The rule of thumb for changing tyres in our part of the world is that winter tyres should be fitted from October to Easter. Winter tyres protect drivers from skidding on snow-covered or icy roads and reduce collisions with other vehicles. But this rule should be interpreted flexibly, because cold snaps are also possible after Easter, and anyone driving in the mountains should always pay attention to the weather conditions.
Summer tyres contain less natural rubber and become stiffer in colder conditions. They lose grip and can therefore spin when the car starts off or skid when braking. So it's advisable to switch to winter tyres when temperatures drop below 8°C – even if there's no snow. On snow-covered roads, the shallow tread pattern of summer tyres compacts the snow, making the roadway slicker and more dangerous. The deep tread grooves of winter tyres, on the other hand, absorb snow and mud and allow for improved traction. Bear this in mind when choosing the right type of tyres.
Check the tread depth. A depth of at least 1.6 mm is required by law, but it is recommended to replace winter tyres at 4 mm and summer tyres at 3 mm.
If you have not fitted suitable tyres in wintry road conditions and do not adapt your driving style, you may be accused of gross negligence. This may mean that the insurance company reduces or even refuses benefits.