Tyre insurance was worth it this time

[anonymous-user]

So, I had a tyre on my car on 18 August, odometer reading 19950

Last night odometer reading 22242, in the flood, ice and other inclement conditions just about 200m from home, I hit a pot hole and ripped a chunk of the sidewall out, ruining the tyre.

The tyre cost £261.50 and, as part of the haggle around the total deal, I included the fitting company's accidental damage insurance.

I phoned them up today and they are ordering a new one in to fit for me on Monday. No charge for the tyre, just £7 for the valve, balancing and fitting and a %age based on the wear it has already (I reckon its down from 7 to 6).

And, if I want insurance again this time, I will have to pay. It is £7.50. I think I will be taking them up on that.

Edited by anonymous-user on Saturday 1st December 09:22

[Jimshorts]

I've always dismissed this stuff as a tax on the stupid and the tyre shop wringing a bit of extra margin out of the deal. Pleasedit worked out for you.

[anonymous-user]

Jimshorts said:

I've always dismissed this stuff as a tax on the stupid and the tyre shop wringing a bit of extra margin out of the deal. Pleasedit worked out for you.

I think generally that is the case but, certainly on top end tyres, its usually possible to get it included in part of the 'price match' negotiations

[RobCrezz]

Sounds like a worthwhile insurance if your tyres are that expensive!

[Chicane-UK]

Agreed - this sounds like something I'd fob off but at tyres costing that sort of money, it actually sounds like a bit of a bargain option.

[TwigtheWonderkid]

Mods...OP's post says he took out insurance, it was good value and they are paying the claim.

Please delete this inflammatory thread.

[Chicane-UK]

TwigtheWonderkid said:

Mods...OP's post says he took out insurance, it was good value and they are paying the claim.

Please delete this inflammatory thread.

They haven't fitted the tyre yet.. there's still plenty of time for some unforseen clause or attempt for the company to wriggle out of it

[TwigtheWonderkid]

Chicane-UK said:

TwigtheWonderkid said:

Mods...OP's post says he took out insurance, it was good value and they are paying the claim.

Please delete this inflammatory thread.

They haven't fitted the tyre yet.. there's still plenty of time for some unforseen clause or attempt for the company to wriggle out of it

Yes, you're quite right. Silly me. After all, they're all a bunch of robbing bandits who are quite happy to take your money but never pay out and it's all a scam and then there's the small print and by the time they deduct the excess and I bet the original tyre wasn't at the right pressure which is an exclusion plus there was a Y in the day which is another exclusion and it's legalised theft.

OP, please revert and tell us what excuse these insurance crooks used to no pay up. And none of your "they paid up no issues" nonsense.

[anonymous-user]

maybe they have a special depth gauge for measuring wear on tyres that are subject to a claim?

Sorry sir, we can't pay, that tyre is down to 6 microns tread depth

[Zwolf]

TwigtheWonderkid said:

Mods...OP's post says he took out insurance, it was good value and they are paying the claim.

Please delete this inflammatory thread.

I didn't know you could buy it on individual tyres when you replace them, but have been selling it for a while as part of a new car sale. With so many cars now running tyres that cost £2-300+ in the event of an unrepairable puncture or other damage, tyre insurance at around a similar rpice for a few years' cover does seem to make sense to a lot of people and we've also had people make claims with no problems.

It's still all just an elaborate con though...

[Olivera]

What size/make/brand of tyre did you originally have fitted for £261? Without that information there is no way for us to gauge if your tyre insurance is actually cost effective.

[anonymous-user]

pirelli p zero 245/35ZR20 (95Y)

that is about the going rate I reckon

[McSam]

Apparently so, Camskill lists those at £220-255 a pop depending on the exact type.

I shudder to think of rubber that really does cost a grand a set.. I'll stick to my 205/55R16s!

[ging84]

when you're paying over £1k for a set of tyres £30 is not bad to insure them, but usually these costs are fixed and for a set of tyres £50 a wheel or less £7.50 is a bit steep given that by the time you get a puncture you might only get paid out £25 or less if it's half way worn down

[Zyp]

McSam said:

Apparently so, Camskill lists those at £220-255 a pop depending on the exact type.

I shudder to think of rubber that really does cost a grand a set.. I'll stick to my 205/55R16s!

Mines more like £1200 a set.
On 2 cars

But, not usually necessary to change all 4 at the same time, thankfully

[After_Shock]

Jimshorts said:

I've always dismissed this stuff as a tax on the stupid and the tyre shop wringing a bit of extra margin out of the deal. Pleasedit worked out for you.

Accidental nail in the sidewall is always handy with this type of insurance come to when the tyres got near ish 3mm left on it, ahem.

[McSam]

After_Shock said:

Jimshorts said:

I've always dismissed this stuff as a tax on the stupid and the tyre shop wringing a bit of extra margin out of the deal. Pleasedit worked out for you.

Accidental nail in the sidewall is always handy with this type of insurance come to when the tyres got near ish 3mm left on it, ahem.

Insurance fraud on a public forum?! What if someone quotes you and you can't remove it?!


Oops.


Terribly clever idea, though.

[RammyMP]

I got talked into the tyre insurance when I bought my 318d, cost £200, I had 3 tyres out of it at £280 each (run flats, they were punctured so you can't repair them). Money well spent!

[ging84]

After_Shock said:

Accidental nail in the sidewall is always handy with this type of insurance come to when the tyres got near ish 3mm left on it, ahem.

with the national tyres one you only get 20% of the value when they're down to 3mm, and i bet they round down, so if you are slightly below 3mm it counts as 2mm and you'd only get 5%, but you do get free fitting of the new tyre, but i can't see a legitimate accident resulting in a pair of tyres ending up with nails in the side-walls on the same day, especially one that happens regularly just before the tyres hit 3mm