|
Trader's Offers & Discounts A forum for discussing special offers that are available to VOC or Forum members. Commercial organisations must first seek permission to post details of products. |
Information |
|
Winter Tyres and Chris KnottViews : 1796 Replies : 13Users Viewing This Thread : |
|
Thread Tools | Display Modes |
|
Nov 12th, 2018, 11:03 | #1 |
Trader
Last Online: Jan 2nd, 2024 13:29
Join Date: Oct 2010
Location: Hastings
|
Winter Tyres and Chris Knott
Winter Tyres and Chris Knott
Hi, I'm often asked on club forums (and Facebook groups) about switching to winter wheels/tyres and whether an insurer will charge extra if you do. As it's getting to that time of year again I thought I'd just reassure any Chris Knott clients that the insurers we use don't usually charge for this. However, if you are thinking of swapping your wheels we do have to log when you make the switch and then again when you go back to normal - so please let us know on 0800 023 4374. Thanks, Nick *** *** *** FEEDBACK "Been with them for years now. I check about every year but so far the best price, understanding of simple mods / winter wheels and cust service has been there every time. Very happy so far." Joanna Cole, New Mini Scotland "Excellent service when arranging insurance for 2 cars. As much as possible is done by email which is efficient..." Julian P, TrustPilot "Quick, simple and always matching prices with trustworthy insurances." Carla, TrustPilot "First class service. Cannot fault any of the service given, highly recommended." Paul H, TrustPilot "Continuing my annual insurance search, Chris Knott have beaten my (already cheap) renewal by 10% but I’m getting some really outrageous quotes. Most north of £500 and a few into 4 figures!" Steve Ingall, Alfabook
__________________
VOC Insurance is administered by Chris Knott Insurance Simply call the VOC dedicated quoteline on 0800 023 4374 for your free no-obligation quote and see how much you could save. |
Nov 12th, 2018, 18:13 | #2 |
Master Member
Last Online: Mar 27th, 2024 20:43
Join Date: Dec 2011
Location: Surrey
|
Is this exclusive to the UK ? In other Northern European countries where the practice of swapping to winter tyres is routine, I'm pretty certain that its no business of the insurers. I mean, I don't inform my Ins. Co whenever I fit new tyres. The brand and the model, bought new or used.
Seems odd that it would ever be an issue, provided that they are road legal surely ? |
The Following User Says Thank You to XCR For This Useful Post: |
Nov 12th, 2018, 18:21 | #3 |
Non Fragile
Last Online: Oct 13th, 2023 05:46
Join Date: Apr 2010
Location: Chadderton, Oldham
|
I'm suprised too. But then again, I'm not. It's part of the insurance company's business model to wriggle out of any payment whatsoever - blaming someone for "the wrong tyres, void insurance" is just about as petty as we could expect from this disgustingly filthy and uncontrolled industry.
How such a magnanimous concept as insurance could be turned into such a vile and stinking business is really quite remarkable. |
The Following 2 Users Say Thank You to canis For This Useful Post: |
Nov 12th, 2018, 18:44 | #4 |
Premier Member
Last Online: Feb 16th, 2024 13:43
Join Date: May 2018
Location: Na
|
I know in the past when I have fitted them the insurers did not need to know.
There is a width, aspect ratio and speed rating. If you meet those then it would seem a waste of time having to phone someone up and tell them.... |
Nov 12th, 2018, 19:51 | #5 |
Member
Last Online: Jan 4th, 2020 23:09
Join Date: Jul 2018
Location: birmingham
|
legal
surley.
if you just change the tyres ,not alloys as long as there mot/road legal same size etc why would you have to inform the insurance company ??? |
Nov 12th, 2018, 19:52 | #6 |
Premier Member
Last Online: Jun 21st, 2021 20:47
Join Date: Jun 2018
Location: Creswell
|
Yes, so long as the load rating is correct and the size is a factory fitted size, the tyres are legal. Speed ratings are a grey area, in a rudimentary sense so long as they meet or exceed the claimed top speed of the vehicle they are in no way unsuitable, thus are fully legal, thus are no issue. However you may use a lower speed rating so long as you do not exceed that speed, which, in the uk is illegal anyway even for a P rated remould!
There was a big hoo-haa back in the winter of 2010 when we got hit by big snow, with some insurers trying to claim unsuitability of lower speed ratings, the governing body had to step-in and make it clear that these tyres comply with uk law, thus must be premitted, but if the speed rating is lower than the vehicle capability that the insurer must be informed as that constitutes a modification. So, if size/load/speed rating are correct for the vehicle, it does not make a jot of difference. If the speed rating is lower than the cars top speed, then the insurer needs to log the 'modification". I believe this second instance is where the broker and possibly some of the underwriters are getting their smocks in a raffle, since they are desk workers with no specialist knowledge. |
The Following 2 Users Say Thank You to AndyV7o For This Useful Post: |
Nov 12th, 2018, 19:53 | #7 |
Master Member
Last Online: Dec 16th, 2020 20:33
Join Date: May 2009
Location: kirknewton
|
This post stinks of getting a free advert. There should be no need to inform your insurance company if they are any good and there should be no charge even if they insist you tell them but check here to be sure. Only 3 on the list say you need to inform them. https://www.abi.org.uk/globalassets/...commitment.pdf
|
The Following User Says Thank You to kenny For This Useful Post: |
Nov 12th, 2018, 20:26 | #8 |
Premier Member
Last Online: Jun 21st, 2021 20:47
Join Date: Jun 2018
Location: Creswell
|
If the size load and speed index are correct, I'd love to see those companies try and prove in court why a suitable legal tyre is in contravention with the vehicle specs and law and how it constitutes reason to void a policy.
|
The Following 4 Users Say Thank You to AndyV7o For This Useful Post: |
Nov 12th, 2018, 21:53 | #9 | |
Premier Member
Last Online: Jun 21st, 2021 20:47
Join Date: Jun 2018
Location: Creswell
|
Quote:
|
|
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests) | |
|
|