gardx tyre/alloy protection

G_M

Anyone got experience of claiming and whether they reject claims?


I'd never buy this but got it thrown in with my car purchase. Now wondering if it's worth claiming.


I scraped the curb and scratched the alloys. Does this count as 'Accidental Damage' ('sudden and unforseen damage'), or would it be excluded under "improper use of your vehicle" or some other catch-all exclusion?

AdrianC

You'd like to think that kerbing an alloy would be firmly "accidental damage" under a policy that covers wheels and tyres.

I'd have thought "improper use" would be off-roading or deliberately driving over kerbs.

droopsnoot

If you've already got the cover, what do you have to lose by sticking a claim in to test the water? If they reject it, at least you know it's probably not worth renewing it, and if they pay out, great.

System

G_M wrote: »

I scraped the curb and scratched the alloys. Does this count as 'Accidental Damage' ('sudden and unforseen damage'), or would it be excluded under "improper use of your vehicle" or some other catch-all exclusion?

Well my car is on 143,000 miles and none of them have any scraping or scratches on them, just signs of corrosion through age. I've never curbed or scratched alloys in over 3 decades of motoring so I would say that it is a consequence of riding the kerbs because you can't judge the width of your car or park properly, aka improper use of the vehicle. However if this is insurance to cover your alloys then as AdrianC says you may as well make a claim and see what happens. I would point out though that if there's an excess and the damage is only confined to say the nearside front alloy you may want to see what the cost of replacing it is first as it may be cheaper than the excess.

Arklight

Tarambor wrote: »

Well my car is on 143,000 miles and none of them have any scraping or scratches on them, just signs of corrosion through age. I've never curbed or scratched alloys in over 3 decades of motoring so I would say that it is a consequence of riding the kerbs because you can't judge the width of your car or park properly, aka improper use of the vehicle. However if this is insurance to cover your alloys then as AdrianC says you may as well make a claim and see what happens. I would point out though that if there's an excess and the damage is only confined to say the nearside front alloy you may want to see what the cost of replacing it is first as it may be cheaper than the excess.

Most unhelpful.

DoaM

Arklight wrote: »

Most unhelpful.

Please stop trolling ... the post you quoted WAS helpful.