Winter Tyres-Could fitting them Affect Your Car Insurance?

I always find it strange to hear my customers say “will my car be insured if I fit winter tyres”. I used to think that they were joking at first, but for some reason, they were very serious, apparently it was something that they had read in a national newspaper. When I checked this out, it said that if you modify or change your car from the original specs, then you should

winter tyres, insurance

Kumho winter tyres are very popular.

inform your insurance company, or you could not be insured in case that you had an accident. I suspect that this covers thousands of motorists driving about today, “with what they would consider minor adjustments” to their cars, such as fitting winter tyres, or a “go faster stripe “down the side.

There is no doubt that winter tyres do affect your cars performance, but only for the better by making the car drive with better control and brake better in winter weather from rain to ice and snow. As long as you sick to the same size and the advised load rating for your car, you should be fine and proud to fit the winter tyres.

Insurance companies should give you “discount” for fitting winter tyres

Even this year our customers have asked about the affect winter tyres can have on their insurance, so I thought that I would look into a little deeper and write an article about the subject. In my opinion I think that you should get a rebate from your insurance company if you make your car safer by fitting winters to it. In fact the big debate to me is “are cars with illegal part worn tyres insured” and the answer is NO, but I will look at that in a future article.

The problem has also become an issue with the insurers themselves after a deluge of inquiries from worried car owners, thinking that they would not be insured if they fitted these tyres to their car. According to the Association of British Insurers (ABI) the problem has been taken up with its members and now over 90% have agreed that they will not increase premiums for their customers that fit the correct winter tyres to their vehicles.

They also agreed that fitting winters to their car made for better road safety over the winter period, in fact many of the other European countries make it a law to fit winters between November and March of the following year, so why should the British motorists be penalized.

A statement from the ABI says; “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”

If you are unsure about your own insurance company as regarding their stance on the matter, then you can either ring them up or go to the ABI website where insurers are listed, who comply with “good to fit winter tyres “ruling. The web address is… https://www.abi.org.uk/~/media/Files/Documents/Publications/Public/Migrated/Motor/ABI%20guide%20to%20winter%20tyres%20The%20motor%20insurance%20commitment.pdf

Winter tyres will not incur extra insurance costs

winter tyres

Scenes like this will soon be upon us,so prepare your car for the worse to come.

Have I have stated earlier in this article the insurance companies often increased the costs of your insurance if you modified your car in any way and did not inform them, things like an upgraded modified engine spring to mind. They regarded you as been more likely to have an accident, if you had modified your car and also your car may have become a bigger target to car thieves, so an extra premium would have been charged.

At first when winter tyres became more popular the insurance companies gave out mixed messages, but the ABI can now confirm that winter tyres are a safety issue and are a great improvement when fitted to your car through the winter period.

My own advice would be to inform your insurance company that you are fitting winter tyres. You will, not have to pay any extra premiums. Some companies do require you to inform than a list can be found on the ABI web-site. Nick Starling, ABI’s director of general insurance, said: “Insurers do not want to penalize motorists who take steps, like fitting winter tyres, to improve their safety on dangerous winter roads. Last year cold weather came early and there was some uncertainty for customers about the insurance implications of fitting winter tyres. This commitment clarifies the position for motorists.”

Always fit the same size or a size recommended by your tyre dealer if a direct replacement cannot be found. Good tyre retailers will have a web site for converting the sizes over legally and should be accepted by the insurance companies. Some insurance companies such as Tesco and The Co-operative insurance company state that you are alright to fit winters but you should not oversize them. Over sizing any tyres is not a good thing anyway?

Pellon Tyre and Auto-centre offer car and van servicing and repairs to all makes of vehicles. We are members of Unipart Car Care centres and give a nationwide guarantee for all our work

winter tyres

Pirelli make an excellent winter tyre.

and parts. We also sell Winter Tyres Online from our website www.pellontyres.co.uk by using the tyre selector and choosing your tyre size. We offer courtesy cars to local motorists who need to go to work and leave their car with us for work doing. We are also an official MOT testing station and are members of Motor-codes, who carry out checks for high standard of equipment and workmanship.

