fitting winter tyres should not result in an extra charge on their motor insurance.

Under an ABI commitment ABI member insurers representing 90% of the motor insurance market confirm that they will not charge any additional premium if winter tyres are fitted, provided that the tyres meet, and are fitted in accordance with, the vehicle manufacturers' specifications and are in a roadworthy condition. UNQUOTE

If they try to charge you., tell them to shove it as they're in breach of code (and if they're not ABI, go elsewhere).

One point: if you are using DIFFERENT wheels to stock, that counts as a modification and you need to assure them that the ones you are using are a factory-approved fitment.

 
There is a huge lack of awareness in the UK about winter tyres. Either motorists are not aware they exist or they think that the tyre can only be used during times of heavy snow or ice.
In fact, drivers will benefit from using winter tyres on slush, ice, frost and even wet roads. In fact any time the temperature dips below +7 degrees centigrade, you're better off on winter tyres. 

Got this from Continental website. Problem with summer tyres is the compound of the tyres means when the temp gets below +7 degrees it hardens and becomes less effective. Winter tyres don't do this and reduce braking by about 8 metres at about 30 mph
 
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