Beware of Tyre Insurance companies!!!

[spacegrey335]

Please read the following guys

I bought a Runflat Tyre Insurance policy when I bought the car from the dealer.

MOD NOTE:name removed

I recently had a puncture in my rear tyre (driver's side), the punctured tyre was newish with 6mm 7mm 6mm tread left.

The bloody insurance company rejected the claim because in the terms and conditions it says "one claim per tyre"

It also says that I can claim up to a maximum of 5 claims per year.


I claimed 3 times so far and have followed all the procedures etc....

ALL my tyres have been/ are newish and well above the legal limit....( so not like i'm stickin nails when my tyres need replacing!!!)

The insurance company is using this clause of "one claim per tyre" to reject my claim, because they are saying that I already claimed a rear tyre (driver's side) in May this year, which I did. But the same tyre got a puncture!!!

I asked them why does it say " maximum of 5 claims per year" and the d*ckhead said that the fifth tyre is the spare wheel!!!!!!.....I was like, its a BMW with runflat!!! it doesn't have any spare tyre!!!....



I'm posting this on all car forums I'm a member of and have already contacted consumer direct....


Any advice from my peeps here?


I hate these fkin insurance companies.....ALWAYS AN EXCUSE TO REJECT A CLAIM.....


To all PLEASE BEWARE of (MOD NOTE:name removed)

Edited by TonyHetherington on Monday 27th September 14:44

[balls-out]

Tyre insurance?
Perhaps you should insure yourself against too many insruance policies. Live life on the edge man, take a risk.

[hornetrider]

Any advice? Look out for rusty nails and rtfc?

[Dick_Phallus]

Tyre insurance is a waste of time? Well who'd a thunk it.

[chrisispringles]

Maybe you could have swapped the rear wheels around so it was on the passenger's side.

[Rawwr]

Want to buy some volcano insurance?

[Munter]

I'm missing something? You insured yourself against a single puncture per tyre. Which you then successfully claimed for. Yet when you went to claim for a 2nd puncture (something you'd not insured yourself for), and they rejected it, you feel hard done by?

[TonyHetherington]

Now, I actually went to edit your post because of our name and shame policy (I'm a moderator here). But what I found was that you said "warning; insurance company have done exactly what they said they would".



scrap that, I've removed it anyway. My point still stands though - the company have done nothing wrong.

Edited by TonyHetherington on Monday 27th September 14:45

[anonymous-user]

TonyHetherington said:

Now, I actually went to edit your post because of our name and shame policy (I'm a moderator here). But what I found was that you said "warning; insurance company have done exactly what they said they would".

I was just about to hit the report button as well I can't see what they have done wrong

[TomE]

Rawwr said:

Want to buy some volcano insurance?

Ha! Beat me to it! How about some handsome cream?

http://www.youtube.com/watch?v=v6KQhiiYTtA

[mnkiboy]

I think his point is that he's allowed 5 claims per year, but the insurance company are saying he can't report the same tyre twice. This is a bit daft, as his car only has 4 tyres.

[CraigyMc]

mnkiboy said:

I think his point is that he's allowed 5 claims per year, but the insurance company are saying he can't report the same tyre twice. This is a bit daft, as his car only has 4 tyres.

Plus, presumably, a spare. Which is where the 5 limit comes from.

Does OP work in a factory producing caltrops?

C

[Munter]

mnkiboy said:

I think his point is that he's allowed 5 claims per year, but the insurance company are saying he can't report the same tyre twice. This is a bit daft, as his car only has 4 tyres.

And what if his car had 3 wheels? Or 2 spares. It's a generic policy probably written by an accountant. Just because his car doesn't have 5 wheels doesn't make their "1 puncture repair per tyre" clause invalid.

[Stedman]

Rawwr said:

Want to buy some volcano insurance?

I'll sell you a BUTT SCRATCHAAAAAR

[smack]

On the said company's leaflet:

"Tyre Insurance

This insurance will refund the cost to the insured person of having to repair or replace a tyre or tyres that have suffered
Accidental/Malicious Damage or puncture during the period of insurance.
Repair/replacement up to £60.00 per tyre inc VAT as specified on the proposal form with the first £10.00 being paid by the customer.
Covers: Five tyres including the spare.
Eligibility: 12 months cover, 24 months cover or 36 months from date of purchase. The vehicle must be under 7 years old and covered
not more than 80,000 miles from the inception of insurance."

So they will cover some of the cost of a tyre.

But as the legal bods here always say, you started a contract with a company, and it is up to you to read and understand the fine print.

[hornetrider]

smack said:

Repair/replacement up to £60.00 per tyre inc VAT as specified on the proposal form with the first £10.00 being paid by the customer.

£60/tyre INC VAT?! What rft can you get for that?!

[DamienB]

You have to pay the first 10 quid of a repair? My local place repair punctures for 8 quid. Cracking insurance policy that!!

[mnkiboy]

£60 per tyre is ridiculous. I could understand it if you could claim £200 for your top of the range Michelin, but £60 (minus 10)!?

Be better off putting £2 in a jar every week.

[spacegrey335]

chrisispringles said:

Maybe you could have swapped the rear wheels around so it was on the passenger's side.

this is what i should have done!!!..

[TonyHetherington]

I quite agree - that doesn't sound like very good value!

I've just put 4 x £150/corner Pirellis on my car - so if I got an unfixable puncutre it would still cost me £100 anyway.