Michelin Alpin 5 winter tyres-Really Worth Considering for the Harsh Yorkshire Winters

Michelin Alpin 5 winter tyres

Michelin also makes Michelin Alpin 5 Winter tyres

I was thinking that it is a good time to write this post about winter tyres when the winter is just a few months away and we did not have much snow this time last year  (at least not in Yorkshire UK). But we are Michelin Alpin 5only two months from next winter? So, (what the heck).

We find that more and more of our regular customers are now buying these tyres.  So many in fact that we decided a few years ago when we had our first cold and snowy winter, that we would start a “tyre hotel”. This is where the customer buys a set of winters and we fit the   Winter Car Tyres  and store the summer ones until the spring and then change the tyres over again. We charge for this service, but the tyres will last then three or even four winters, depending on the make and quality.

Michelin Alpin 5 winter tyres

This has always been a grey area to me? Which make of tyre do you recommend do you go for best which in my opinion would be the Yokohama winter tyre range, the Bridgestone Blizzac or the Michelin Alpin series including the new Michelin Alpin 5

 Michelin Tyres UK is probably the Worlds most respected tyre makers and like most French companies always bring French flair into the design process. This new Michelin Alpin 5 is

Michelin Alpin 5

Michelin’s involvement in motorsport helped in the development of the Alpin winter tyres

no exception to the rules. France has many mountain ski resorts Snow Tyres and the Michelin winter tyres are well tested and designed to give the French tyre buying public a no choice option, the French love to buy home brand products, as any visitors to France will not fail to observe the amount of French made cars that they buy and it is the same with other products.

Going back to the Dark Age’s winter tyres were chunky things with loads of tread rubber and were very noisy. Only rich people could afford them because they had to have them fitted to go abroad (mainly France) on skiing holidays. Because of the heavy tread patterns, the tyres were very noisy and no good for travelling at speed on motorways. Tyre manufacturers began to refine these tyres as our cars became faster and more motorways were being built across the whole of Europe.

Drivers in Germany would set off skiing for a long weekend in their BMW’s and Mercedes.

travel down the Autobahn (German Motorway) at 100 mph+ and then go up the mountains of Austria and France for a weekends skiing. It was clear that a different type of winter tyre had to be developed to cope with this new type of driving experience. Michelin developed the Michelin Alpin 5 and other tyre makers followed. They used different compounds (silicas were added) and included thousands of small slits in the pattern design, known as (Sipes) .

These sipes did two things scattered the snow, mud and water and made the tyre much quieter to drive on and therefore a more comfortable drive at speed on the motorways in winter.

This is where Michelin winter tyres are the leaders.

The new Alpin 5, has been even more improved to give even more driver comforts when using their cars in the winter months whatever the weather throws at them.

 The studies conducted by the Traffic Accident Research Chair of Dresden University in Germany (VUFO)*, European motorists drive mainly on cold roads in winter, whether dry or wet, but do not have to deal with snow very often, although since the report we have experienced an increase in colder weather and more snowfall. The report showed that 92% of accidents occurred on dry or wet roads and the remaining 8% on icy or snow covered roads. This where the winter tyre gives the motorist protection in winter with winter tyres fitted to their cars, they are more protected even on wet roads with winter tyre fitted.

Eric Roberts

Nokian Winter Tyre benefits

Bridgestone Blizzard Winters-New Winter Tyres from Japans Bridgestone Tyre Company.

Bridgestone Blizzard Winters

Bridgestone Blizzard Winters

Bridgestone tyres bring out Bridgestone Blizzard Winters

 

 

eric roberts‘s insight:

Contrary to this article we find that UK customers DO buy winter tyres

Bridgestone tyres have indeed brought out  new Bridgestone Blizzard Winters. In my opinion this is a step that the other leading tyre makers are making, a more varied amount of winter products.

One of our biggest sellers here in Halifax was Yokohama “W” winter tyres they were very popular sellers.

Another reason that I do not agree with this article is because we are now much more conscious about changing our summers  with winters  because of the colder winters that we are now experiencing.

We have now been operating a “winter tyre hotel” for the past three years,not only does it work for us but it keeps in touch with our customers at least twice a year when they come in for theirs changing.

Bridgestone Tyres introduce a new SUV Winter Tyre

Blizzak SUV winter tyre LM-80

Bridgestone have upgraded their SUV winter tyres range to include the Blizzak LM-80 EVO. Although these tyres have been out a couple of years now, they have proved to be a leader in the SUV winter tyre market.

