I'm enjoying the much smoother ride with my winters 
It is proper winter tyre weather tonight
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One thing i have found is due to the amount of water the winters pump away the car ends up filthy far quickerstill gives me a chance to clean it more often
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I contacted my insurance company Aviva throught my broker One Direct and I asked for confirmation from their assessor that I can change the tyre size to 15 x 175/60 when the handbook lists 15 x 185/55 as the standard tyre. Got a little more complicated explaining that I had upgraded alloys at 16 x 195/45. Since the call is recorded she clearly stated that 'once there is no change in performance there is no problem changing the size' but the sceptic that I am have asked for it in writing.
Spoke to a 'Mary' in the 'Broker' setup. They have a 'direct line' to the underwriter which is Aviva (branches here are closing down with all 'contact' going to the UK).
On a follow up call to check on 'what was happening' I had a very interesting conversation on a noisy train. She spoke from a 'brief' that they got from their underwriter. It's amazing how countries differ. I challenged her on the 7 degree 'thing' and when I get the email I'll post it. Essentially they did not want me to fit the winter tyres stating that they had a preference for all seasons. And sure why not fit good tyres like I did last year and you'll be able to cope. I reckon this personal update from 'Mary' in the broker will change when the underwriting side of Aviva is coming from the UK. Also if I go 'outside' the manufactures sizes in the manual I would need 'someone' e.g. a 'tyre expert'to say that they are OK. I wonder should I give them a copy of the Winter thread on here.
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I'll look forward to the outcome![]()
To use the 15x175/60 I would need to get a 'tyre expert' - not too sure where I would get one of them.
Les
I think I make a mistake on asking for an email.I preferred the original brief of 'once there is no change in performance there is no problem changing the size'. This was a recorded conversation that I had dated so a transcript could have been requested if I had a 'spot of bother'.
The email below is quite specific about the conditions of use on the winter tyres and does reflect the key points from the last conversation. To use the 15x175/60 I would need to get a 'tyre expert' - not too sure where I would get one of them.
Lesson learned: Quit while you're ahead.
Car Insurance Policy Number:xxxxxxxxx/xxxxxxx
Hi Michael,
Please see below terms and conditions for using winter tyres for the above policy.
Winter Tyres –Please note it is the clients responsibility to ensure the tyres on their vehicle are appropriate based on recommendations from manufacturer/tyre experts.
While winter tyres do not compromise handling or safety they have an aggressive thread pattern which make them more appropriate for use in temperatures under 7 degrees. Therefore, under the duty of care condition these tyres (winter tyres) should not be left on the car all year round.
All weather tyres are suitable for use all year round.
We trust this is to your satisfaction however if you have any further queries please do not hesitate to contact us on 1890 22 11 11.
Kind regards
xxxxxxxxxxxx
Customer Services Representative
One Direct
One House
Athlone Business Park
Athlone
Co Westmeath
Depends if it actually says that in the policy or not. It probably doesn't, in which case I agree with you that they could not squirm out of a claim.
But if they bothered to make it a condition that you not fit winter tyres between April and September then if you breached that, then they would not be liable to indemnify you (other than in respect of compulsory risks).
They could require you to wear pink fluffy slippers if they wanted to. wouldn't be a great business decision, but parties generally have freedom to contract how they like.
take it the Irish insurance co's are much more strict then.....
tell them your going to put some £20 a corner all weather tyres on then embed it in a wall in the snow then blame them :devil:
That s silly i know![]()
But that magic 7^C so your Ok to drive to work at 7 am as its under 7^C what happens if you nip out for your lunch and its 15^c do they expect you to change your tyres...
take a look here
http://www.abi.org.uk/Information/C...r_Tyres__The_Motor_Insurance_Committment.aspx
even though Aviva didnt want to know on the list... they still got told!
Insurer
Do customers need to inform the insurer when fitting winter tyres to their cars?
Thanks for that Andy.
Noticed that AXA are looking to be informed - that explains my mate's 'you need to tell your insurance...'
Other 2 items that I took from it..
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
My OH is on a particular type of business insurance policy which allows her to carry goods so it would not apply to her
are fitted in accordance with, the relevant vehicle manufacturers’ specifications
Aviva were allowing me to have a 'tyre expert' for a size different to the manufaturer's handbook.
Given the 'cut throat' nature of the insurance business 'car insurance' here is losing them money. Some are looking at angles on reducing their liability on paying out by apportioning blame on you (I've experienced this).
On the £20 All seasons tyre in each corner they will probably argue that 'once there is no change in performance there is no problem changing...' and produce a transcript of the conversation I've had with them.
I suppose a lesson for me is that if you have an accident it might be worthwhile taking a picture of the temperature read out IF it can work in your favour. On one occassion I have to get a report from the Met office on 'that night in question'.
To give Aviva their due they've been upfront and have been reasonable to deal. After my experience with one particular insurance company (I'll hold off on naming them) I swore I would always go through a broker.
Law > Contract.
If I wrote a contract which stated that if you give me £5 I won't kill you and you didn't pay me and then I killed you for not paying, is my action therefore legal because I laid it out in the contract and all parties were aware?
I'd suggest that it's not.
Any tyre which is E-marked is legal and approved for use in the EU. Just as any bulb, brake pads or light fittings with the E mark are 110% legal for use in the EU. This is why you can buy the nastiest set of E marked Chinese tyres, put them on your car and aquaplane off the road and your insurance still has to cover you. Ever wonder why the insurance companies last year never tried to weasel out of any claims because people were using summer tyres in the snow and ice? Because there is 0 legal basis for doing so, in Germany there is a law, but in the UK there is none, therefore any E-marked tyre meeting the car manufacturers specs is 100% legal.
Parties have freedom of contract but only when it doesn't break the lawThat said you can still make the contract and still enforce it and if the poor person on the other end doesn't think to challenge you then you can happily go around disallowing claims, but at one point you'll do it to the wrong person and end up on watchdog.
As an example, your insurance company wanted to have a clause in the policy that said you'd have to pay a higher premium if you fitted seat covers then they could do this as there's AFAIK no protection afforded by the law when it comes to seat coverings.
Maxi - you are wrong on this one. Your killing example is invalid because there is a difference between illegality in the sense of being proscribed by the criminal law, and legality in the sense of being permitted.
At the end of the day it is a bit like if you insurance says that other drivers can drive if they are over 25: you could not make a claim if you let a 19 year old drive just by saying that he has a licence and is legally entitled to drive and so the insurance company could not prevent him from being allowed to drive.
My only point is that everyone should READ THE CONTRACT.
but there is difference here and no fine line, i.e. if temp hits 13degs during the afternoon do you not drive with winters ?
You are no more legally obliged to take winter tyres off in warm weather than you are to take your winter jacket and thermals off on a 30 degree day.
Maxi - you are wrong on this one. Your killing example is invalid because there is a difference between illegality in the sense of being proscribed by the criminal law, and legality in the sense of being permitted.
At the end of the day it is a bit like if you insurance says that other drivers can drive if they are over 25: you could not make a claim if you let a 19 year old drive just by saying that he has a licence and is legally entitled to drive and so the insurance company could not prevent him from being allowed to drive.
My only point is that everyone should READ THE CONTRACT.