by Ambowelly » Mon Nov 12, 2012 10:17 pm
Having the wrong tyres will no more invalidate your insurance than having non-original equipment tyres fitted, unless any claim your or any third party make on your policy, can attribute the claim to your tyres.
As far as your insurance is concerned, you can fit wheel barrow wheels unless they cause an accident! However, the Road Traffic Act refers to the Construction and Use Regulations and they state that tyres must be 'appropriate'. That's appropriate load and speed rating as well as bieng appropriate for the road conditions. So if you venture out in the snow with 'summer' tyres, then you could be held accountable. Interestingly, your insurance policy will probably mention that your vehicle must be road legal, which means it must comply with the RTA and C&U however, this cannot solely be cause for them to wriggle out of a claim. For example, if you crash into a shopping centre the underwriters cannot invalidate the policy because your rear fog light was fitted too close to your brake light. It could turn to 'third party only' cover if you crashed into the shopping centre because your wheel barrow tyres exploded.