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Speed rating Tyres


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11 hours ago, duncan said:

My insurance company agreed in writing that T would be acceptable with good quality tyres, after a discussion with the underwriters.  I am not insured for track use, don't drive the car hard & no intention of autobahn high speeds.  I note Stuart's comments, as the underwriters advised me to inspect the tyres periodically (as we should anyway) in case there was torque ware.

That bit about the underwriters comment would be enough to put me off as theyre leaving themselves a get out avenue.

Stuart.

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My insurance company agreed in writing that T would be acceptable with good quality tyres, after a discussion with the underwriters.  I am not insured for track use, don't drive the car hard & no intention of autobahn high speeds.  I note Stuart's comments, as the underwriters advised me to inspect the tyres periodically (as we should anyway) in case there was torque ware.

Your insurers maybe but what about, should the worst happen, the other party that were injured involving you? Surely they would seek to not only seek recompense from your insurers but they might also seek to instigate prosecuting you for having a vehicle that in their view, was not fitted with the specified tyres? Whilst you may not be out of pocket insurance wise, when you're "gripping the bar", do you think anyone else would care to stand alongside you?

Yes, I know all doom and despair could be levelled at me but I've been involved with PLI policies and just to give an example, I used to install overhead cables and once whilst off sick, I actually read the small print. The policy excluded aerials.  You'd think this related to bits of aluminium on your chimney for TV reception as I did, but on hearing a retired electrician refer to overhead spans of cable as aerials, I decided to ask my insurer. They said that "aerials" includes the work I was doing. So I was very lucky nothing actually happened during the previous three years I'd been putting cable between poles!

Regards

Bill 

 

 

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When I got my CP Pi in 1972 it had done 16k and still had it's original Dunlop SP Sport 165/15/HR tyres. I still have the original on the spare (albeit just for show not go). In later years my tyre fitter (a well know TR specialist) asked me if I intended to exceed 113mph, I said of course not, so they fitted Michelin SR rated tyres, and I was soon put right on this forum by the mods about the legality issue! So I got it fitted last year with Tubeless (on sealed rim wire wheels) Dunlop Sport Classic 165 HR rated ones that cost £545. Peace of mind is everything especially with a 50+ year old car!

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On 4/20/2021 at 7:08 PM, Bill944T said:

Your insurers maybe but what about, should the worst happen, the other party that were injured involving you? Surely they would seek to not only seek recompense from your insurers but they might also seek to instigate prosecuting you for having a vehicle that in their view, was not fitted with the specified tyres? Whilst you may not be out of pocket insurance wise, when you're "gripping the bar", do you think anyone else would care to stand alongside you?

All this talk about insurers and ifs and buts sounds like scaremongering to me. Has anybody, or does anybody know of anybody, who has ever been involved in an incident where the speed rating of their tyres ever come into part of a dispute? Or has anybody ever been driving their car in a normal manner when they have suffered an incident that they suspect was caused by the lack of having 'H' rated tyres? 

I see in the TR Action mag we have a regular two page spread from Pete Barrett our own TR Register Manager called Pete says. Perhaps Pete would like to put his take on things? I for one would be interested in hearing what 'Pete says' on this matter 

Richard

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2 hours ago, Richmac said:

All this talk about insurers and ifs and buts sounds like scaremongering to me. Has anybody, or does anybody know of anybody, who has ever been involved in an incident where the speed rating of their tyres ever come into part of a dispute? Or has anybody ever been driving their car in a normal manner when they have suffered an incident that they suspect was caused by the lack of having 'H' rated tyres? 

I see in the TR Action mag we have a regular two page spread from Pete Barrett our own TR Register Manager called Pete says. Perhaps Pete would like to put his take on things? I for one would be interested in hearing what 'Pete says' on this matter 

Richard

I have to agree with you. I've refrained from commenting because this seems to be a UK matter. In Australia I've never heard of an insurance claim being disallowed because the speed rating of the tyres was too low. Australian car insurance policies say a vehicle must be maintained in a roadworthy condition. With national maximum speed limits of 110 kmh max, I suspect any insurer trying to void a claim because the car wasn't fitted with say 210 kmh, H rated tyres would be laughed out of court.

The reason I fit Pirelli P7's with a V rating is because high tyre speed ratings generally mean high quality tyres with good high speed handling-  a matter which has nothing to do with my insurance company.

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You can do whatever you feel like with regards to tyres, I fit proper speed rated tyres to mine and my customers cars then I dont worry.

Stuart.

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On 4/22/2021 at 9:01 PM, Richmac said:

All this talk about insurers and ifs and buts sounds like scaremongering to me. Has anybody, or does anybody know of anybody, who has ever been involved in an incident where the speed rating of their tyres ever come into part of a dispute? Or has anybody ever been driving their car in a normal manner when they have suffered an incident that they suspect was caused by the lack of having 'H' rated tyres? 

I see in the TR Action mag we have a regular two page spread from Pete Barrett our own TR Register Manager called Pete says. Perhaps Pete would like to put his take on things? I for one would be interested in hearing what 'Pete says' on this matter 

Richard

Just to clarify Pete Barrett TR Register Insurance manager 

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