[zltm089]

I bought a Runflat Tyre Insurance policy when I bought the car from the dealer.

The Tyre insurance company is called Auto Protect and they are based in
Cambridge House, Cambridge Road
Harlow, Essex, CM20 2EQ, UK.


I recently had a puncture in my rear tyre (driver's side), the punctured tyre was newish with 6mm 7mm 6mm tread left.

The bloody insurance company rejected the claim because in the terms and conditions it says "one claim per tyre"

It also says that I can claim up to a maximum of 5 claims per year.


I claimed 3 times so far and have followed all the procedures etc....

ALL my tyres have been/ are newish and well above the legal limit....( so not like i'm stickin nails when my tyres need replacing!!!)

The insurance company is using this clause of "one claim per tyre" to reject my claim, because they are saying that I already claimed a rear tyre (driver's side) in May this year, which I did. But the same tyre got a puncture!!!

I asked them why does it say " maximum of 5 claims per year" and the d*ckhead said that the fifth tyre is the spare wheel!!!!!!.....I was like, its a BMW with runflat!!! it doesn't have any spare tyre!!!....



I'm posting this on all car forums I'm a member of and have already contacted consumer direct....


Any advice from my peeps here?


I hate these fcukin insurance companies.....ALWAYS AN EXCUSE TO REJECT A CLAIM.....


To all PLEASE BEWARE of AUTO PROTECT Cambridge House, Cambridge Road
Harlow, Essex, CM20 2EQ, UK

[RagingKileak]

Good call, they sound like wankers...

Still, you have had an awful lot of punctures!!

Matt

[rogerxp]

That's what happens when you 'nail' it everywhere...

[zltm089]

Originally Posted by RagingKileak

Good call, they sound like wankers...

Still, you have had an awful lot of punctures!!

Matt

Its really bad....when it hits you....it all comes at once!!!

had the car for nearly 2 years, in the first year....didn't have a single puncture!...and spent £900 on a full set of runflat tyres!!!

and out of a sudden within the last 6-8 months had 3 punctures!!!....

[rsmallwo]

Originally Posted by zltm089

Its really bad....when it hits you....it all comes at once!!!

had the car for nearly 2 years, in the first year....didn't have a single puncture!...and spent £900 on a full set of runflat tyres!!!

and out of a sudden within the last 6-8 months had 3 punctures!!!....

Bin the runflats, buy some falken-452 rubber that's cheap but good. If it gets punctured you have a better chance of repairing it and even if not, its 50% of the cost of a runflat so you can afford to buy a replacment yourself.

Get them Runflat's Binned.

Do it NOW!!

[DavS1]

I didnt bother taking the tyre insurance, call me cynical but I didnt trust it as far as I could throw it!



To everyone binning runflats - i've read both good and bad about doing so, however whats the score when you get a puncture with no spare wheel? do the bennefits of fiting non RFT really outweigh the hassle of not having them when you need them?


Personally i'll be keeping my runflats, I've never drove the car without but I think it drives and handles fine how it is, and i'd hate to get a flat and be stuck somewhere or risk damaging my wheels!

[toxicnerve]

Originally Posted by DavS1

To everyone binning runflats - i've read both good and bad about doing so, however whats the score when you get a puncture with no spare wheel? do the bennefits of fiting non RFT really outweigh the hassle of not having them when you need them?

You just get a can of tyre weld and a 12V compressor.

For longer journeys take a space saver spare...

[DavS1]

Sometimes the tyre can't be repaired with tyre weld though, i.e. if your at speed on the m/way and by the time you stop the sidewalls toast, tyre weld just won't fix it.

[quattrogmbh]

How would they know you hadn't rotated your tyres?

But I agree with other posters. Insurance is legalised theft in this country. Quite happily take your money, but then a battle for the consume to gain any recompense from a claim.

The government obviously realise this as they want their cut of the action through the insurance premium tax.

[chris_s1]

Surely "one claim per tyre" means exactly that - not one claim per corner.

The tyre you claimed on previously is gone, you are now claiming on a new, different tyre.

[zltm089]

Originally Posted by quattrogmbh

How would they know you hadn't rotated your tyres?

But I agree with other posters. Insurance is legalised theft in this country. Quite happily take your money, but then a battle for the consume to gain any recompense from a claim.

The government obviously realise this as they want their cut of the action through the insurance premium tax.

I should have rotated the tyres!!! should i have known about that ridiculous stupid clause....i would have done so...

really, if i want to get them...

i could "switch" the wheels....rear driver's side (punctured) to the left and vice versa....

but i'm not that type of person....

plus, i already got it repaired at the local garage...


