Tyre Insurance

[Nickgtr35]

I have been looking at Tyre insurance, Car2cover have offered a 2 year policy premium of £199 for run flats. This provides for 5 tyre claims at £300 max per claim over a 2 year cover period. If the original tyres wear out then the new tyres are also covered, if you make a claim then the new replacement tyre is also covered. Basically for £199 you get £1500 worth of cover. for example if the run flat is damaged by a nail or a screw or has side wall damage etc then the insurance company will contribute £300 towards the cost of a new tyre with no excess. Vandal damage is also covered.This looks like a good deal. Has anyone used car2cover or are there any suggestions or points to note? Thanks

[Adamantium]

How many punctures have you had in any one two year period?

In my case, I've had one puncture in 18 years of driving.

So spend a guaranteed £200 for the chance of saving £300 per puncture over two years?

Compare it to car insurance.

People whinge about £1000 policy but it gives me a chance of recovering 70 times my policy in one year.

I know the periods aren't the same but the value of motor insurance is orders of magnitude better.

I'd rather take my chances.

[Nickgtr35]

2 screws in the last 6 months over 4000 miles, guess thats bad luck, just wondering what the average GTR puncture rate might be

[manjit]

Always get a nail when the thred is dowm to arpund 2-3mm, no idea why

[fozi.g]

Originally Posted by manjit

Always get a nail when the thred is dowm to arpund 2-3mm, no idea why

i know what you mean.....wierd that

[SamboGrove]

Is each separate tyre a separate claim or say if some vandal did 2 tyres in at once is that one claim or two?

[fozi.g]

Originally Posted by SamboGrove

Is each separate tyre a separate claim or say if some vandal did 2 tyres in at once is that one claim or two?

from what i understand that would be one claim but they would only pay for a maximum of £300 per tyre towards it. and the whole policy is capped at £1500 or 5 tyres

[Adamantium]

do they replace both on an axle if one goes because of the potential damage to a diff?

[Nickgtr35]

Originally Posted by Adamantium

do they replace both on an axle if one goes because of the potential damage to a diff?

I don't know but doubt it! Do you know Nissan's policy? Reason for asking.....from new my car had done 2000 miles then got a puncture, the HPC fittet a new dunlop rear but did not advise to swop the other tyre which had done 2000 miles.Just wondering what Nissans's acceptable tyre wear variations are? And if HPC's advise customers?

[Guy]

Originally Posted by Adamantium

do they replace both on an axle if one goes because of the potential damage to a diff?

Tread-wear differences on the same axle won't damage any diffs, anymore than going round corners does, since both create different wheel speeds and that what a diff is there to deal with.

The main problem with tyre sizes is if you get a very substantial difference especially front/rear it confuses the 4wd computers. Tread wear differences on correct sizes would never create this problem, running non-matching tyre sizes front/rear has been found to do so.

[DWC]

Over 3 years 21000 miles and no punture. Not worth it. I generally swerve around any nails in the road

[Adamantium]

Originally Posted by Guy

Tread-wear differences on the same axle won't damage any diffs, anymore than going round corners does, since both create different wheel speeds and that what a diff is there to deal with.

The main problem with tyre sizes is if you get a very substantial difference especially front/rear it confuses the 4wd computers. Tread wear differences on correct sizes would never create this problem, running non-matching tyre sizes front/rear has been found to do so.

Guy,

When there is a speed difference between the two outputs of a diff it generates more heat and wear in the transfer mechanism between the input and the two output half shafts.

Diffs are not usually designed to sustain this permanently and should get relief when travelling in the a straight line where the output rotations speeds are much closer to one another. If there is a circumference difference between wheels on the same axle, the diff will never get a break or a chance to shed some of the heat it is internally generating which will reduce its life.

The diff facilitates different rotation speeds but there is a wear cost associated with it. It will cope, but it won't last as long.

(Admittedly the reduction in life may be outside the working lifetime of the car anyway, but I didn't destruction test it, so I don't know!)