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Old 13.07.2018, 15:40
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Car insurance actually covers tyres!

Driving around the building site I like to call Zug, I heard a dull thud followed by a sound that made me think that something had broken.

Turns out that one of my tyres had ingested a bolt. Got home and started to order 4 new tyres! (Yes, apparently on BMW X Drive models, if you change one, you have to change all. There is a technical explanation, which sounds believable)

Mrs GB says, no, the insurance will pay. What?! Insurance doesn't cover tyres, surely?

Well it seems they do! (Mine anyway) They would, however, only cover 50%, as that is the amount of tread I had left, but fair is fair, I suppose.

Anyway, thought it a nice story to share, always check your policy, you may have more cover than you think.
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Old 13.07.2018, 15:52
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Re: Car insurance actually covers tyres!

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apparently on BMW X Drive models, if you change one, you have to change all. There is a technical explanation, which sounds believable
I call bullshit.

Tom
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Old 13.07.2018, 15:53
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Re: Car insurance actually covers tyres!

FECK!!!!!!

I also blew a tire in zug recently and it didn't even occur to me to try on the insurance whats even worse is the tire was only a couple months old and had only done a couple hundred km
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Old 13.07.2018, 16:19
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Re: Car insurance actually covers tyres!

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I call bullshit.

Tom
I'm no expert, but my understanding is this: The ECU controls the power going to each wheel through the differentials. If you have odd tyres (size will be different) then more power will be sent to particular wheels, causing additional strain and wear on the transmission.

Thanks YouTube!
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Old 13.07.2018, 16:21
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Re: Car insurance actually covers tyres!

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FECK!!!!!!

I also blew a tire in zug recently and it didn't even occur to me to try on the insurance whats even worse is the tire was only a couple months old and had only done a couple hundred km
I'm sending the Gemeinde the bolt, plus a request to pay the difference. As you can see, the bolt is big enough that the workers should have seen it!
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Old 13.07.2018, 16:53
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Re: Car insurance actually covers tyres!

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I'm no expert, but my understanding is this: The ECU controls the power going to each wheel through the differentials. If you have odd tyres (size will be different) then more power will be sent to particular wheels, causing additional strain and wear on the transmission.
Size difference won't be enough to matter, unless you don't buy the same size and make tire.

Tom
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Old 13.07.2018, 17:16
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Re: Car insurance actually covers tyres!

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Yes, apparently on BMW X Drive models, if you change one, you have to change all. There is a technical explanation, which sounds believable
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I call bullshit.

Tom
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I'm no expert, but my understanding is this: The ECU controls the power going to each wheel through the differentials. If you have odd tyres (size will be different) then more power will be sent to particular wheels, causing additional strain and wear on the transmission.
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Size difference won't be enough to matter, unless you don't buy the same size and make tire.

Tom
It's the same, i think, for pretty much all modern 4wd cars, the manufacturer will make such claims, and specifically that you may not have more worn tyres on the rear, which would then tend to over-rotate wrt the fronts.

Of course, if I've got two tyres more worn, from being in the front (on front-biased) systems, I will always do exactly what they say I shouldn't, to maximise tyre life for the set. Done something like 400000km in various 4wd road cars over the last twenty years or so and never had any problems.

So I agree with Tom, it's BS, unless there are massive differences.
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Old 13.07.2018, 17:25
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Re: Car insurance actually covers tyres!

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I call bullshit.

Tom
depends. some less performance oriented tyres have quite a big difference in rolling radius from new to legal limit. its possible it could generate more heat in the center diff.

i'd would always change as an axle pair anyway and probably change all 4 if one needed changing and they were 1/2 worn or more. depending on the usage sometimes tyres need changing long before they are worn out and keeping track of two sets of dates is more difficult.
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Old 13.07.2018, 17:28
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Re: Car insurance actually covers tyres!

i once had a rear puncture in namibia on gravel tyres and changed it, drove off for only 20 minutes and diff oil overheated due to other side being significantly more worn. luckily i had a diff oil temperature gauge!
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Old 13.07.2018, 19:05
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Re: Car insurance actually covers tyres!

Well, regardless of whether it's right or wrong, I have 4 new shiny tyres and they even cleaned the car. Result!


Another item of note. Car came with Dunlops that, with even half their life left, developed a horrible noise and vibration. Apparently due to 'feathering', where the tread blocks wear unevenly and become like saw teeth. This happened on the front only and the guy at BMW said I could live with it our replace them:



"All four?", "Yes, please, sir"


Replaced with Pirelli P Zero, which have been great...well apart from maybe trying to ingest bolts!
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Old 14.07.2018, 10:37
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Re: Car insurance actually covers tyres!

Could it not be patched?
Or is that too labor intensive these days?
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Old 22.09.2018, 01:25
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Re: Car insurance actually covers tyres!

Same thing!

I had a bolt in first 2 weeks of my 19 wheel sport performance mercedes GLA.

In Mercedes they wanted to replace 2 front tyres. This was in April 2017.

I patched in a tyre specialist shop in Zurich for 60 chf and 25 000 kms after and 18 months still rolling.
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Old 22.09.2018, 01:39
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Re: Car insurance actually covers tyres!

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Same thing!

I had a bolt in first 2 weeks of my 19 wheel sport performance mercedes GLA.
Talk about diff issues! It's hard enough dealing with four wheels, but 19...!
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Old 22.09.2018, 02:11
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Re: Car insurance actually covers tyres!

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Talk about diff issues! It's hard enough dealing with four wheels, but 19...!
You are not used to talk about wheels. 19 means 19 inches diameter
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Old 22.09.2018, 08:44
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Re: Car insurance actually covers tyres!

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You are not used to talk about wheels. 19 means 19 inches diameter
Whoosh.
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Old 22.09.2018, 09:30
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Re: Car insurance actually covers tyres!

Bet 100 to 1 that the tires taken off NickGBs car are still roaming around Zug on some other vehicle.


On top of that, If a Subaru driver would be told to replace all 4 tires, the mechanic would be lynched!

Last edited by robBob; 22.09.2018 at 10:00.
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