did i hear right on the radio about some companies using them to get out paying claims etc ?
I contacted my insurance company and Adrian Flux replied saying I need to inform them that I'm using winter tyres, even though same alloy and tyre size!
Its just noted on the policy, no premium alteration.
I'm with AF, and that's all I had to do also!
You have to notify your insurer that you have put them on, especially if you down grade the speed rating one level from the car manufacturers spec, which you are allowed to do with winter tyres.
I'd imagine insurers use fitted winters as excuse not to pay out if you haven't told them they are fitted, like any modification!