mmm... tyre insurance - BMW 3-Series (E90 E92) Forum

BGM · 01-28-2013, 06:24 PM

got my new car and everything yeah.. getting gap cover tomorrow £205 for 4 years @ £20k seems reasonable, but toying with tyre insurance too..

i know this is a contentous subject.. what do people think, should i bother?

looking at £319 for 3 years... tyres average out @ £185 per corner.

i've had 1 puncture ever in 10 years of driving... probably due a few

E92Dan · 01-28-2013, 06:39 PM

Think I remember reading that on average you will get 1 puncture for every 100,000 miles that you drive

mob17 · 01-28-2013, 06:52 PM

I've had 2 punctures in 45k miles

E92Dan · 01-28-2013, 06:57 PM

Your safe for a while then

)

mob17 · 01-28-2013, 07:25 PM

Quote:

Originally Posted by E92Dan

Your safe for a while then

)

Lol i hope so. Just got my 335 so hopefully i'll get less in my first 45k!

OP, i got tyre insurance as i have had a few punctures, and i was going from 17s to 19s, so i thought it might be useful. But i'm probably an anomaly and if you don't get many punctures then i'd leave it.

mtr123 · 01-28-2013, 07:52 PM

i've had four in the past 12 months

been one of them years though haha

parapaul · 01-28-2013, 08:38 PM

Presumably there's no way they'd pay out for worn tyres?

I mean, it would be a crying shame if, by chance, you happened to get a nail in one tyre just as it needed replacing anyway, thereby halving the cost of your new pair of tyres...

AlwynMike · 01-29-2013, 05:17 AM

Quote:

Originally Posted by parapaul

Presumably there's no way they'd pay out for worn tyres?

I mean, it would be a crying shame if, by chance, you happened to get a nail in one tyre just as it needed replacing anyway, thereby halving the cost of your new pair of tyres...

Surely, you can't be suggesting . . . . . . .

And yes, as long as the tyre is legal, you get a brand new replacement. At no (further) cost.

According to the Sales person at Rybrook, that is just what some people do - put a nail in the tyre as it's approaching the limit. BMW knows it happens, and according to said Salesman, they make a loss on each policy they sell, particularly with RFT's and 19's (which are dearer to insure anyway).

I didn't take out the insurance on my previous E91, having only had one puncture in 30 years or so. 3 months into ownership and I burst 2 RFT's in a pothole. 20:20 hindsight says I should have taken it out!
Hence, with this one, I have taken the plunge. After all, at BMW prices, one puncture and it's almost paid for itself, never mind the tyre wear. Over 4 years, with interest free payments over the year - no-brainer as far as I'm concerned.

Now, where's that nail box . . . .?

Sytner's and Cooper's don't offer it for some reason.
Rybrook was happy to take my money (!), even though I didn't get the car from them.

Mike

zltm089 · 01-29-2013, 08:36 AM

If it's from a company called Auto Protect ....avoid at all cost...

They try to use every small print to not pay for a claim!

Full BMW service history, maximum of 4 tyres per year , i think....and it has to be on different corners each time....LOTS OF B0LLOCKS!....

zltm089 · 01-29-2013, 08:39 AM

And yeah, if you're getting it anyways....I wouldn't feel bad at all for driving on a nail and get a brand new tyre!!....these blood c0cksucking vampire thieving cants... fcuk them....

enuff of all that ...ohh if you do this, everyones premium will increase!....these basterds are robbing us anyway!!...i say....fcuk them!

BGM · 01-29-2013, 08:52 AM

did a bit of research on tyre insurance and tbh they are just loss leaders anyway, if the insurers carried these to solely make a profit tyre insurance wouldn't exist any more at it certainly isn't a profitable business!

xPETEZx · 01-29-2013, 09:37 AM

I am surprised you can insure tyres.
It seems far too easy to just put a nail in it and get a replacement.
How would they ever know? And even if they knew, how could they prove it?

coopersim · 01-29-2013, 09:49 AM

I paid for 2 years and claimed once, it just paid for itself, good..... insurance... I guess?!

mob17 · 01-29-2013, 10:18 AM

Would it be a bit obvious if you drove over 2 nails which punctured 2 tyres?

coopersim · 01-29-2013, 11:22 AM

Quote:

Originally Posted by mob17

Would it be a bit obvious if you drove over 2 nails which punctured 2 tyres?

