QUOTE
M+S can be found on "Allseason" and Wintertyres.
@ Maisflocke:
Yes, M+S does mean exactly
mud and snow, not ice and cold! They are also sometimes known as "knobblies", or block treads, because of their tread form, which is specificall developed for loose surfaces. The profile of a proper M+S is developed
primarily for off-road use, and is not as stabile in cornering as a normal "road" profile", and your braking distance is also longer, due also to the relatve movement of the tread blocks. They also don't necessarily have the soft rubber needed for extra grip at low temperatures. They also wear out faster in road use than tyres designed specifically for road use. Added to that, M+S is not a regulated symbol, so the manufacturer can put it on any tyre he chooses, which is especially prevalent amongst lower price bracket tyres.
"All season" tyres are a bad solution. They are not as good as normal tyres in summer (especiall in rain, the braking distance is significantly longer than either summer or "proper" winter tyres) and not as good as winter tyres in winter conditions. Especially on ice, they are no better than normal summer tyres. Just because the have an "M+S" imprinted does not actually mean they will be significantly better that summer tyres in those conditions. In fact, some summer tyres are still better than "all seasons" tyres in many typical winter conditions.
The "snowflake" symbol means the tyre has a rubber compound adapted for low temperatures and additional sipes in the tread form, needed to provide maximum grip in icy conditions. These are tyres specifically developed for on-road winter use. Especially in those areas where snow is less prevalent, but ice is relatively common, these are the tyres you need.
If you read what I wrote, you will see that I did indicate that the problem is more likely to be the insurance companies. Up untill now, you could be given a "Mitschuld", be apportioned some of the blame in an accident, without winter tyres. This meant that, even if you were not directly to blame for the accident, you could be left carry a portion of the total damages.
BTW: Driving with winter tyres in summer can have similar consequences. A gutachter can say the same about winter tyres in summmer, as he can say about summer tyres in winter.
This change, however, allows the insurance companies to get out of gaol free. They can claim you were grossly negligent, and refuse to cover the material damages - they still have to cover third party injuries by law, but that won't stop them trying to get the money back from you personally after the fact.
@ Farlands:
Maybe your friendly beat copper next door would not give you a fine just for driving down the road with the "wrong" tyres on, but that looks different in court after an accident. That is the realm of the "Gutachter". When he states that your tyres were not suitable for the conditions, and the accident could have been avoided had you had suitable tyres on, the judge will judge against you. The insurance companies also base their decisions on these gutachters, and will decide against you too.
The regulation was intended to be introduced next March, so you can expect fines to be levied in roadside checks, and for "obstruction" when you get stuck, from next winter onwards. You might then "get away with" M+S, or "all season", but that little snow flake will save you from hassle all together.
At this point, I have to "out" myself and say that, after 25 years as a vehicle development engineer, including over 4 years researching traction systems and vehicle dynamics, I can assure you that the performance differences listed and the legal implications are based on fact.
There are any number of comparitive tests, by reputable independant organisations, tyre and vehicle manufacturers, which all prove this. All Gutachters will quote these as proof and state that, had you had proper winter tyres, the accident wouldn't have happened, or would have been less serious.
That said: I personally never had winter tyres before I came to Germany, even in snowy and hilly Scotland. Living in the Rheinland, the only time I have fitted any to one of my cars in the last 20 years was because my ex was driving it. Exactly because she is unsure as a driver, and was more likely to be involved in an accident.
I will, however, definitely have proper winter tyres fitted every winter from now on -- just because of how the change affects the insurance situation.