tyre insurance - what a waste of money!

M

mrklaw

Member
When I bought my Z4 just over a year ago, I took out tyre insurance just in case.

Yesterday I got a 'puncture' warning on the dash so crawled home and checked pressures all around. The passenger rear was at 34psi instead of the usual 40. Pumped it up last night and checked it again this morning - 35psi. So decided not to drive it into work and instead took it round to kwik fit, as they are listed as an approved centre in the policy (I suppose it just means they have an account with them). They had a good look but couldn't see any obvious physical damage. checked the valves, nothing. Rims in good condition. But they did say it was losing pressure. So they recommended changing it.

Rang the tyre insurance company (car care plan) but they weren't interested because there was no visible damage to the tyre. So I was stuck. I can't just put it back on my car - its not safe. But because it isn't visible damage, they won't authorise the claim. They don't care that kwik fit recommended it being changed - so much for an 'expert' evaluation. :headbang:

blooming stupid if you ask me. Why should I need to be jumping through hoops and proving its knackered - isn't that what kwik fit are supposed to do? So now I'm £230 out of pocket and have a huge tyre in my boot

rounds off a crappy week with my car. Not speaking to it this weekend, that'll teach it.
 
£230 for tyre insurance...Ouch. Doesn't the policy also state "maximum two replacements' or some such?

Did Kwik Fit immerse it in water to look for an air leak?
 
the tyre insurance was more than £230. Thats how much the replacement tyre cost.

they did immerse it and checked the valve etc, found nothing. Wondering if it had already deflated to 35psi that stopped the leak? Don't know if thats even possible
 
If a wheel has a leak, the rate of leakage will slow as the pressure in the tyre drops.

Not only could it have been damage to the tyre, malfunction of the valve (no longer sealing) but it could also be that your alloy has had it. The alloy could be cracked or corroded at some point, especially inbetween the split rim, to allow air out.
 
40 psi ??? Way too much, you must be bouncing all over the place ...
 
2.3 bar on fronts 2.6 on rear on 19s that's what they should be at. My mate is manager at my local kwikfit and mine seem to have a couple of punctures. Funny that a they were getting near 3mm :!: :wink:
Insurance nearer £500 but top price for rears is £378-£398 each before discount :thumbsdown:
So two rear punctures in a couple of years more than pays for insurance :driving:
 
My tyre insurance was £250 for up to 5 tyres over 2 years, but I only had two before the policy expired.

One was 3 weeks after I bought the car and was a 19" rear PS2 I had on the CSL wheels and was close to £280 fitted.

The 2nd was just before the policy expired and was a standard 18" ///M rear.
 
Is vandalism not excluded then? Would be surprised if that was covered.
 
Zed_Steve said:
So the cost of tyre insurance is that of one, or maybe two tyres?? Whats the point? :?
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Depends on the cost of the tyre, and how much you pay for the policy in the first place - and adding £200-£300 onto a finance agreement for a £48k car will only add about £1/month

If you do lots of miles the risk might outweigh the cost. If you only do 3,000 miles a year then it might seem a silly expenditure.
 
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