Do I need to tell my insurer if I switch to winter tyres?

It might seem crazy, but insurers have been known to penalise drivers for 'modifying' their cars by fitting winter tyres...

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What Car? team
12 January 2018

In the past, when winter tyres were a relatively rare accessory for UK car drivers, we heard of drivers being charged a premium by insurers for fitting winter tyres because they had 'modified' their cars, or even being refused insurance altogether.

However, motor insurers have taken a more enlightened approach to winter tyres in recent years. According to the Association of British Insurers (ABI), as long as winter tyres are fitted to the manufacturer’s specifications and they are in a roadworthy condition, there are rarely any insurance implications.

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However, some insurers do ask that they are informed if winter tyres are fitted. The ABI lists the requirements of different insurers in its Guide to Winter Tyres, but if you are in any doubt we’d advise giving your insurer a call.

Next: Do I need winter tyres in Europe? >