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Winter tyres and insurance

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Sat Nov 03 2012, 07:01am

Member No: #82
Joined: Jan 22 2007
Location: Hoylake
Over the winter of 2010/11, there were reports of some insurers increasing premiums or remarkably even refusing cover if winter tyres are fitted.

While owners should speak to their insurer/broker if they are fitting winter tyres, the ABI has produced a commitment setting out the position of a number of named motor insurers in respect of the impact on insurance premiums of fitting winter tyres to your car.


Motor insurers recognise that some motorists may wish to fit winter tyres to their car during cold weather. Motor insurers recognise that, whilst no substitute for common sense driving, winter tyres can have a positive impact on improving road safety. In the past there has been some uncertainty for insured customers about the insurance premium implications of fitting winter tyres to their cars. To assist in reducing this potential uncertainty, the ABI has produced the Commitment set out below which sets out the position of those named motor insurers in respect of the impact on the insurance premiums of their insured customers if a customer wishes to fit winter tyres to their car.

As can be seen, often motor insurers will not charge an additional premium when their insured customers use winter tyres, provided that they meet, and are fitted in accordance with, the vehicle manufacturers’ specifications and are in a roadworthy condition.

However, some motor insurers may require you to contact them to let them know if you do choose to fit winter tyres. The name of your insurer and their contact information can be found on your insurance policy documentation (summary details are provided below). It is important to remember that sometimes your motor insurer may be different from the company that sold you your insurance policy.

This Confirmation will apply from 30th October 2012 to 29th October 2013 at which time it will be reviewed.

Please note that this Commitment only applies to cars used for personal use that are insured under a private or personal use car insurance policy.

For more details and to see the position of your insurer, click here.
1 User said Thank You to BigJohnD for this Post :
  (03 Nov 2012 : 12:27)
Sat Nov 03 2012, 10:43am

Member No: #1
Joined: Aug 07 2006
Location: Northumberland
Thanks John. One company not on that list is Saga. They didn't charge me an additional Premium and weren't really concerned that I had informed them......

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