I recommend anyone using snow socks or chains to get in touch with their insurance company before buying or fitting them. I first heard of snow socks on another thread and someone there suggested that fitting traction aids might be seen by insurance companies as a modification. Since then I've been in touch with Churchill and they do need to be informed if using socks or chains, although there is no charge for amending policies to cover this.
And while we're on the subject of greasy insurance companies...
yeah got protected no claims but still hurts the pride
...and how much do you think that NCD protection is worth?
Three years ago my pride-and-joy mk2 Golf 16v was hit by an artic on the M6 near Carlisle. The driver left the scene as I went to get his reg details and so I had to make a claim that couldn't be recovered from a 3rd party. I was initially offered £300 payout which after several exchanges eventually went up to £1750.
The sting came at renewal time when my insurance shot up from £350 to £980. I contacted my insurers to confirm that I had protected NCD and to ask what was going on with my premium, as my renewal notice said I had 7 years NCD but the quoted figure was equal to me having lost my NCD. The brokers said it was up to the insurance company and they could load the premium as they saw fit, regardless of NCD and whether it was protected or not. So, I had 7 years NCD on paper but my policy went up anyway as if I was starting afresh. Bunch of crooks...
DubSteve
