[xenon]

Originally Posted by doc_ab

Sorry mate this is not true. The FSA has a statutory duty to ensure that any insurance policy sold to an individual is suitable for that person. They also ensure that the terms and conditions are laid out clearly and are fair. They also ensure that claims are handled fairly, so the would give a shit as you so eloquently put it.

Whether the op has a valid claim against His insurance firm is of course another matter.

Fair enough. Write 'em a letter ztlm089 and post their reply, should you get one, up here.

[G82Dude]

Originally Posted by zltm089

BUT I WILL TAKE IT FURTHER WITH THE FSA AND OMBUDSMAN....

u can't have a clause stating 5 tyres maximum claim and start messing about with that "1 claim per tyre" crap....

Not sure the FSA will be interested to be honest; likewise an ombudsman. The FSA seldom get involved in this type of issue.

If their T&Cs were clearly indicated at the time the policy was purchased (and they haven't been changed after the event, without notification to you), they are simply acting in their best interests. Unfortunately, they don't align with yours.

And the 5 tyre maximum is simply their standard tyre policy where the majority of policy holders would normally have 5 tyres. It would seem "unreasonable" to limit it to 4, when most car users effectively have 5 tyres.

Good luck with your endeavours, but I don't think you are going to get far.

Buy a spare wheel/tyre and get them to fix it after the 12 months is up. Assuming you still have the policy then. Although they probably have a time clause too...

[zltm089]

Thanks for the comments guys...

will post any update i get...

[FPO]

Ive just bought this insurance from my dealer as BMW will not offer an E92 335d M-Sport without RFTs. However if I can get 4 tyres out of it then its well worth the cost of £299. I understand your concerns that you arent getting exactly what you paid for, however its certainly saved you a bundle already right?
Let us know how you get on with your investigation.

[zltm089]

Originally Posted by FPO

I understand your concerns that you arent getting exactly what you paid for, however its certainly saved you a bundle already right?
Let us know how you get on with your investigation.

NO!!1...maybe i'm not be clear...

what i'm not happy about is the terms and conditions that doesn't cover me when i get another puncture in the same corner/ "location" !!!

Yes I saved already but thats not the point....

[zltm089]

Originally Posted by FPO

I understand your concerns that you arent getting exactly what you paid for, however its certainly saved you a bundle already right?
Let us know how you get on with your investigation.

NO!!1...maybe i'm not being clear...

what i'm not happy about, is the terms and conditions that doesn't cover me when i get another puncture in the same corner/ "location" !!!

Yes I saved already but thats not the point....

[beemerbird]

Kevin, based on what you've written, my understanding is that 5 tyres would mean and include a spare tyre. Ignoring the fact that your car, my car, Porsches and various other cars no longer have spare wheels, some still do. The S5 still has a spare, albeit one of those narrow emergency jobbies.

Originally Posted by zltm089

I've just discovered in the General Exclusions section:

" Consequential damage is not covered by this policy. We will only pay for the costs of a puncture repair and not the costs of a replacement tyre. "

The way I read this is that any tyre previously damaged, faulty or punctured that required the replacement of a new tyre paid for by the insurance company, will not be covered by the costs of yet another replacement. Consequential damage meaning damage to a new tyre they have already paid out for. Whether that is applicable for the 24 month term of the policy I don't know.

Now, had you maybe taken the wheel with punctured tyre to the tyre place and known about the 'exclusions' within the insurance policy, you could have said it was the other side to the one you got in May, so when bloke at tyre place rings insurance company for authorisation to replace tyre, you're covered. Although you'd have to reckon on the bloke not noticing that the tyre is virtually new.........or bung him a fiver lol. We've all got a degree in hindsight though!!

In all honesty Kevin I think you'll maybe have to take this one on the chin as from what you've said, the insurance policy is like a ducks arse.........water tight. Least you're still in front overall.

Oh and next time make sure you haggle for FREE tyre insurance as part of the deal, can be done most times.

[zltm089]

Originally Posted by beemerbird

Now, had you maybe taken the wheel with punctured tyre to the tyre place and known about the 'exclusions' within the insurance policy, you could have said it was the other side to the one you got in May, so when bloke at tyre place rings insurance company for authorisation to replace tyre, you're covered. Although you'd have to reckon on the bloke not noticing that the tyre is virtually new.........or bung him a fiver lol. We've all got a degree in hindsight though!!

Thanks Helen....

Yeah, the terms and conditions are a real bitch in this one....(I should have read carefully!...)...but I still think, there not that fair....

and I should have switch the tyres over!....

[V88TAC]

how much did u pay for ur tyre insurance???

[zltm089]

£200 for 2 years