BUT I WILL TAKE IT FURTHER WITH THE FSA AND OMBUDSMAN....

u can't have a clause stating 5 tyres maximum claim and start messing about with that "1 claim per tyre" crap....

[kaishang]

+1
+1
and
+1

on all three paragraphs.

Additionally, every puncture I've ever had has been a nail or screw in the main tread. Provided you don't let your RFT go to zero pressure and load up the sidewall, then you can repair the puncture like any other tubeless tyre puncture.

Originally Posted by DavS1

I didnt bother taking the tyre insurance, call me cynical but I didnt trust it as far as I could throw it!



To everyone binning runflats - i've read both good and bad about doing so, however whats the score when you get a puncture with no spare wheel? do the bennefits of fiting non RFT really outweigh the hassle of not having them when you need them?


Personally i'll be keeping my runflats, I've never drove the car without but I think it drives and handles fine how it is, and i'd hate to get a flat and be stuck somewhere or risk damaging my wheels!

[zltm089]

Originally Posted by chris_s1

Surely "one claim per tyre" means exactly that - not one claim per corner.

The tyre you claimed on previously is gone, you are now claiming on a new, different tyre.

THANK GOD!!!!


Thats my understanding aswell!!!!

[Jeff123]

Many cars now don'[t have a spare wheel - but don't have RFT's. A prime example being a courtesy car that the wafe had - a Ford C Max. Just a Continental mobility kit in the boot.

People are being brainwashed by BMW.

[DavS1]

Kaishang, I was meaning if you were running non-rft's and you had a puncture.

One puncture I had was when a rear wheel slipped off a ledge on the road due to some stupid woman having no spacial awareness, nicked the inside sidewall and I didnt know til I was on a main road where I couldnt stop and when I had the chance to turn to go back, by the time I got back to where i'd came as the sidewall was soft the tyre was now fubar as I HAD to drive on it.

[kaishang]

Yes, that was what I meant too.

[DavS1]

Ah, My mistake, this confused me as it sounded like you were reffering to the scenario with RFT's and not non RFT's

Originally Posted by kaishang

Provided you don't let your RFT go to zero pressure and load up the sidewall, then you can repair the puncture like any other tubeless tyre puncture.

[wza]

I have just taken out this type of cover when I got my 335i Coupe AUC just over a week ago. It is a different company that underwrite the policy, but essentially the same thing. I can cancel and get refund as within 14 days. Cost £299 for 3 years of cover. My thinking was, as long as I get 2 new tyres, it will pay for its self. Do you think I should cancel it? Loving my new car by the way, has filled the hole in my life left by the sale of my old 350z.

[zltm089]

You have to make sure you read ALL the small prints...

That clause of 1 claim per tyre is a real bit&ch....

keep a good service history (book stamped etc) and any invoices....

make sure ALL your tyres are above 3mm to be on the safe side...

[Burton]

slightly off topic, but related to changing out RFTs.

I have searched and read various comments about RFT vs non RFT and some even suggesting that non RFT will void BMW warranty.

Is there any evidence or has anyone had any issues with BMW warranty and non RFTs?

Back on topic. This whole tyre insurance thing certainly looks a bit dubious.

[rsmallwo]

Originally Posted by Burton

slightly off topic, but related to changing out RFTs.

I have searched and read various comments about RFT vs non RFT and some even suggesting that non RFT will void BMW warranty.

Is there any evidence or has anyone had any issues with BMW warranty and non RFTs?

Back on topic. This whole tyre insurance thing certainly looks a bit dubious.

The M3's are sold with non-runflat tyres as standard. This topic has been debated zillions of times.

1) Normal tyres (refered to as non-runflat) will NOT invalidate your cars warranty.

2) Many people have had the likes of BMW/AA/RAC rescue them if a tyreweld repair isn't sufficient to fix their blown tyre. They take you to a tyre shop which might actually stock "Normal tyres" whereas runflat's will need ordering in

3) Due to the 50% cost of normal tyres, it doesn't matter if your tyre becomes toast, its a reasonable cost to buy another one.

4) The only negitive affect of Normal tyres is not quite as crisp turn in due to the softer tyrewall, this is however balanced with a better ride and much better handling over typical UK road surfaces.

Aren't some new Beemers offered without runflats now? (over an above the normal "M" car exclusion)

[doughboy]

Yes, in fact all ES models come with regular tyres as standard.

RFTs are actually a no-cost non deletable option on all other models.

And BMW UKs own advice to dealers is to help source and fit non rfts to owners who complain about ride etc.