What is tyre insurance?
Because tyres are items that will wear out over time and use, you won’t be able to claim for new tyres on their insurance once they’ve run out of tread. However, you can use tyre insurance to mitigate the effects of unforeseen reasons, such as if you get a puncture or a vandal decides to slash your car’s tyres.
Much like alloy insurance, tyre insurance policies will typically have a low excess cost and should let you make multiple claims up to a pre-specified amount over the course of the cover period, which provides a bit of peace of mind on the off-chance you need to make more than one claim within a short timeframe.
With tyre insurance, there are also instances and scenarios that will or won’t be eligible for insurance cover. Below are examples of the sort of cover you will be able to expect from many tyre insurance providers.
What is included in tyre insurance?
- Accidental damage protection – if your car gets a puncture, you’ll be able to claim on the insurance to mitigate against the costs of buying a replacement tyre.
- Malicious damage protection – if your tyres are stolen or damaged in a criminal act, you will also be able to make a claim. Do bear in mind you may be required to provide a crime reference number when making a claim, so remember to also report the incident to the police.
- Multiple tyre repairs – depending on the terms and conditions of the policy, you will be able to repair or replace your car’s tyres multiple times if necessary. As a rule of thumb, tyre insurance providers typically allow you to make a few claims per calendar year.
- Additional tyre repairs – while this can vary depending on the policy provider, the costs for other fixes may also be included. These can include replacement tyre valves and wheel rebalancing.
What is excluded from tyre insurance?
- Replacements for worn-out tyres – if your car doesn’t have much tread left on its tyres, you won’t be able to claim on the insurance for a replacement set. This also applies if your car’s tyres don’t meet the minimum tread depth of 1.6mm
- Aftermarket tyres – if the tyres on the car aren’t to the same or similar specification to the ones it originally came with, you may be ineligible for an insurance claim.
- Cosmetic damage – if the car’s tyres are marked or aren’t affected by any defects that would cause it to fail an MOT test, you likely wouldn’t be able to make an insurance claim for them.
You can buy tyre insurance here simply using the code JUNETYR for a 5% saving
