I have just informed my insurer (RAC Insurance) that I will be fitting my winter wheels and tyres on 1 November until end of March and they have charged me an additional £20 premium, with a £25 admin charge. Apparently there would be no charge if I was just changing the tyres. They will also re-assess the premium when I change back and although they said it might go down (if you believe that.......),they gave no guarantee that the premium would return to the same level as it was when I took it out and in fact could increase. Only bit of good news was that there will be no admin charge to change back! From now on I will check this out with any prospective insurer before accepting the quote and I don't think I will be staying with the RAC as with this added £45, there were cheaper options for the same cover. Anyone else experienced this or similar? Keith.