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

Quentin

nobbysn*ts wrote: »

... 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.......

As posted, most policies exclude damage to tyres.

nobbysn*ts

Quentin wrote: »

As posted, most policies exclude damage to tyres.

Your quote buttons broken, it missed this bit " Or if you hit a large pothole, they will replace the wheel, tyre, and any suspension damage, they won't exclude the tyre then. "

Quentin

nobbysn*ts wrote: »

Your quote buttons broken, it missed this bit " Or if you hit a large pothole, they will replace the wheel, tyre, and any suspension damage, they won't exclude the tyre then. "

As posted damage to tyres ( including " bursts") is excluded in most policies.

nobbysn*ts

Quentin wrote: »

As posted damage to tyres ( including " bursts") is excluded in most policies.

Specifically damage to tyres. So they don't pay for a puncture. But equally, neither do they reduce the claim by the value of the damaged tyres for other accidents if a tyre is damaged. So in tis case, there is a good chance the car will be repaired back to it's pre accident condition, and not returned on a rim.

eviebea

nobbysn*ts wrote: »

and not returned on a rim.

Really hope not as I got the recovery service to put on my nearly new spare...

But seriously, I appreciate your thoughts, and will report back on the outcome just for your info / satisfaction.

Quentin

eviebea wrote: »

.....will report back on the outcome just for your info / satisfaction.

You can check for any tyre damage exclusions in your policy.

In the section covering damage to your car there should be a list of excluded types of damage

eviebea

Quentin wrote: »

You can check for any tyre damage exclusions in your policy.

In the section covering damage to your car there should be a list of excluded types of damage

Have checked, there is, I always presumed they would not cover cost of tyre but will report back with outcome.

eviebea

For info. the outcome was that all the damage covered by the burst tyre was covered by my insurance (less my excess of course). Replacement tyre was not.

When I phoned to make a claim, the initial and fairly immediate response was that a burst tyre was not covered by insurance (and neither was the related damage).

I asked a second time stressing it was the damage I was wishing to claim for, person asked if I would like her to double check with a colleague, my answer was 'yes please'. Outcome was then it was covered, but not the tyre.

It definitely pays to ask for advice first and so be confident enough to be a bit more insistent if you do not get the answer you want first time.

forgotmyname

How much has that claim impacted your premium though? You need to declare it for upto 5 years.