Not sure if I got that right, but if you are wondering whether you get a discount from your insurance company if you are running M+S tires in winter: No. But in germany, if you want to ride during the winter months you have to have M+S tires by law. So basically, if you aren't running M+S tires: A. If you are stopped in a traffic control, you'll have to pay a fine/might not even be allowed to ride any further and B. If you get involved in an accident, your insurance won't pay.