Why Is Tyre Insurance Important?
“Finding yourself in a situation where one or more of your car tyres are flat can lead most of us to have a panic-attack on the spot. We now have the hassle of either manually replacing the tyre ourselves, calling our insurers to do so – and still explaining to our bosses why we’re unfashionably late to the 08:00 meeting.
Taking out tyre insurance on your wheels can be more than just a savvy “failsafe”, it has many other benefits too!”
Benefits of Tyre Insurance
- Flat Tyres Are Commonplace
If you’ve never had a flat tyre that needed to be replaced, count yourself lucky. Statistically, the average person will experience about 5 flat tyres in their lifetime. The culprits of flats are often nails or screws, but tyres can also be blown out by other road debris or even potholes. Some drivers have sustained flat tyres from things you would never expect, like allen wrenches, pieces of wood, and even keys. Rims are exposed to damage from debris and potholes as well, and driving over kerbs can also damage rims.
- Parts Are Expensive to Replace
People often mistakenly believe that because they bought comprehensive insurance, their tyres and rims are automatically covered. This is rarely the case, though–a lesson that many car owners have learned the hard way. Considering that with parts and labour, a tyre replacement can cost in the region of R2 000.00 – R8 000.00 (or sometimes even more), tyre and rim insurance is a good investment. It may not pay off right away, but eventually you will be glad you have it when you see the bill for the replacement.
- Consider this: How Will You Get Around?
While you can still drive from place to place when you have been in a minor accident like a fender-bender, a blown tyre or badly damaged rim will put your car out of commission while it’s being fixed. So if you find yourself in a spot where you can’t afford the replacement cost, you’ll have to rely on friends or public transportation to get around, which can be quite inconvenient. However, if you have tyre and rim insurance, you don’t have to worry about coming up with the money for that unexpected bill to get your car back on the road.
- It’s Plain and Simple Cover
Tyre and rim insurance is fairly straightforward and is easier to understand than comprehensive insurance. Typical tyre and rim insurance plans offer cover for anywhere from 1-3 years. Companies may also have different levels of cover, with the better plans offering services like towing to the nearest repair shop, no excess on claims, or emergency accommodation if you’re far away from your home.
What Is Excluded in Tyre and Rim Insurance?
You should be aware that tyre and rim insurance usually won’t cover certain tyre and rim damage that is the result of things like vehicle collisions, negligence (failing to check tyre pressure, below a certain tread depth, etc.), or tyre modifications. There are usually other exceptions as well, so make sure to read your policy to find out what exactly is and isn’t covered.”