Before you go fitting winter tyres....
Discussion
Probably a mix of
1. It's seen as a modification
2. If a <21 year old wants to insure a modification, they get arse raped
3. It's a modification that improves performance in the snow, wording this wrong to the insurer will land you in a hot fuss.
4. Insurance companies like to try and bend people over for anything
1. It's seen as a modification
2. If a <21 year old wants to insure a modification, they get arse raped
3. It's a modification that improves performance in the snow, wording this wrong to the insurer will land you in a hot fuss.
4. Insurance companies like to try and bend people over for anything
Considering that story has todays date on it, not only is it old news, it's also incorrect now. And that story actually negates itself too, it makes it clear that it is wrong, a mistake, quoting several industry/official sources.
The insurance industry has already issued a statement last week saying there shouldn't be a problem. I would imagine that all call centre staff have been briefed and are now up to speed on the subject, whereas a few weeks ago, they wouldn't have been. Several threads already running on just this.
The insurance industry has already issued a statement last week saying there shouldn't be a problem. I would imagine that all call centre staff have been briefed and are now up to speed on the subject, whereas a few weeks ago, they wouldn't have been. Several threads already running on just this.
Doesn't the confusion just come when you fit them on another set of wheels? They view the second set of wheels as a modification....presumably if you just have winter tyres fitted to your normal/original wheels it makes no difference to them.
After all, you don't tell them when you replace worn out tyres, and let them know whether you've bought ditchfinders or supersticky performance rubber, do you?
This is why my winter tyres are on a second set of OEM wheels - who's to know the difference?
After all, you don't tell them when you replace worn out tyres, and let them know whether you've bought ditchfinders or supersticky performance rubber, do you?
This is why my winter tyres are on a second set of OEM wheels - who's to know the difference?
Interesting argument, I doubt there are enough statistics yet to reliably show one way or the other but I would hazard a guess that there are fewer fault claims for winter tyre use than for non-use.
Bear in mind that the snow only lasts a short while, the grip on my Z4 is also much improved on plain old wet roads, this has contributed to one non-fault claim so far for me. I had to stop for an obstruction in the road in the wet, the car behind just couldn't manage it despite us having matched speed.
Some may argue this accident was caused by the extra grip that I had, but that misses the point that if I hadn't have had the extra grip then I would have hit the obstruction and then the claim would have been a fault claim for me!
Bear in mind that the snow only lasts a short while, the grip on my Z4 is also much improved on plain old wet roads, this has contributed to one non-fault claim so far for me. I had to stop for an obstruction in the road in the wet, the car behind just couldn't manage it despite us having matched speed.
Some may argue this accident was caused by the extra grip that I had, but that misses the point that if I hadn't have had the extra grip then I would have hit the obstruction and then the claim would have been a fault claim for me!
Blue Oval84 said:
Interesting argument, I doubt there are enough statistics yet to reliably show one way or the other but I would hazard a guess that there are fewer fault claims for winter tyre use than for non-use.
Bear in mind that the snow only lasts a short while, the grip on my Z4 is also much improved on plain old wet roads, this has contributed to one non-fault claim so far for me. I had to stop for an obstruction in the road in the wet, the car behind just couldn't manage it despite us having matched speed.
Some may argue this accident was caused by the extra grip that I had, but that misses the point that if I hadn't have had the extra grip then I would have hit the obstruction and then the claim would have been a fault claim for me!
thought winters are better all round under 7C, regardless of road conditions?Bear in mind that the snow only lasts a short while, the grip on my Z4 is also much improved on plain old wet roads, this has contributed to one non-fault claim so far for me. I had to stop for an obstruction in the road in the wet, the car behind just couldn't manage it despite us having matched speed.
Some may argue this accident was caused by the extra grip that I had, but that misses the point that if I hadn't have had the extra grip then I would have hit the obstruction and then the claim would have been a fault claim for me!
zakelwe said:
Cars with winter tyres go faster and drivers with them don't factor in risk compensation. A car stuck on a slop with wheels in spin mode does not pose a risk.
It is all about how much damage you can do, not how good they are.
Andy
your evidence? It is all about how much damage you can do, not how good they are.
Andy
Rubbish, thats just one scenario and how many bumps were there where cars slid into one another whilst spinning wheels to get up a slope ? I saw 4 minor collisions like this in 1 day in about a mile.
Blue Oval84 said:
Interesting argument, I doubt there are enough statistics yet to reliably show one way or the other but I would hazard a guess that there are fewer fault claims for winter tyre use than for non-use.
Bear in mind that the snow only lasts a short while, the grip on my Z4 is also much improved on plain old wet roads, this has contributed to one non-fault claim so far for me. I had to stop for an obstruction in the road in the wet, the car behind just couldn't manage it despite us having matched speed.
Some may argue this accident was caused by the extra grip that I had, but that misses the point that if I hadn't have had the extra grip then I would have hit the obstruction and then the claim would have been a fault claim for me!
Surely the problem was that the driver behind you was not driving within the conditions and his cars capability to stop nothing to do with your tyres hence you are not at fault!Bear in mind that the snow only lasts a short while, the grip on my Z4 is also much improved on plain old wet roads, this has contributed to one non-fault claim so far for me. I had to stop for an obstruction in the road in the wet, the car behind just couldn't manage it despite us having matched speed.
Some may argue this accident was caused by the extra grip that I had, but that misses the point that if I hadn't have had the extra grip then I would have hit the obstruction and then the claim would have been a fault claim for me!
Oh believe me I know I wasn't at fault here, but just demonstrating that he didn't factor in my significantly reduced stopping distance into his driving (not that he could have known) and therefore some people could try and argue that the bump happened because I had better rubber on.
They would be missing the point that if I hadn't stopped then it would have been ME that hit something!
They would be missing the point that if I hadn't stopped then it would have been ME that hit something!
zakelwe said:
Cars with winter tyres go faster and drivers with them don't factor in risk compensation. A car stuck on a slop with wheels in spin mode does not pose a risk.
It is all about how much damage you can do, not how good they are.
Andy
In my experience (and also common sense dictates) that cars losing traction and starting to slide backwards downhill is probably one of the most common forms of snow-related accident.It is all about how much damage you can do, not how good they are.
Andy
As for a car spinning it's wheels and not moving not posing a risk, my car was nearly hit, while parked, by a bloke in a Peugeot in the space next to me, spinning his wheels so ferociously his car was snaking from side to side, the rear end of his car swung out and nearly hit mine. I drove off sharpish rather than risk my car next to that moron. I've also seen cars spinning wheels trying to get out of a parallel parking situation, only to suddenly find traction and lurch into the car parked infront of them. So not only is a car, stationary or nearly stationary spinning it's wheels a potential hazard, it also has potential to be out of control, possibly bolting forward without warning. I'd say that if everyone used winter tyres and could drive around cautiously but almost as normal, there would be less accidents. For every dramatic "car in a ditch next to a corner" you see this winter, there have probably been four or five low speed collisions in streets, parking bumps and roll backs causing accidents.
zakelwe said:
Cars with winter tyres go faster and drivers with them don't factor in risk compensation. A car stuck on a slop with wheels in spin mode does not pose a risk.
It is all about how much damage you can do, not how good they are.
Andy
It is all about how much damage you can do, not how good they are.
Andy
What about the lack of grip once they have got going, surely that's a risk?Gassing Station | General Gassing [Archive] | Top of Page | What's New | My Stuff