The old words when describing Bridgestone Blizzard Winters certainly flow when introducing this wonderful tyre product. In line with most other tyre manufacturers, Bridgestone Blizzard Winters have designed

Bridgestone Blizzard Winters

Bridgestone Blizzard Winters an excellent product

these with many sipe patterns to help get rid of the slush and wet that we associate with bad winter driving conditions. They have also added silica to the tyre compound to enable them  to remain flexible when driving in freezing temperatures.

The design is topped up with by adding  a centre rib and extra shoulder  blocks to the  tread area, for extra strength when cornering, giving these larger vehicles better handling and wet braking when driving in winter conditions. Here is some advice about driving in  winter conditions.

Eric Roberts… www.pellontyres.co.uk

SUV Winter tyres-even more important for SUV drivers – UK Net Guide-Pellon tyres

SUV Winter tyres
SUV Winter tyres,winter tyres

SUV Winter tyres even more important for SUV drivers UK Net Guide Indeed, speaking to the Telegraph, Guy Frobisher, marketing director at Continental, notes that a significant proportion of accidents could be avoided if only drivers invested in some…

 

eric roberts‘s insight:

SUV Winter tyres for extra safety

It always amazes me the amount of SUV drivers that visit my garage here in Halifax UK, are not aware of the dangers that they face when driving in any kind of winter weather .SUV Winter tyres

Even if it does not snow.So, the cold and wet weather will affect the way that their SUV vehicle. Hence, will perform on the roads, and they will be much safer. Thus on SUV Winter tyres.

I can now say without doubt, that this is a true fact. The article says that the SUVs on summer tyres. Are involved in more accidents relating to the weather conditions. Than on normal type saloon cars. The tyre sizes and overall diameters. Making the SUV vehicles more vulnerable in winter weather. Therefore, there is no doubt that SUV Winter tyres. So, will enhance the safety of the vehicle in winter weather.

SUV Winter tyres

Also many SUV drivers are not aware that their vehicles are only fitted with summer tyres. Of course, when they are first purchased. SUV Winter tyres have to be bought separately. They seem to be lulled into a false sense of security.Especially, when they see that their cars are fitted with big fat wheels and tyres. So, the truth is that this type of tyre will act in the opposite direction. Of course, when they are faced with cold temperatures and rain and snow. Indeed this type of tyre with its wide tread area acts exactly in the wrong direction, and makes the vehicles unstable on the icy and wet winter roads.

As the article states last year the AA alone had to rescue 8000 motorists who were stuck in ice snow and mud, and all this could have been prevented if the vehicle owners had fitted winter tyres. So if you take my advice it is not too late to fit a set of SUV Winter tyres on your SUV particularly, but on any vehicle, foe a safer winters driving.

 

About Eric Roberts

Hi I would like to introduce myself. Having worked in the Garage and tyre and Battery  industry now for 40 years. I worked for a couple of national tyre companies before starting my first business. I now own a company here in the UK called Pellon Tyre and Auto-centre, and I am a keen blogger about anything to do with cars and their related products that will help my business.
See on www.uknetguide.co.uk

Snow Tyres- Are they More Important than AWD in the Snow? – Carscoops (blog)

Snow Tyres

Are Snow Tyres More Important than AWD in the Snow?

Carscoops (blog)

There’s a common misconception that an all-wheel drive car is all one needs to be safe when driving in winter.

Eric Roberts says

SUV owners should be looking for winter tyres

It is a huge misconception that the owners of SUV vehicles are safe when driving in the winter time. These large vehicles are normally fitted with some kind of sport

snow tyres

Nissan terrano for 4 Yokohama snow tyres fitting

summer tyres and because they have big wheels and wide tyres, the owners think that they can go any ware in different driving conditions.

I remember a few years ago when we had our worse snow for a few years. The phone was red hot with SUV drivers trying to get some winter tyres. As luck would have it we deal with a German tyre company and were able to pick up some stock, but there was certain sizes that were completely unavailable.

What the public don’t realise is that the tyre manufacturers make winter tyres in summer and most of them are sent to the countries that have to have snow tyres fitted by law. These include Germany, Switzerland, Austria and a few more that slip my mind. We and the rest of Europe have to take

Things are now getting better with the importing of many snow tyres coming from the Far East. Yokohama from Japan are also an excellent winter tyre and are available in many sizes including tyres for the SUV vehicles. We also recommend General winter tyres but they only make the tyres for the average saloon car.

