Has your wheel/tyre insurance paid for itself?
My new Macan is about a month away, so I'm starting to look at possible insurance products. I'm usually tempted to self-insure unless it's compulsory, and I'm fairly careful with my cars. Also, my car will have surround view cameras so hopefully I can avoid kerbing it. But I'd be interested to hear if people who've had wheel/tyre insurance reckon they've got their money back.
Macan S collected 4 Dec 2017 - Jet Black, 20" SportDesign, Agate/Pebble, 18-way, Pano roof, Bi-Xenons with PDLS, Surround View, PASM, PS+, spare wheel, towbar.
2021 Audi TT Roadster Black Edition (hers)
2011 Freelander 2 (workhorse)
2021 Audi TT Roadster Black Edition (hers)
2011 Freelander 2 (workhorse)
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- Posts: 2522
- Joined: Thu Jul 28, 2016 8:38 pm
I have my Tyre and wheel insurance from OPC at £399 for 3 years with an excellent policy.
At that cost it was a no brainier but to be honest I hope I’d not have to use it and so far so good.
I also have surround cams and it does make it a lot easier but to be honest I was more interested in the tyre cover as 1 tyre is just over £300.
The best policy I would advise is a 3 or 5 year gap policy. Usually OPC don’t offer at good prices or even a decent claim policy. Again hope never have to use it but if you do then this will be worth the most by far. I have a 5 year policy allowing transfer to another car or refund if I want to cancel early so it’s a no brainier. 5 year policy at todays prices
Depending on your OPC will depend on what they offer.
At that cost it was a no brainier but to be honest I hope I’d not have to use it and so far so good.
I also have surround cams and it does make it a lot easier but to be honest I was more interested in the tyre cover as 1 tyre is just over £300.
The best policy I would advise is a 3 or 5 year gap policy. Usually OPC don’t offer at good prices or even a decent claim policy. Again hope never have to use it but if you do then this will be worth the most by far. I have a 5 year policy allowing transfer to another car or refund if I want to cancel early so it’s a no brainier. 5 year policy at todays prices
Depending on your OPC will depend on what they offer.
GTS
I tried everywhere to get wheel insurance for my 21" turbo wheels with no joy. As they're diamond cut most won't touch them
I know a few of the OPC's will cover them but Hatfield won't. I wish I had as I scuffed the NSR on that ridiculous spiral ramp at the Harlequin Centre in Watford. Won't be using that bastard place again. It's so narrow I've no clue how the Q7's of this world get up it.
BigPhil.
I know a few of the OPC's will cover them but Hatfield won't. I wish I had as I scuffed the NSR on that ridiculous spiral ramp at the Harlequin Centre in Watford. Won't be using that bastard place again. It's so narrow I've no clue how the Q7's of this world get up it.
BigPhil.
http://www.porsche-code.com/PH96VJA6
Definetly worth it, have 21" turbos not damaged any wheels but took out 3 tyres so certainly had my money back. Probably won't be offered to renew it
Previous Porsche’s
2008. 987 Boxster S Sport basalt
2012. 991 Carrera S aqua
2016. Macan Turbo volcano
2020. Macan GTS crayon (sold 04/24)
Awaiting delivery
2024. Macan GTS gentian. mid May https://configurator.porsche.com/porsche-code/PR8H7WC6
2008. 987 Boxster S Sport basalt
2012. 991 Carrera S aqua
2016. Macan Turbo volcano
2020. Macan GTS crayon (sold 04/24)
Awaiting delivery
2024. Macan GTS gentian. mid May https://configurator.porsche.com/porsche-code/PR8H7WC6
I paid £500 for a 3 year Wheel & Tyre policy with my OPC for my 21” Turbo wheels not had to use it yet thankfully but I believe it is worth it as you only really need one claim to pay for itself to me it’s like any insurance you hope you never need it but are thankful if you do
GTS Delivered April 2018
WWW.porsche-code.com/PJKSBKF1
WWW.porsche-code.com/PJKSBKF1
If you get enough answers to your survey, then surely the answer has to be 'no'!andreas wrote: ↑Tue Nov 07, 2017 5:41 pm My new Macan is about a month away, so I'm starting to look at possible insurance products. I'm usually tempted to self-insure unless it's compulsory, and I'm fairly careful with my cars. Also, my car will have surround view cameras so hopefully I can avoid kerbing it. But I'd be interested to hear if people who've had wheel/tyre insurance reckon they've got their money back.
