Member Since: 07 Sep 2015
Location: Oxford
Posts: 1113
Direct Line tried to charge me more for fitting winter tyres
...for my forthcoming trip to the Alps!!!!!
I pointed out they would make my vehicle safer there and mentioned Twitter etc...
They backed down but what cheek!!!!
23rd Jan 2017 6:44 pm
HughMartin
Member Since: 30 Mar 2008
Location: Aberdeenshire
Posts: 751
Direct Line have never charged me for changing to winter tyres. I only object to having to phone them twice a year to tell them. They said "all modifications" have to be notified.
So when does a modification become a modification? I have placed a Disco4.com sticker and a lifeboat sticker on my rear windows. I have changed my reversing light bulbs to make them brighter. I have fitted a dashcam, enabled remote FBH, fitted a roof rack + various other changes. Do all of these have to be reported. What do other members tell their insurance company?
23rd Jan 2017 6:53 pm
Bill Wright
Member Since: 03 Nov 2007
Location: Glorious Devon
Posts: 3254
I'm with Privilege and if I had the same things that you have fitted, I would have to tell them in case it makes a material difference to the vehicle. In the event of a claim, the Loss Adjuster will be looking for anything that will mitigate the insurer's liability.Never take life too seriously. Nobody gets out alive anyway.
D4 SDV6 SE Tech Kaikoura Stone MY15.
23rd Jan 2017 7:50 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 73086
Same here with Priv, but no charge. PITA but just a hoop to jump through.
23rd Jan 2017 7:52 pm
rrhool
Member Since: 28 Aug 2014
Location: Norfolk
Posts: 4523
I never considered telling my insurance that I had winter tyres on. They are the correct size and load rating for the car. I wouldn't tell them if I changed the tyres for a different tread pattern any other time.Richard
D3 SE 2007. Triumph 2.5Pi 1973. Ferguson TEA20 1948.
Discovery 2 4.0 ES 2001- Gone
Discovery 1 300Tdi ES '95 - Gone
Range Rover Classic '79 - Gone
23rd Jan 2017 8:10 pm
RDR
Member Since: 24 Mar 2013
Location: Derbyshire
Posts: 2260
I'm with Elephant, they have a note on my file that I will be using within manufacturer specificatiion Winter tyres Oct-March and Non standard size AT tyres otherwise +/- 1 month. They were happy and no charge MY06 S - Gone but not forgotten
MY12 HSE - Gone
MY16 HSE Luxury - Sold
MY20 D5 HSE - Sold
Current RR L460 PHEV
Last edited by RDR on 23rd Jan 2017 8:48 pm. Edited 1 time in total
23rd Jan 2017 8:22 pm
DG Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50978
Some insurers will penalise if you deviate from OEM stipulated tyres or in the case of winter tyres they believe that you may put yourself at higher risk or in situations where you are exposed to others who may not be able to retain control in snowy \ icy conditions.
Here is a 11/2016 ABI list of insurers who care or not
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50978
Fake news ...there was actually 1.5 million duplicate posts 21 year LR veteran > D2 GS 2003 > D3 S 2006 > D3 HSE 2009 > D4 HSE 2013 > D4 HSE 2015 > D5 HSE 2018 > DS HSE R-Dynamic P300e 2021
23rd Jan 2017 9:32 pm
rrhool
Member Since: 28 Aug 2014
Location: Norfolk
Posts: 4523
DG wrote:
Some insurers will penalise if you deviate from OEM stipulated tyres or in the case of winter tyres they believe that you may put yourself at higher risk or in situations where you are exposed to others who may not be able to retain control in snowy \ icy conditions.
Here is a 11/2016 ABI list of insurers who care or not
From that list, it's only E-Car, Southern Rock & Swift Cover who need to be informed.Richard
D3 SE 2007. Triumph 2.5Pi 1973. Ferguson TEA20 1948.
Discovery 2 4.0 ES 2001- Gone
Discovery 1 300Tdi ES '95 - Gone
Range Rover Classic '79 - Gone
23rd Jan 2017 11:06 pm
spikekellyrm
Member Since: 23 Jul 2015
Location: Manchester
Posts: 662
Makes for a good talking point. Ive fitted 'steps', aux driving lamps and an RAI, will declare properly at renewal. Someone has a letter from LR stating that the compomotives are manufacturer approved, can't remember what thread though.D4.5 Facelift, Lazer ST4, Prospeed underbody and rack, IID BT, Compomotive/BFG KO2, Series MFlaps, RAI, Dog Gd+XBB, Alive Tuned, T-Max/YellowTop, RemoteFBH, GlassesMod, WheelWinchMod, Jack Mod, LED Mods, Seized Crank Mod....
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