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      11-25-2010, 02:16 PM   #1
zedman
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For all you winter tyre guys

Just rang to check with the insurer if it was cool to put some winter tyres on steelies on.

Simple answer. NO.

If this happens the policy will be void as it is classed as a modification.
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      11-25-2010, 02:17 PM   #2
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      11-25-2010, 02:33 PM   #3
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Admiral are happy that I change my summer boots for winters as long as they go back on the same wheels and are the same sizes as the summers
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      11-25-2010, 02:39 PM   #4
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They clearly dont have a clue what winter tyres are and for that reason surely wouldnt be able to tell they were fitted to the car if you had an accident.
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      11-25-2010, 02:47 PM   #5
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LV are cool with it, albeit I swap my staggered M-Sport wheels for some bog standard BMW 16 inchers rather than steel so they're still 'official' 3 series wheels.

BMW insurance wanted to hike my insurance by quite a bit last year by doing this so I left them, apparently they've changed their policy on it recently.
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      11-25-2010, 02:51 PM   #6
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You think BMW insurance of any car company would be all in favour of winter tyres considering you cant walk very far in BMW showrooms for then selling them to you.

It was only BMWs that appeared stranded at the side of the road earlier this year and the only car on my street that didn't move for the whole of January.

The german auto market shows that winter tyres account for 50% of the tyre market and the analysts expect that the UK market (currently 2%) will rapidly increase in the coming years. I think it should be the law like in most European countries that winter tyres are used in the colder months.
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      11-25-2010, 02:54 PM   #7
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That was kind of LV's view when I told them BMW wanted to charge me more (and it was quite a lot more)

"They want to charge you money for making your vehicle safer to drive - hmmmmm"
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      11-25-2010, 03:19 PM   #8
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Quote:
Originally Posted by zedman View Post
Just rang to check with the insurer if it was cool to put some winter tyres on steelies on.

Simple answer. NO.

If this happens the policy will be void as it is classed as a modification.
There's your problem

Many insurers seem either unable or unwilling to differentiate between mods that will make the car a potentially higher risk and those that will increase safety...
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      11-25-2010, 03:34 PM   #9
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I contacted my insurance (AXA) and they were fine about it. No additional charges.
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      11-25-2010, 03:38 PM   #10
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Mine are same size and speed rating as OEM running on the same alloy rims. In the spring I will be purchasing another set of rims identical to my OEM wheels - no mod.

BTW the winter tyres are also RFT.
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      11-25-2010, 03:40 PM   #11
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We switched to Octagon Insurance this year, and have it in writing that fitting winter tyres to the E90 would be acceptable and no increase in premium. We just have to let them know when we have switched so they can note it.

Which would be nice to do, however we've just sold the E90 so its all moot
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      11-25-2010, 04:58 PM   #12
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Quote:
Originally Posted by parapaul View Post
There's your problem

Many insurers seem either unable or unwilling to differentiate between mods that will make the car a potentially higher risk and those that will increase safety...
Yep they ask 'does the mod increase performance?'

performance of brakes and performance of engine are very different....
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      11-25-2010, 05:46 PM   #13
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LV for me too - absolutely fine with me putting winter wheels / tyres on.

One of the more sensible realistic insurance companies i've dealt with
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      11-25-2010, 06:11 PM   #14
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BMW Insurance, after 'phoning the underwriters confirmed that the fitting of the BMW recommended and approved winter tyre package only required that they note the change at the time that they are fitted (and removed obviously).

I was fully prepared to kick up a stink as with the BMW link it would be difficult to justify not covering it when they are the ones (now) also saying that the summer tyres are unsuitable in winter temperatures.
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      11-26-2010, 03:24 AM   #15
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This is part of the reason i went for the nokian wrg2's ( or is it wgr2 ? - can never remember) as they are all season so can fit early & leave on a bit longer to catch all the cold season ( having said that dont get them fitted till tmmrw)

My insurance company's stance was you can change the tyres for any tyres but not the wheels without us re pricing the premium.

Be interesting to see them refuse a claim because of winter tyres wouldn't it. I bet you would get a few tyre companies willing to help you out with your claim.
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      11-26-2010, 03:51 AM   #16
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The issue isn't changing the tyres, its the wheels.

UK insurers aren't geared up for that kind of 'mod'.

That's the main reason I stuck with another set of MV3's with winters on - no change to insurance.
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      11-26-2010, 11:33 AM   #17
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Quote:
Originally Posted by doughboy View Post
The issue isn't changing the tyres, its the wheels.

UK insurers aren't geared up for that kind of 'mod'.

That's the main reason I stuck with another set of MV3's with winters on - no change to insurance.
Same here, bought another set of M3 wheels to put winters on.
Insurance company only asked if they were the same style/size wheels - not at all bothered that I'd put winter tyres on.

I still asked them for written confirmation though........
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      11-26-2010, 12:21 PM   #18
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BMW insurance said "no problem" but my current insurers, Privilege, first said the speed rating had to be the same, which it isn't but I explained that my "V" rated winter tyres were OK up to 150MPH. Second time I called them, (15 mins later), different person checked and came back with an OK for an additional £17 and have to inform them when I change back - don't know if I have to pay again then!

This is one reason why I took a BMW wheel/tyre package to minimise the insurance problems even though I'm not madly keen on the Bridgstone Blizzaks that I've ended up with - still, they must be better than summer tyres, I hope!
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      11-26-2010, 01:18 PM   #19
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Quote:
Originally Posted by zedman View Post
Just rang to check with the insurer if it was cool to put some winter tyres on steelies on.

Simple answer. NO.

If this happens the policy will be void as it is classed as a modification.
No prob with BMW Insurance. It's a no extra charge modification!
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      11-28-2010, 09:03 AM   #20
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I rang eSure to say we wanted to fit some winter wheels/tyres but becuase they where not OEM alloys they wanted 75 quid to swap. So i've just swapped the tyres and its a nil change, just notification
I was told by the Tyre fitters that you can legally drop a speed rating on winter tyres. Not that you can legally drive at twice 70mph

I've fitted a set of hankook ice bears to the wifes GTI ..what a revelation in grip..and you can stop on sixpence

This morning the temp gauge showed -8c and i could still squeeze the tread blocks, tried that on my car yesterday at 2c and they where like iron.
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      11-28-2010, 09:43 AM   #21
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Interesting. I asked Esure yesterday and they said no charge, just let us know when you fit them and when you change back. I didn't mention wheels though as they are standard BMW wheels - so no problem.
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      11-28-2010, 10:41 AM   #22
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