So the moral of this article is to get yourself some snow tyres for your SUV before they start to run after the first snow.

Eric Roberts

Toyota Yaris Clutch Problem
See on www.carscoops.com

Winter tyres grip-can help you get a grip in the cold and the Snow- Evening Telegraph

Winter tyres grip

Winter tyres grip can help you in the cold
Evening Telegraph On damp or wet roads, tyres grip differently — and the braking distance is substantially longer.

Winter tyres

It pleases me very much to see how the British public have responded to the efforts of the owners of tyre outlets and the many motoring publications, that have been

Winter tyres grip

Citroen fitted with 4 Yokohama winter tyres

advising the public about the advantages and safety features of fitting winter tyres to your car.

What started me off committing myself to this subject was the massive increase of traffic on our roads, combined with the worsening winters that we were getting. This in my eyes makes road safety, especially where brakes and other road safety factors are concerned. Cars are travelling and accelerating at much faster speeds and therefore requires better braking systems and tyre technology. The latter is probably my specialist subject and a subject that I am passionate about, therefor the advice that I give to drivers and my customers is in their best interest.

Winter tyres grip

Winter tyres grip (Photo credit: Travelling Steve)

The subject of whether or not to fit winters in November time or not, to me is a “no brainer”. Here in West Yorkshire winter will shortly arriving , in fact this morning the local council gritting trucks are out gritting the icy roads. Winter tyres have a special compound that has silicone added to the rubber compound.

Winter tyres grip

Of course,this ensures that the winters remain flexible in freezing weather conditions, and are still able to maintain there grip on icy or snowy roads. On the other hand a summer ones that do not have additives will begin to harden when the temperature drops below 7 degrees centigrade, when Winter tyres grip . The effect is similar to your wiper blades, we all know that in cold weather that your wiper blades become very hard and will not clean the windscreen, all other rubber items have the same affect, and do not work correctly in cold weather.

If the tyre does not flex because of the cold, then the tread will not be able to do the job of gripping, especially in cold weather or on a very dirty rainy day when you may be traveling at 70 mph on a motorway. Winters will flex and give you the full tread onto the road, together with a much better designed tread pattern made especially for wet and snowy winter conditions, there is no doubt that Winter tyres grip . You owe it to yourself and your family to be as safe as possible on our very busy roads in winter time, none of us know what the weather will throw at us on any given day,(not even the weather man)

Eric Roberts members of Tyresafe.org. 

Toyota Yaris Clutch Problem

Pellon Tyre and Auto-centre offer car and van servicing and repairs to all makes of vehicles.

SUV Safety Winter Tyres- Take better control over your SUV in bad weather by fitting winter tyres

SUV Safety Winter Tyres

SUV Safety Winter Tyres are a must for SUV cars

 

suv winter tyres

Winter tyres on this Porsche SUV in the Halifax Fitting station Yorkshire UK

When you been in the tyre trade as long as I have. Then we often get offered opportunities to help test new tyres. Hence, from the different tyre manufacturers. You may wonder what this has to do with SUV winter tyres. But a couple of years ago I was offered a chance to test drive some SUV vehicle. Thus, fitted with Vredestein SUV Winter Tyres. So to prove how different this type of car performed on winter tyres.

The cars included many different models. Including the new Range Rover the new Porsche Cayenne and the BMW MX and Mercedes ML models. We were all flown to Austria and headed for the mountains.

SUV Tyres-Fear in my eyes

All the cars were fitted with the excellent Vredestein Wintrac Xtreme tyres. Which were designed by the great car designer Giugiari. of course, the cars were driven by professional test drivers (and boy did I know it). I was in the passenger seat and another couple of guys were in the back.

We climbed upwards until we reached the snow line. The drivers then let loose, they were that confident with the snow tyres fitted that they drove these SUVs like mad men. We were driven on ice and snow through forested areas and up and down steep ravines at high speed . I had never been as frightened in my life, my eyes were popping out with fear. I was ever so glad when the tyre tests were finished, but it proved to how good these cars were with SUV Winter Tyres fitted.

