Did your insurance charge for winter tyres?

[RRS_Staffs]

Hi

I propose a simple thread
After having my policy loaded by direct line by just under 20% for fitting winter tyres I would like to find another provider who wont penalise me for making my car safer in the winter months.

So if you have told your insurer, which I know many dont, please post a simple few lines here saying who it was and what it cost
It would also be helpful to say what rims you fitted them to

So here you go for starters:

DIRECT LINE
WInter tyres to factory alloys one size down fitted to next model in range
19% policy loading plus admin fee of £15.75 when I take them off in March/April

Cheers!!

[Olivera]

You do not need to notify your insurer for just a change of tyres.

[GKP]

I didn't tell my insurer when I changed the oil, why would I need to do it for another consumable?

[noodleman]

RRS_Staffs said:

Hi

I propose a simple thread
After having my policy loaded by direct line by just under 20% for fitting winter tyres I would like to find another provider who wont penalise me for making my car safer in the winter months.

So if you have told your insurer, which I know many dont, please post a simple few lines here saying who it was and what it cost
It would also be helpful to say what rims you fitted them to

So here you go for starters:

DIRECT LINE
WInter tyres to factory alloys one size down fitted to next model in range
19% policy loading plus admin fee of £15.75 when I take them off in March/April

Cheers!!

So, the loading is for changing the wheels rather than the tyres, no?

[HereBeMonsters]

Why the fk did you tell them you changed the tyres? I changed my brake pads a couple of weeks ago. Am I now committing insurance fraud?

[RicksAlfas]

HereBeMonsters said:

Am I now committing insurance fraud?

Given how car insurance works, yes you probably are!

[Jonny671]

HereBeMonsters said:

Why the fk did you tell them you changed the tyres? I changed my brake pads a couple of weeks ago. Am I now committing insurance fraud?

Or your headlamp bulbs, make sure you ONLY fit OEM bulbs as you know.. That could invalidate it you know

[RRS_Staffs]

So much for that one

There have been a number of comments from other people putting on winter tyres and being charged

No matter what the above posts suggest the industry obviously looks on it as an excuse to grab more cash and will consequently try to wriggle out of any liability if there is an accident

I downgraded my alloys however Direct Line still see this as a mod and charged me even though it was a reverse Max Power (RIP) mod at that

And Id still like to know who charges and who doesnt plus which companies are happy for you to fit different alloy or steel rims and which see it as a profit opportunity as well

Thanks

[Leicesterdave]

I did let know- no charge.

[jwo]

As i've said on other posts Directline did not charge me. Moved from Audi 17 inch alloys with summer tyres to Audi (genuine audi wheels) 16 inch alloys with winter tyres - all tyre/wheel sizes in accordance with Audi recommendations. They tried to charge but then saw sense.

[Herman Toothrot]

You seem to forget that if you phone an insurance company you will end up talking to a moron who is completely clueless. They won't understand what you are doing so will simply hear you say 'non standard' so to them that means £50 extra plus admin fee.

Normal people won't declare a change in tyres and the insurance company won't care. However you call them to 'make a change', of course you will incur a fee.

[frosted]

Herman Toothrot said:

You seem to forget that if you phone an insurance company you will end up talking to a moron who is completely clueless. They won't understand what you are doing so will simply hear you say 'non standard' so to them that means £50 extra plus admin fee.

Normal people won't declare a change in tyres and the insurance company won't care. However you call them to 'make a change', of course you will incur a fee.

100% this , you should know better.

[LuS1fer]

There's a lot of flinging about insurance companies trying to get out of stuff but my experience is the opposite, they're more concerned with blaming you and settling as fast as possible. having just had a low cost fault claim with admitted liability, they couldn't have been less interested in whether the car was stock of fitted with 28" alloys....

[Hitch78]

RRS_Staffs said:

DIRECT LINE
WInter tyres to factory alloys one size down fitted to next model in range
19% policy loading plus admin fee of £15.75 when I take them off in March/April

Cheers!!

I'm sorry but if you accept that you are an absolute moron. Call back and ask to have the cost explained by an underwriter - not by some 15 year old scrote who's more interested in wking in his pocket over pretty little Becky in the next hutch along to him than he is in listening to you. If they will not justify the cost or remove it then ask to speak to the manager. If you still have no luck then cancel the insurance and go elsewhere.

Have some balls man!