Advice needed - tyre blowout, is additional damage covered by insurance

eviebea

Would appreciate some advice.

I had a tyre puncture / blowout at speed on the motorway, happy to report I made it to the hard shoulder without hitting anyone else, but the shredded tyre has caused substantial damage to the wheel arch and surrounding area.

I have fully comp insurance, would this additional damage be covered by my insurance?

I appreciate it would cost me any excess, be an at fault accident, may affect my no claims.

For info, the tyres were in decent condition, not overly worn, though no formal inspection since I last had the car serviced.

chanz4

plastic inner arches, replacement wheel I wouldn't bother claiming

eviebea

chanz4 wrote: »

plastic inner arches, replacement wheel I wouldn't bother claiming

Neither would I if that was the extent of the damage and I would not be asking for advice.

Involves substantial damage requiring a visit to the bodyshop.

nobbysn*ts

To answer the uestion you asked, rather than trying to second guess you, yes the damage would be covered.

Quentin

eviebea wrote: »

I have fully comp insurance, would this additional damage be covered by my insurance?....

Yes

But check your policy wording (usually the damage to the tyre itself will be excluded from cover)

forgotmyname

How often do you check the tyre pressures?

Are your no claims protected? Potential loss of no claims and increased premiums for upto 5 years? How much damage is there?

Worth putting your hand in your pocket instead?

eviebea

Thanks nobbysn*ts & Quentin for that very helpful info.

And those questions from forgotmyname pinpoint what I am trying to weigh up costwise.

forgotmyname wrote: »

Are your no claims protected? Potential loss of no claims and increased premiums for upto 5 years? How much damage is there?

Worth putting your hand in your pocket instead?

Suspect I will need deep pockets even with paying for the unavoidable costs of a new tyre best price £110 and £150 excess, I suspect the rest will be an additional £600-£700 of damage vs a gamble of whether I would retain my (currently protected) no claims anyway.

Thanks again.

nobbysn*ts

Not entirely sure the tyre isn't covered. There is no way of proving it was the cause of failure. You could equally have has the blowout due to running over something in the road, so I would claim for the tyre as well.

Quentin

Do dummy quotes with and without the claim to see what difference it makes to the premium to help the decision.

If this is your first claim you will keep your protected ncd (one claim just means you lose a protected "life")

Quentin

nobbysn*ts wrote: »

Not entirely sure the tyre isn't covered. There is no way of proving it was the cause of failure. You could equally have has the blowout due to running over something in the road, so I would claim for the tyre as well.

As posted most policies exclude damage to tyres.

nobbysn*ts

Quentin wrote: »

As posted most policies exclude damage to tyres.

Only if the tyre is the only thing claimed for, due to accidental damage, or wear and tear. But not if it is part of a larger claim. Say your wheels and tyres are stolen, the insurer will replace all, not just the rims. Or if you hit a large pothole, they will replace the wheel, tyre, and any suspension damage, they won't exclude the tyre then.