Charles,
I'm afraid Tacr2man is correct partly for the reasons set out in Luke's subsequent post. You will have stated that your vehicle has not been modified from the standard specification in the proposal form. Tyres are a fundamental element of that.
Contracts of insurance are contracts uberrimae fides, or of utmost good faith (by rough translation) if you answer any question incorrectly, or fail to disclose something that the insurance company would regard as altering their risk (and a variation below manufacturer recommendation of the tyre rating will be such a variation irrelevant of your view or expert opinion), they will avoid the insurance policy and refuse to pay out. This is an obligation upon the proposer and not the insurance company (historically it was thought that the proposer knew the risks better than the insurance company).
The Law Commission is currently reviewing this following all the problems with the flood victims being denied compensation if you forgot to disclose a shop lifting conviction 30 years ago etc. However, the present law remains as set out above (as a very brief and inadequate summation of the law of insurance!!).
It really would be worth changing those tyres - if you have an accident your insurance company will pursue you for any losses that they have to pay out on which will mean that the cost of a new set of boots pales into insignificance.
Now back to snow tyre shopping for the 90!! Is the General Grabber A/T2 the generally accepted winner now for all round use then. Want to go green laning as well when I get round to finishing / starting the rebuild.
Jon
I'm afraid Tacr2man is correct partly for the reasons set out in Luke's subsequent post. You will have stated that your vehicle has not been modified from the standard specification in the proposal form. Tyres are a fundamental element of that.
Contracts of insurance are contracts uberrimae fides, or of utmost good faith (by rough translation) if you answer any question incorrectly, or fail to disclose something that the insurance company would regard as altering their risk (and a variation below manufacturer recommendation of the tyre rating will be such a variation irrelevant of your view or expert opinion), they will avoid the insurance policy and refuse to pay out. This is an obligation upon the proposer and not the insurance company (historically it was thought that the proposer knew the risks better than the insurance company).
The Law Commission is currently reviewing this following all the problems with the flood victims being denied compensation if you forgot to disclose a shop lifting conviction 30 years ago etc. However, the present law remains as set out above (as a very brief and inadequate summation of the law of insurance!!).
It really would be worth changing those tyres - if you have an accident your insurance company will pursue you for any losses that they have to pay out on which will mean that the cost of a new set of boots pales into insignificance.
Now back to snow tyre shopping for the 90!! Is the General Grabber A/T2 the generally accepted winner now for all round use then. Want to go green laning as well when I get round to finishing / starting the rebuild.
Jon
