Tyre damage insurance

[sparkythecat]

The 4 year old Audi A6 I bought 2 years ago was fitted with Barum Bravuris tyres, two of which were well worn. I was obliged to replace them a few months later, and whilst perhaps not ones first choice of tyre, they seemed OK to put on a cruising barge. Even so, in 255 x 19 x 35 guise, and some haggling they were £150 each at a national tyre chain. Knowing how easily one could ruin such tyres on a relatively minor pothole, I paid for accidental damage insurance.

Fast forward 18months and one of the tyres has a ruinous puncture that cannot be repaired. There is 4.5mm of tread still left on it, so according to the insurance blurb, I'm entitled to a 35% discount on the price of a replacement. Off I trot to the aforementioned tyre emporium
expecting to have to pay circa £100 for a new tyre.

"That will be £168 sir."
WTF !

Apparently, my 35% tyre discount entitlement is only off their 'Advertised retail price' of £240, which no-one ever pays, and not off any real price.

The tyre monkeys advice - Go home and order and pay for one online at tyreshopper.co.uk. Come back here with your receipt for £132 and I'll take one off the shelf here and fit it for you.

Now I know after sales product insurance is generally a money making scam, and I am old enough to know better, but did the s really have to rub my fking nose in it?

Edited by sparkythecat on Saturday 23 June 16:34

[shambolic]

Try £660 for two rears on my Z4! Then you can moan. Lol

[davepoth]

sparkythecat said:

Now I know after sales product insurance is generally a money making scam, and I am old enough to know better, but did the s really have to rub my fking nose in it?

Edited by sparkythecat on Saturday 23 June 16:34

The s who helpfully suggested how to get a 20% discount off the price that your rubbish (at your own admittance) insurance would give you? fking s indeed. It really fks me right off when tts are indecent enough to save me money. s.

[chriscpritchard]

davepoth said:

The s who helpfully suggested how to get a 20% discount off the price that your rubbish (at your own admittance) insurance would give you? fking s indeed. It really fks me right off when tts are indecent enough to save me money. s.

The fact that they took the premium to start with, then it turns out to be worth less than nothing...

[davepoth]

chriscpritchard said:

davepoth said:

The s who helpfully suggested how to get a 20% discount off the price that your rubbish (at your own admittance) insurance would give you? fking s indeed. It really fks me right off when tts are indecent enough to save me money. s.

The fact that they took the premium to start with, then it turns out to be worth less than nothing...

OP said:

Now I know after sales product insurance is generally a money making scam

So why didn't he read the small print?

[anonymous-user]

shambolic said:

Try £660 for two rears on my Z4! Then you can moan. Lol

The reason I took out tyre insurance for my Z4 that I purchased 4 weeks ago

[chriscpritchard]

davepoth said:

So why didn't he read the small print?

I don't know, and I disagree the OP's a bit silly, but the fact that the insurance is still sold is a bit douchebaggy!

[davepoth]

chriscpritchard said:

I don't know, and I disagree the OP's a bit silly, but the fact that the insurance is still sold is a bit douchebaggy!

I doubt the tyre fitter who is telling him how to save some money sold him the insurance though?

[sparkythecat]

davepoth said:

The s who helpfully suggested how to get a 20% discount off the price that your rubbish (at your own admittance) insurance would give you? fking s indeed. It really fks me right off when tts are indecent enough to save me money. s.

That'd be the same helpful that sold me £15 worth of useless insurance, then have me waste half a morning pissing about with receipts and driving hither and thither at his behest, when he could have easily sorted this out with a few keystrokes. Helpful my arse

[HBFS]

You should have read about the policy before buying it really. You won't be the only one though.

[sparkythecat]

davepoth said:

So why didn't he read the small print?

tyre insurance small print said:

the tyre will be replaced with a new tyre at the prevailing price minus an allowance based on the tread depth remaining on the damaged tyre.

My bold.

I'm struggling to find an irrefutable definition but this one seems reasonable

businessdictionary.com said:

Prevailing price that is established in the usual course of trade between buyers and sellers free to bargain, and which can be substantiated from sources independent of the manufacturer or the supplier.

It's crystal clear. Small print always is

Edited by sparkythecat on Saturday 23 June 17:56

[CoolHands]

Insurance is worthless shocker (not a go at the OP by the way).

It's why I always decline every and all offers of warrenty / insurance / paint protection / damage etc on any goods I buy. They're all worth st. The money you save in your lifetime by not buying these, pays for the rare occasion when you would potentially find them (if they paid out, which they don't) useful.

Any insurance I do need I buy independently (eg life insurance - don't buy it off the mortgage advisor etc)