What is Tyre Insurance?
Unfortunately, car tyres can be extremely susceptible to damage and, whether this damage is caused accidentally when driving on a damaged road, when driving over debris, or even as a result of malicious vandalism, tyres can prove expensive to repair or replace. Tyre insurance can help by providing for the repair or replacement of damaged or punctured tyres (normalwear and tear excluded).
Tyre Covers
• Repair & replacement of damaged or punctured tyres
• “Run flat tyres” are covered which are generally an exclusion due to costly repair/replacement
• Covers 2 damaged tyres per year
• 4 claims permitted during the period of insurance
Tyre Damage Cover Available As £200 & £250 Tyre Damage Cover£200 Tyre Damage Cover
This Policy is designed to cover the cost of Tyre repair and/or replacement following accidental or malicious damage, including punctures, during the Period of Insurance. For, example, if Your Insured Vehicle Tyre suffers a puncture and the Tyre is unable to be repaired this Policy will cover the cost of the Tyre being replaced up to a maximum £200*.
Benefits and Significant Features
• The Insurer will cover the Cost of Repairs of the Tyre's fitted to Your Insured Vehicle in the event that the Tyre’s sustain accidental and/or malicious damage.
• The Insurer will cover the Cost of Replacements up to a maximum £200 per Tyre (inclusive of VAT) up to a maximum 2 Tyre’s per year and up to a maximum aggregate 4 Tyre’s during the Period of Insurance.
£250 Tyre Damage Cover
This Policy is designed to cover the cost of Tyre repair and/or replacement following accidental or malicious damage, including punctures, during the Period of Insurance.
For example, if Your Insured Vehicle Tyre suffers a puncture and the Tyre is unable to be repaired this Policy will cover the cost of the Tyre being replaced up to a maximum £250*.
Benefits and Significant Features
• The Insurer will cover the Cost of Repairs of the Tyre’s fitted to Your Insured Vehicle in the event that the Tyre’s sustain accidental and/or malicious damage.
• The Insurer will cover the Cost of Replacements up to a maximum £250 per Tyre (inclusive of VAT) up to a maximum 2 Tyre’s per year and up to a maximum aggregate 4 Tyre’s during the Period of Insurance.
Tyre Damage Cover Eligibility
You will be eligible for this Policy provided:
• You are purchasing a purchasing a vehicle less than five year old.
• The vehicle must be maintained and operated in accordance with the manufacturers recommendations.
• The vehicle must not be used for hire or reward.
• The vehicle must be registered in the Geographical Limits.
Period of Insurance
The Period of Insurance is for a 24 or 36 month period (dependent on the policy taken) or until the Maximum Aggregate Cost of Replacements has been reached, whichever occurs first.
Significant and Unusual Exclusions
• Vehicles over five years old or vehicles which have travelled over 100,000 miles. (or 50,000 if a motorcycle) at the Start Date of the Policy (Definition Eligible Vehicle).
• Wear and tear of Tyres.
• Maximum 2 Tyre’s per year and up to a maximum aggregate 4 Tyre’s during the Period of Insurance.
• Damage caused by using the Tyre at the incorrect pressure.
• Vehicles not serviced in line with the manufacturers servicing schedule.
• Loss or damage caused by a road traffic accident, fire or theft.
• Tyres which are below the legal limit when the incident occurs.
• Tyres that do not carry the European E mark.
• Certain makes and models of vehicles.
A full list of Exclusions are given in the Policy Terms and Conditions available from Sturgess.