Most of these cars come fitted with summer tyres when new so it is well worth investing in a set of SUV Winter Tyres to give you full driver confidence when the Apollo suv Winter Tyreswinter weather comes along, as many drivers of these vehicles found to their cost when they got stuck in snow and ice in the last few winters.

Apollo winter tyres make excellent  Winter Tyres.

One of the top tyre manufacturers to make excellent SUV Winter Tyres for the SUVs are Apollo. They are world renowned at making great tyres for winter. The tyres are now made at the famous Vredestein winter tyre factory in Holland. 

More reading…

“The Wintrac Nextreme has been developed for drivers of stylish cars with powerful engines who want to be able to drive at relatively high speeds, even when temperatures are low. It is a modern SUV Winter Tyres with great steering precision, low noise production and low rolling resistance. The Wintrac Nextreme has been designed in close collaboration with Giugiaro Design. The innovative tread design, in which the tread is integrated into the sidewall design, gives the tyre a unique look. In addition, the tyre guarantees excellent performance even in the most extreme situations. The Wintrac Nextreme already complies with the European regulations for wet grip and noise, which will come into force in 2012”… http://www.vredesteinwintertyres.co.uk/

Eric Roberts

Nokian Winter Tyres-Are still one of the top winter tyre performers in recent tyre tests

Nokian Winter Tyres

Yorkshires latest Nokian winter tyres dealer.

"<yoastmark

I am very proud to become the newest Winter Tyres dealer in Yorkshire. Nokian tyres are an excellent product. Especially, in the form of winters .Hence,when the mad rush for winters is on. Thus, we can normally only get them from Germany. As the winter progresses the price of these tyres goes up and up.

Nokian  Tyres have been around for a long time.Consequently, are produced in Finland and Russia. Two of the coldest and snowiest countries in the World. If they do not know how to make tyres then nobody does. For tyre companies to prove their products it is important that they enter their tyres in tests that are held independently by motor sport magazines. One of the most influential magazines in the world is the “Auto Bild” magazine , who hold regular tyre testing events on summer and winter tyres, these test are carried out with complete impartiality and the results can be completely trusted. The tyres were tested earlier this year and were tested with top ratings coming in as the top winter tyre in that size.

The tyre tested was the 205/55×16 tyres , the most common tyres in use today, and was described as with exceptional performance in snow with well balanced handling properties.

Nokian Winter Tyres

Nokian testimonials come thick and fast here are a few…

"<yoastmark

  • Chris, Canada
  • “I live in the Highlands of Scotland. Hence, drive a Subaru Impreza and since late September this year I have been using your W+ Nokian Winter Tyres. I am utterly amazed at how good they are. The weather and snow levels here right now are some of the worst I have ever witnessed. I feel way more in control and safer with your tyres on. The car is balanced moves predictably and inspires great confidence. I chose your tyres based on recommendations after doing a lot of research into many brands of winter tyres. They have exceeded my expectations, they are better than my old brand in the dry, are amazing in the wet and so far are shocking me how good they are in the snow. On all levels performance, price, safety and feel. These tyres have me loyal to your brand always now.  Thank you for keeping me safe and getting me back home to my family.”
  • Diarmid, Highlands of Scotland…
  • If you check on the Nokian web site you will see many more testimonials for these excellent winter tyres.

Nokian winter tyres also came out very favorable in tyre tests carried out by “Auto Express” for further reading and test results…

 www.pellontyres.co.uk

 Eric Roberts

 

Fitting Winter Tyres-for your Families Safety and winter mobility

Fitting Winter Tyres 

There is no doubt about it almost all of Europe including us here in the UK are now prone to very sharp cold and snowy conditions during the winter months. The effects of Global warming are now starting to take there toll and climate change is starting to happen big style. We have all seen the effects of the heavy rains and flooding that have hit most countries of the World, with devastating and disastrous effects. In my opinion it will be only a matter of time, before we all get caught out in bad winter conditions, such as mega freezing conditions and blizzards.

Fitting Winter Tyres

Snowfall in the Pennines Fitting Winter Tyres is important for safety

North Americans are used to getting two foot of snow and in general prepare their cars for the winter to come, fitting winter tyres is one of the priorities that prepare them for the winter to come, we have all seen the recent snow fall that affected New York after the Hurricane struck the East coast. This could also be the norm for Northern Europe with colder winters and heavier snow falls, so we too should be well prepared, by fitting winter tyres, after all it makes good sense to be safer and able to get home or to work if snow is in the weather forecast.