Maybe leave it a couple of weeks between claims

mob17 · 01-29-2013, 01:14 PM

Quote:

Originally Posted by coopersim

Maybe leave it a couple of weeks between claims

Lol

One thing i do want to ask is that the salesmen at the BMW AUC dealership said the insurance covers non RFTs too if you have them. Is this true? I believed him at the time....

Rob318 · 01-29-2013, 01:48 PM

I took it. But, negotiate a discount. I paid about £200 for it - My rear tyres are £350 quid a pop so it's worth the extra money to have a bit of security against having to pay that!

coopersim · 01-29-2013, 03:01 PM

Quote:

Originally Posted by mob17

Lol

One thing i do want to ask is that the salesmen at the BMW AUC dealership said the insurance covers non RFTs too if you have them. Is this true? I believed him at the time....

I would imagine so, as all they do is change the tyre for a new one - there's no repairs going on, just brand new, nail free rubber

I got an insurance document with mine, maybe have a read over the T&C's? I think I still have mine if you need me to check

Rob318 · 01-29-2013, 03:05 PM

Quote:

Originally Posted by coopersim

I would imagine so, as all they do is change the tyre for a new one - there's no repairs going on, just brand new, nail free rubber

I got an insurance document with mine, maybe have a read over the T&C's? I think I still have mine if you need me to check

Wrong. They can try to repair them now, both run flat or not. there are some rules around this, but it's not a gratis free tyre regardless.

coopersim · 01-29-2013, 03:06 PM

Bummer, must have changed then

Mine was deffo new tyre, no repairs. After all, what if you've driven more than 50 miles on a flat? (RFT)

mob17 · 01-29-2013, 03:10 PM

Quote:

Originally Posted by coopersim

I would imagine so, as all they do is change the tyre for a new one - there's no repairs going on, just brand new, nail free rubber

I got an insurance document with mine, maybe have a read over the T&C's? I think I still have mine if you need me to check

Yeah guess i need to read through mine but i'm not too sure where it is

Rob318 · 01-29-2013, 03:18 PM

Quote:

Originally Posted by coopersim

Bummer, must have changed then

Mine was deffo new tyre, no repairs. After all, what if you've driven more than 50 miles on a flat? (RFT)

Tell them that and you might get one. I'm not sure how they'd prove you otherwise

01-28-2013, 06:24 PM	#1
BGM Colonel Drives: F21 118d M Sport Join Date: Oct 2009 Location: Farnborough, UK Posts: 2,272 iTrader: (0)	mmm... tyre insurance got my new car and everything yeah.. getting gap cover tomorrow £205 for 4 years @ £20k seems reasonable, but toying with tyre insurance too.. i know this is a contentous subject.. what do people think, should i bother? looking at £319 for 3 years... tyres average out @ £185 per corner. i've had 1 puncture ever in 10 years of driving... probably due a few __________________ Now: F21 118d M Sport Gone: E92 325d M Sport
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01-28-2013, 06:52 PM	#3
mob17 Lieutenant Colonel Drives: E92 335D SE Join Date: Mar 2012 Location: Northampton, UK Posts: 1,926 iTrader: (2)	I've had 2 punctures in 45k miles __________________ 2008 E92 335D SE 2010 E90 320D SE 1994 E36 318I SE 1996 E36 316I SE

01-28-2013, 06:57 PM	#4
E92Dan Second Lieutenant Drives: 330d Join Date: Jul 2012 Location: northampton Posts: 281 iTrader: (0)	Your safe for a while then)

01-28-2013, 08:38 PM	#7
parapaul Lieutenant Colonel Drives: E91 330d M Sport Join Date: May 2010 Location: Stoke on Trent Posts: 1,952 iTrader: (1) Garage List 2007 E91 330D MSport [0.00]	Presumably there's no way they'd pay out for worn tyres? I mean, it would be a crying shame if, by chance, you happened to get a nail in one tyre just as it needed replacing anyway, thereby halving the cost of your new pair of tyres... __________________

01-29-2013, 08:36 AM	#9
zltm089 Major General Drives: 335i SE Coupe Space Grey Join Date: Nov 2008 Location: LONDON Posts: 6,469 iTrader: (0) Garage List 2006 BMW 335i [5.00]	If it's from a company called Auto Protect ....avoid at all cost... They try to use every small print to not pay for a claim! Full BMW service history, maximum of 4 tyres per year , i think....and it has to be on different corners each time....LOTS OF B0LLOCKS!.... __________________ Current Car: E92 335i SE Dream Cars: AMG SL65 Black,GallardoSuperleggera, GTR 2012, Agera R, F430 Scuderia, DBS, EVO X FQ400, Lexus LFA, F10 M5, e92 M3, GT3 RS4.0, Ferrari 458, Ferrari F12, R8 V10 plus, Jaguar F Type V8, Lamborghini LP700-4 Aventador, Chevrolet Camaro ZL1, C63 AMG Coupe Black, Vanquish 2012.

