Winter Tyres and Chris Knott

[XCR]

As another member here has pointed out - this is thinly veiled ad, and we are not children here so can see it for what it is, hence the general discussion.....perhaps some advice from the industry would be helpful though...

Presumably, I'll need to inform my home insurance provider that I've just bought a new doormat. You see, its about 5mm thicker than the old one so could constitute an enhanced risk....also, what about fairy lights ?
My dog has just been for a haircut. Now, he's not normally prone to catching a chill, being a Gundog breed, but you never know. Should I contact The Kennel Club tomorrow to keep them abreast of the change.....?

Years back my son unfortunately crashed my Audi A3 and the Ins Co refused a payout on the basis of modifications....I'd foolishly had the weedy standard tired-out brakes replaced with the larger, grooved variety complete with Greenstuff pads and four-pot calipers....step on the middle pedal and stick your eyeballs to the screen, that sort of stopping power.
A strongly worded letter via my legal representative, complete with an engineers report and independent tests of both braking systems soon saw them doing the right thing.
Years later my BMW X5 was stolen with keys. The Police had good forensics and the Albanian gang was caught but sadly the vehicle was long gone.
The bastards took four months to pay me and when they did they tried, unsuccessfully, to chisel me out of around three grand.
That claim we continue to pay for in increased premiums to this day.
Why ? What did I do wrong as a victim of crime ?

"Insurance Companies are all the same - superb to deal with until you claim."