Many countries in Europe have got be Fitting Winter Tyres by law and in my opinion this law should be rolled out across the rest of the EU countries.

A good a article to look at is by a Skiing enthusiast and motorist Otto Imken, who gives good advice about the best top 5 winter tyres…

 “The snow is starting to fall in parts of North America and full-on winter is right around the corner, so it is time to start thinking about all things icy: Do I need a new jacket? Where did I stash those goggles? Is it gonna be Utah, Colorado, Montana or B.C. this February? And of course, what kind of snow tires should I get?”…http://www.liftopia.com/blog/top-5-snow-tires/

Also more reading about Fitting Winter Tyres

 “Thanks to my job, I have had plenty of experience on snow tires, and I can’t believe I ever lived without them. Snow tires make an enormous difference, and if I still lived in a place where it snowed, I wouldn’t even consider driving without them. Well, that’s not true… I would consider it, because I’m cheap. But I have no doubt that snow tires make you safer. If you’re on the fence about investing in snow tires”… http://cars.about.com/b/2012/11/14/should-you-buy-snow-tires.htm#comment-193772

  Eric Roberts.

Pellon Tyre and Auto-centre offer car and van servicing and repairs to all makes of vehicles. We are members of Unipart Car Care centres and give a nationwide guarantee for all our work and parts. We also sell Winter Car Tyres online from our website by using the tyre selector and choosing your tyre size. We offer courtesy cars to local motorists who need to go to work and leave their car with us for work doing. We are also an official MOT testing station and are members of Motor-codes, who carry out checks for high standard of equipment and workmanship.

Steel Wheels-To fit your Winter Tyres on-This is the best way to store and fit your winter tyres

The advent of winter tyres is bringing steel wheels back into circulation?

Many European countries are coming to terms with the fact that they have to fit winter tyres to their vehicles between the months of November and March, to comply with new winter safety laws. Most Europeans keep a spare set of steel wheels already fitted up with winter tyres. The latest country is Luxembourg, in my opinion, the UK will be one of the next countries to follow suit, only because global warming is bringing us all colder winters and Steel Wheelswetter summers, with a need for better and safer tyres to cope with these weather conditions. Steel wheels and winter tyres are a much better option and enable motorists to travel far safer in the winter months than the standard summer tyres that we are all so used to buying.

This new trend in motoring.Probably started off in Germany.Hence, it has sparked off a revival for new Steel Wheels and Tyres Packages. Thus, with a set of winter tyres fitted. So that the driver, can change their set of alloy wheels.Of course, that are complete with summer tyres. Therefore, to a set of Factory Steel Wheels, fitted with winter tyres.Of course, a splendid idea. Thus, one that should be looked by all safety-conscious motorists.

Steel wheels much stronger in winter

We here in Halifax have also noted that more of our customers are purchasing winter tyres and we now run a “tyre hotel”, saving the summer tyres in winter and then changing them back to summers in say March. The trend of buying a set of steel wheels has not yet caught on, but we are starting to see this trend happen here now with more customers opting for a separate set of steel wheels with winter tyres fitted, definitely a thing for the future.

One of the leading steel wheel manufacturers in the World is a Swiss company called KFZ Stahlrad. They manufacture steel wheels for the aftermarket to fit up to 90% of cars and SUV vehicles. The business developed with the advent of the new EU laws making winters a compulsory fitment and have gone from strength to strength now supplying much of Europe with this excellent product.

Steel wheels steel wheels

Another good point to make about steel wheels is that they are much stronger and more resilient than alloy wheels. They may not look as pretty as alloys but are easier and cheaper to replace should you bump one, in say icy winter conditions. Steel wheels are repaired with just a simple hammer, but alloys require specialist repairers with a big repair bill at the end of it.

Steel wheels are also available for a number of vehicles including larger cars and SUV vehicles and are very much worth looking into for your second set of winter tyres for a smooth change over from summer to winter tyres.

 Eric Roberts

Pellon Tyre and Auto-centre offer car and van servicing and repairs to all makes of vehicles.