01-28-2013, 06:39 PM	#2
E92Dan Second Lieutenant Drives: 330d Join Date: Jul 2012 Location: northampton Posts: 281 iTrader: (0)	Think I remember reading that on average you will get 1 puncture for every 100,000 miles that you drive

01-28-2013, 07:52 PM	#6
mtr123 Private Drives: e90 320d le-mans blue Join Date: Nov 2012 Location: cheshire Posts: 90 iTrader: (1)	i've had four in the past 12 months been one of them years though haha

01-29-2013, 08:39 AM	#10
zltm089 Major General Drives: 335i SE Coupe Space Grey Join Date: Nov 2008 Location: LONDON Posts: 6,469 iTrader: (0) Garage List 2006 BMW 335i [5.00]	And yeah, if you're getting it anyways....I wouldn't feel bad at all for driving on a nail and get a brand new tyre!!....these blood c0cksucking vampire thieving cants... fcuk them.... enuff of all that ...ohh if you do this, everyones premium will increase!....these basterds are robbing us anyway!!...i say....fcuk them! __________________ Current Car: E92 335i SE Dream Cars: AMG SL65 Black,GallardoSuperleggera, GTR 2012, Agera R, F430 Scuderia, DBS, EVO X FQ400, Lexus LFA, F10 M5, e92 M3, GT3 RS4.0, Ferrari 458, Ferrari F12, R8 V10 plus, Jaguar F Type V8, Lamborghini LP700-4 Aventador, Chevrolet Camaro ZL1, C63 AMG Coupe Black, Vanquish 2012.

01-29-2013, 08:52 AM	#11
BGM Colonel Drives: F21 118d M Sport Join Date: Oct 2009 Location: Farnborough, UK Posts: 2,272 iTrader: (0)	did a bit of research on tyre insurance and tbh they are just loss leaders anyway, if the insurers carried these to solely make a profit tyre insurance wouldn't exist any more at it certainly isn't a profitable business! __________________ Now: F21 118d M Sport Gone: E92 325d M Sport

01-29-2013, 09:37 AM	#12
xPETEZx First Lieutenant Drives: BMW 325i SE 6MT (E90 LCI) Join Date: Oct 2012 Location: London Posts: 343 iTrader: (0)	I am surprised you can insure tyres. It seems far too easy to just put a nail in it and get a replacement. How would they ever know? And even if they knew, how could they prove it?

01-29-2013, 09:49 AM	#13
coopersim Captain Drives: VW Lupo Join Date: Apr 2009 Location: Berks Posts: 771 iTrader: (2)	I paid for 2 years and claimed once, it just paid for itself, good..... insurance... I guess?!

01-29-2013, 10:18 AM	#14
mob17 Lieutenant Colonel Drives: E92 335D SE Join Date: Mar 2012 Location: Northampton, UK Posts: 1,926 iTrader: (2)	Would it be a bit obvious if you drove over 2 nails which punctured 2 tyres? __________________ 2008 E92 335D SE 2010 E90 320D SE 1994 E36 318I SE 1996 E36 316I SE

01-29-2013, 01:48 PM	#17
Rob318 Private Drives: E92 318i Join Date: Jun 2012 Location: Scotland Posts: 95 iTrader: (0)	I took it. But, negotiate a discount. I paid about £200 for it - My rear tyres are £350 quid a pop so it's worth the extra money to have a bit of security against having to pay that!

01-29-2013, 03:06 PM	#20
coopersim Captain Drives: VW Lupo Join Date: Apr 2009 Location: Berks Posts: 771 iTrader: (2)	Bummer, must have changed then Mine was deffo new tyre, no repairs. After all, what if you've driven more than 50 miles on a flat? (RFT)

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