Please note that this Commitment only applies to cars used for personal use that are insured under a private or personal use car insurance policy.

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1 WINTER TYRES THE MOTOR INSURANCE COMMITMENT Motor insurers recognise that some motorists may wish to fit winter tyres to their car during cold weather. Motor insurers recognise that, whilst no substitute for common sense driving, winter tyres can have a positive impact on improving road safety. In the past there has been some uncertainty for insured customers about the insurance premium implications of fitting winter tyres to their cars. To assist in reducing this potential uncertainty, the ABI has produced the Commitment set out below which sets out the position of those named motor insurers in respect of the impact on the insurance premiums of their insured customers if a customer wishes to fit winter tyres to their car. As can be seen, often motor insurers will not charge an additional premium when their insured customers use winter tyres, that they meet, and are fitted in accordance with, the vehicle manufacturers specifications and are in a roadworthy condition. However, some motor insurers may require you to contact them to let them know if you do choose to fit winter tyres. The name of your insurer and their contact information can be found on your insurance policy documentation (summary details are below). It is important to remember that sometimes your motor insurer may be different from the company that sold you your insurance policy. Please note that this Commitment only applies to cars used for personal use that are insured under a private or personal use car insurance policy. The commitment of insurers: The insurers named below do not require the payment of any additional premium if customers decide to fit winter tyres to their cars, that the tyres meet, and are fitted in accordance with, the relevant vehicle manufacturers specifications and are in a roadworthy condition whilst in use. Insurer Do customers need to inform the insurer when fitting winter tyres to their cars? Does the fitting of winter tyres affect the amount to customers? Contact details 1st Central ABC Acromas Company Ltd Admiral Adrian Flux Advantage 1 vember 2016 Page 1 of 7

2 Company Limited (Gibraltar) Age UK Ageas Ltd Aioi Nissay Dowa Allianz Allianz (rthern Ireland) Allianz (ex NI) Amlin (UK) plc Aviva AXA As per policy documentation (varies by distribution channel) Bell Canopius ( that they adhere to the stated commitment that tyres are fitted to the manufacturer s instructions and are in a roadworthy condition) Chaucer Direct Chaucer Churchill The fitting of winter tyres vember 2016 Page 2 of 7

3 Citroen The fitting of winter tyres Collingwood Company Ltd Co-op : Car Co-op : Ecoinsurance Co-op : Young Driver, the winter no greater size value than the tyres/wheels being replaced, the winter no greater size or value than the tyres/wheels being replaced, the winter no greater size or value than the tyres/wheels being replaced, the winter no greater size or value than the tyres/wheels being replaced Cornish Mutual Coveá Diamond Direct Line The fitting of winter tyres. Drive Smart change to cover ecar Yes, by phone or enquiries@ecarinsura nce.co.uk Echoice Elephant Enterprise - Unless the dimensions of the tyres, the winter Refer to Insurer via there 1 vember 2016 Page 3 of 7

4 fitted do not meet the manufacturer's standard specification no greater size value than the tyres/wheels being replaced Broker, who can refer to the insurer via com ERS Esure Car First Alternative Car Phone: (0345) 603 Phone: (0345) 603 General Motors (Vauxhall & Chevrolet) Go Girl change to cover Groupama s Highway Hiscox Company Horizon Company Limited the winter tyres/wheels match the sizes fitted by the vehicle manufacturer as either standard fitment or as an optional extra. the winter tyres/wheels match the sizes fitted by the vehicle manufacturer as either standard fitment or as an optional extra. Customers who wish to contact Horizon can call Customer Service on Insure2Drive change to cover KGM/Canopius ( they adhere to the stated commitment & tyres are fitted to the manufacturer s instructions & are in a roadworthy condition) 1 vember 2016 Page 4 of 7

5 Lexus Motor LV = Markerstudy Natwest The fitting of winter tyres / NFU Mutual Peugeot The fitting of winter tyres Premier Ltd. Privilege The fitting of winter tyres Prudential The fitting of winter tyres QBE RBS The fitting of winter tyres Royal London The fitting of winter tyres RSA (MORE TH>N and MORE TH>N Business) Sabre Co Ltd change to cover Sainsbury s Car (underwritten 1 vember 2016 Phone: (0345) 603 Page 5 of 7

6 by esure insurance up to ) Sainsbury s Car (underwritten by UK from ) The fitting of winter tyres Phone: Service Shearwater Sheilas' Wheels Car Southern Rock Phone: (0345) 603 Yes, by phone or . referrals@sricl.com Phone: Swiftcover Yes As per policy documentation (varies by distribution channel) Tesco Limited (for Tesco Car policies underwritten by Tesco Limited) Toyota Motor UKI The fitting of winter tyres Contact details can be found via the intermediary 1 vember 2016 Page 6 of 7

7 USAA Limited Zenith Zurich Car Solutions Zurich Car (Direct) Zurich Car Solutions (Broker) Zurich Commercial 1 vember 2016 Page 7 of 7