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  • Summer tyres in the snow – will insurance pay?

    09.10.2024 | Simon Gantner, Sandra Biraghi
    Twice a year, the same question arises: change tyres or wait? Find out why the right tyres are also relevant for insurance issues and what you risk if you start skidding during a cold spell.
Sommerpneus im Winter

Summer tyres in the snow – will insurance pay?

09.10.2024 | Simon Gantner, Sandra Biraghi
Sommerpneus im Winter
Twice a year, the same question arises: change tyres or wait? Find out why the right tyres are also relevant for insurance issues and what you risk if you start skidding during a cold spell.

Rule of thumb "from October to Easter" – does this still apply?

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.

Change tyres when it gets cold 

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.

The tyre tread is also important 

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.

Sliding over the ice with summer tyres – will the insurance company pay? 

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.

Get a 15% discount for your car

Take advantage of a one-time 15% welcome discount on your first annual premium when you sign up online.

Good to know

What are all-season tyres really good for?

Changing tyres twice a year costs time and money. What if you could spare yourself that? This is exactly what all-season tyres promise – a mix of summer and winter tyres that mean you no longer have to visit your garage. According to TCS, all-season tyres are becoming increasingly popular. Especially in urban areas, where little to no snow falls. Just how safe is the convenient alternative?

The simple answer: with tyres that are designed for the respective season, you can drive more safely, because all-season tyres are always a compromise between good winter and summer characteristics. The all-rounders may not be perfect but they're not bad either.

For this reason, all-season tyres are a suitable alternative in moderate weather. If, on the other hand, it snows heavily or the asphalt is hot, their performance will be lower than that of all-season tyres. You can find out which all-season tyres the TCS classifies as "recommended" in the test.

What others wanted to know

Our customer advisors can provide answers to selected FAQs. Just tell us what you want to know. We will be happy to help you.

Sonja B. (35), Basel

Will the insurance company also pay if I have an accident on snowy roads while driving with all-season tyres?

Yes, all-season tyres are allowed, and the insurance company usually pays even in the event of an accident in winter, provided that the tyres are marked as suitable for winter and are in good condition.

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Cristina Rychen

Customer Advisor

Kevin K. (29), Weinfelden

Is there a winter tyre requirement in Switzerland?

No, there is no general winter tyre requirement in Switzerland. However, motorists must be in control of their vehicle at all times. This also encompasses having equipment that is adapted to the conditions – including tyres. We therefore recommend using winter tyres in winter conditions. In the event of an accident, driving with summer tyres or tyres with insufficient tread can be considered gross negligence. In this case, the liability insurance could make recourse claims. The comprehensive insurance company may refuse to pay.

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Patrick Rudin

Customer Advisor

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