Oct 16, 2017 ... Motor insurers recognise that some motorists may wish to fit winter tyres to their car during ... under a private or personal use car...
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WINTER TYRES – THE MOTOR INSURANCE COMMITMENT 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. 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. The commitment of insurers: The insurers named below do not require the payment of any additional premium if customers decide to fit winter tyres to their cars, provided that the tyres meet, and are fitted in accordance with, the relevant vehicle manufacturers’ specifications and are in a roadworthy condition whilst in use. Insurer
Do customers need to inform the insurer when fitting winter tyres to their cars?
Does the fitting of winter tyres affect the amount of cover provided to customers?
1st Central Insurance
No
No
ABC Insurance
No
No
Acromas Insurance Company Ltd
No
No
Admiral
No
No
Adrian Flux
No
No
Advantage Insurance
No
No
Contact details
Page 1 of 6 16th October 2017
Company Limited (Gibraltar) Age UK
No
No
Ageas Insurance Ltd
No
No
Aioi Nissay Dowa Insurance
No
No
Allianz
No
No
Allianz (Northern Ireland)
No
No
Allianz (ex NI)
No
No
Aviva Insurance
No
No
AXA
No
No
Bell
No
No
Canopius
No (provided that they adhere to the stated commitment that tyres are fitted to the manufacturer’s instructions and are in a roadworthy condition)
No
Chaucer Direct
No
No
Chaucer Insurance
No
No
Churchill
No
The fitting of winter tyres will not affect the amount of cover provided
0345 603 3551
Citroen
No
The fitting of winter tyres will not affect the amount of cover provided
03701256616
Amlin Insurance (UK) plc
As per policy documentatio n (varies by distribution channel)
Page 2 of 6 16th October 2017
Collingwood Insurance Company Ltd
No
No, provided the winter tyres/wheels fitted are of no greater size value than the tyres/wheels being replaced
Co-op Insurance: Car
No
No
Co-op Insurance: Ecoinsurance
No
No
Co-op Insurance: Young Driver Insurance
No
No
Cornish Mutual
No
No
Coveá Insurance
No
No
Diamond
No
No
Direct Line
No
The fitting of winter tyres will not affect the amount of cover provided.
Drive Smart
No
No change to cover provided
eCar
Yes, by phone or email
No
Echoice
No
No
Elephant
No
No
ERS
No
No
Esure Car Insurance
No
No
Phone: (0345) 603 7874
First Alternative Car Insurance
No
No
Phone: (0345) 603 7874
General Motors (Vauxhall & Chevrolet)
No
No
Go Girl
No
No change to cover provided
enquiries@ec arinsurance.c o.uk
Page 3 of 6 16th October 2017
Highway Insurance
No
No
Hiscox Insurance Company
No
No
Horizon Insurance Company Limited
No – provided the winter tyres/wheels match the sizes fitted by the vehicle manufacturer as either standard fitment or as an optional extra.
No – provided the winter tyres/wheels match the sizes fitted by the vehicle manufacturer as either standard fitment or as an optional extra.
Insure2Drive
No
No change to cover provided
KGM/Canopius
No (provided they adhere to the stated commitment & tyres are fitted to the manufacturer’s instructions & are in a roadworthy condition)
No
Lexus Motor Insurance
No
No
LV =
No
No
Markerstudy
No
No
Natwest
No
The fitting of winter tyres will not affect the amount of cover provided
NFU Mutual
No
No
Peugeot
No
The fitting of winter tyres will not affect the amount of cover provided
Premier Underwriting Ltd.
No
No
Privilege
No
The fitting of winter tyres will not affect the amount of cover provided
Provident
No
No
Customers who wish to contact Horizon can call Customer Service on 0344 561 4615.
0800 051 0289/ 0800 051 5405
0370 024 0269
0800 061 6990
Page 4 of 6 16th October 2017
Prudential
No
The fitting of winter tyres will not affect the amount of cover provided
0345 605 9260
QBE
No
No
RBS
No
The fitting of winter tyres will not affect the amount of cover provided
0345 246 0453
Royal London
No
The fitting of winter tyres will not affect the amount of cover provided
0800 032 9455
RSA (MORE TH>N and MORE TH>N Business)
No
No
Sabre Insurance Co Ltd
No
No change to cover provided
Sainsbury’s Car Insurance (underwritten by esure insurance up to 31.05.2011)
No
No
Phone: (0345) 603 7874
Sainsbury’s Car Insurance (underwritten by UK Insurance from 01.06.2011)
No
The fitting of winter tyres will not affect the amount of cover provided
Phone:
Service Underwriting
No
No
Shearwater Insurance
No
No
Sheilas' Wheels Car Insurance
No
No
Phone: (0345) 603 7874
Southern Rock Insurance
Yes, by phone or email.
No
Email: referrals@sricl .com Phone: 0344 776 5670
Swiftcover
Yes
No
As per policy documentatio Page 5 of 6
16th October 2017
n (varies by distribution channel) Tesco Underwriting Limited (for Tesco Car Insurance policies underwritten by Tesco Underwriting Limited)
No
No
Toyota Motor Insurance
No
No
UKI
No
The fitting of winter tyres will not affect the amount of cover provided