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Thread: Tyre Spec change - Check your Insurance!

  1. #1
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    Default Tyre Spec change - Check your Insurance!

    After finding out today that I need 2 need tyres for My Veccy (3.0 V6 CDTI) and trawling through all the threads on this site regarding tyre recommendations, I was going to opt for changing the 215/50 R17's to 225/45/R17's as recommended by many of you. My local selecta tyre dealer is doing the Goodyear F1's for £79+vat all in each, so thought not a bad deal as I need them doing before the weekend. I was getting dizzy headed though with all the comments on here about having different tyre specs on different axles and the legalities of it etc etc. So after a few phonecalls, here is what they all said:

    Tyre Dealer - Ok as long as the wider tyres are on the back - Illegal if on the front

    Vauxhall - No problem as long as each size is on the same axle.Ok for MOT and rest of the warranty.They also said that this size engined car is ok with 91w load rating.

    Insurance - This will class as a modification and wanted an extra £30+ish (I did explain that the wheels were the same and the tyres were in the recommended spec by VX)

    As my tyre dealer can do NCT 5's for £90+vat each anyway, I think now it is not worth the aggro as I only do low miles per year.

    The main point of this though is if any of you out there have made this change (especially if you have a mix of tyre sizes on the car) for god sake check with your insurers if the worst was to happen - Its not worth it to save a few quid.

    Cheers all!

  2. #2
    Full Member Big Sig's Avatar
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    As its an option from VX they could have been fitted and you were not aware of the difference in tyre sizes. You check the hand book and the tyre size is in there. So as they are listed for the car, they are above the legal limit the majority of insurers would be ok. But as you said, maybe its worth a call. Also the car is ONLY just in the weight range for the 91w's so technically they would be ok, a bit close IMO.
    Now I need a turbo to keep up!

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    Regular Member JuzzyD's Avatar
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    Which insurance company was that with? I'm sure my conditions state that I have to keep my tyres in good condition/roadworthy and in a size as recommended by the vehicle manufacturere - hence 225/45/17's would be fine as I read it?! (I'm with RAC)

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    It is Esure

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    Full Member Big Sig's Avatar
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    Quote Originally Posted by JuzzyD View Post
    Which insurance company was that with? I'm sure my conditions state that I have to keep my tyres in good condition/roadworthy and in a size as recommended by the vehicle manufacturere - hence 225/45/17's would be fine as I read it?! (I'm with RAC)
    Thats how I would read it, but if your worried give them a call over the weekend
    Now I need a turbo to keep up!

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    I think you could wing it if you got all 4 tyres replaced at the same time, there's little the insurance could do. Who could tell who changed the size? The factory, your tyre fitter, a previous owner?

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    Regular Member yorkshireborn's Avatar
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    ive just ordered goodyear eagle f1's 225/45/17 for each corner £390 all in from wilco/motorsave. fitting tommorrow no need to inform insurance there recomended by VX.

  8. #8
    [Ex]Admin Duncan's Avatar
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    Quote Originally Posted by Robbie View Post
    Tyre Dealer - Ok as long as the wider tyres are on the back - Illegal if on the front
    Hmmm, not sure about that comment. I'd recommend you put the wider on the back, but as for being illegal I don't think it is. As long as the tyres on the same axle are of the same size/ratio and of a size that is recommended for the car then I'm sure that's sufficient.
    Quote Originally Posted by Robbie View Post
    Vauxhall - No problem as long as each size is on the same axle.Ok for MOT and rest of the warranty.They also said that this size engined car is ok with 91w load rating.
    Sounds spot on - blimey, correct advice from Vx! As Astra20se said the 91W is within limits, but not by a huge amount so you may want to consider a slightly higher load rating. I think it's on the Signum you have to go for a higher load rating than 91 on the 3.0CDTi
    Quote Originally Posted by Robbie View Post
    Insurance - This will class as a modification and wanted an extra £30+ish (I did explain that the wheels were the same and the tyres were in the recommended spec by VX)
    Complete and utter cobblers!! It's not a modification at all - it's a tyre size listed in the handbook as being perfectly acceptable! Numpties.
    Quote Originally Posted by Robbie View Post
    It is Esure
    Ah, that explains it then!

    Whilst your dealer is doing a good price on the NCT5s, you'll have much more choice with the 225/45/17 option, and should be a bit cheaper as well.

  9. #9
    Full Member Big Sig's Avatar
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    Duncan, I checked my door axle weight plate and 91w are fine on mine, maybe its just the auto thats heavier? (mine are XL btw)
    Now I need a turbo to keep up!

  10. #10
    [Ex]Admin Duncan's Avatar
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    Ah, that could be it! I remember somebody having to have the higher rating on a 3.0 CDTi, could've been down to the auto box.

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