My advice, stick with 'self-insurance' and continue to be careful, unless you are prepared to pay for 'peace of mind'
- MartinRS2K
- Posts: 135
- Joined: Fri Mar 31, 2017 10:15 pm
I have just taken out tyre insurance (21" Sport Classic wheels) at a cost of £6.99 per month with a claim amount of up to £300 per tyre claim with no excess and up to 5 tyres per year.
Macan GTS collected 28/10/17 - Carmine Red http://www.porsche-code.com/PJ4B4758
991.2 GT3 Touring collected 24/03/18 - Carrara White Metallic http://www.porsche-code.com/PJ9T3NA0
997.2 GT3RS 2010 - Carrara White with Riviera Blue Decals and Wheels (Only 7,000 miles from New)
991.2 GT3 Touring collected 24/03/18 - Carrara White Metallic http://www.porsche-code.com/PJ9T3NA0
997.2 GT3RS 2010 - Carrara White with Riviera Blue Decals and Wheels (Only 7,000 miles from New)
Like Guy, I self insure......taking my last 2 Macans....24 months 25000 miles I’ve paid £15 for a puncture repair.
The 3 years prior to that in a Yeti over 40000 miles.....nil cost.
Same period (5 years) but only 25000 miles, Mrs P has had 2 wheel refurbs @ £75 each
Like most insurance....expensive if you never have to use it, but good value if / when you do.
The 3 years prior to that in a Yeti over 40000 miles.....nil cost.
Same period (5 years) but only 25000 miles, Mrs P has had 2 wheel refurbs @ £75 each
Like most insurance....expensive if you never have to use it, but good value if / when you do.
1st Sapphire SD
2nd Sapphire GTS
viewtopic.php?f=23&t=4296
Current 992 S Cab
viewtopic.php?f=23&t=9845&p=196465#p196465
2nd Sapphire GTS
viewtopic.php?f=23&t=4296
Current 992 S Cab
viewtopic.php?f=23&t=9845&p=196465#p196465
Andreas, I don't take it out and look at it as £399 to spend on repairs and punctures. If after 3 years you haven't spent £399 you're a winner.
I damaged a rear wheel cost me £35 to repair. I use the same guy that JCT use. He came to my house and sorted it.
£364 left.
He told me jCT call it a smart repair and charge a bout £100 for it.
Regarding punctures Porsche give you the line that Z rated tyres can't be repaired. They can as long as the puncture is not on the shoulder or side wall of the tyre.
A local tyre fitter can repair a puncture for £15 - £20.
SP61GHT
I damaged a rear wheel cost me £35 to repair. I use the same guy that JCT use. He came to my house and sorted it.
£364 left.
He told me jCT call it a smart repair and charge a bout £100 for it.
Regarding punctures Porsche give you the line that Z rated tyres can't be repaired. They can as long as the puncture is not on the shoulder or side wall of the tyre.
A local tyre fitter can repair a puncture for £15 - £20.
SP61GHT
- Wing Commander
- Posts: 19923
- Joined: Tue Oct 06, 2015 5:43 pm
- Location: Wiltshire
All insurance is stacked in favour of the insurance company, a bit like the odds are stacked in favour of the house at the casino
If you can afford to pay for an 'event' (e.g. tyre repair, wheel refurb, new tyre etc) then the odds are that you will come out a winner, by not paying for insurance.
Obviously, those who make a sizeable claim (more than they have paid in premiums) are 'winners' but these will always be in the minority (otherwise the insurance company would go bust).
Comes down to one's attitude to risk. Looks like Paul, Guy, SP61GHT and I are gamblers.
If you can afford to pay for an 'event' (e.g. tyre repair, wheel refurb, new tyre etc) then the odds are that you will come out a winner, by not paying for insurance.
Obviously, those who make a sizeable claim (more than they have paid in premiums) are 'winners' but these will always be in the minority (otherwise the insurance company would go bust).
Comes down to one's attitude to risk. Looks like Paul, Guy, SP61GHT and I are gamblers.
Simon
Sold: 2016 Rhodium Silver Macan 2.0
Sold: 2013 Platinum Silver 911 (991.1) C2
Sold: 2017 Carmine Red Panamera 4
Mine: 991.2 Carrera T Racing Yellow 06/04/2018
Sold: 2016 Rhodium Silver Macan 2.0
Sold: 2013 Platinum Silver 911 (991.1) C2
Sold: 2017 Carmine Red Panamera 4
Mine: 991.2 Carrera T Racing Yellow 06/04/2018
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