My Jaguar dealer called today and said I was still eligible to purchase tire and wheel protection. It costs $600 for 3 years coverage and $700 for 5 years. It covers tire repair or replacement due to road hazard (nails, potholes, etc.) and wheel replacement if damaged beyond repair. replacement tires will be the manufacturer's original tires or comparable tires. Total benefits for the life of the policy is $5000.00.

I have never had this type coverage previously but these tires seem easily damaged especially from potholes. Does anyone have this coverage or would recommend it?

 

Couple of thoughts:

1) if they replace with same tire then I would skip. The Michelin PSS is a much better tire and I would hate to be wedded to the P Zero.

2) have you ever had much tire or wheel damage in the past? Do the math on the offer. Personally I have never had a puncture which could not be repaired with a plug and I have never damaged my wheels.

3) with wheel coverage if you get curb rash check if it is covered when you do the math. This could be worth it if you tend to accrue curb rash.

 

I didn't get it, but I've long considered wheel and tire protection to be about the only dealer offered add-on that's worth anything.

 

LM,

You have 20" wheels on your car, with such a low profile tire, one pot-hole and one or more wheels stand a great chance of being bent or cracked.

I always buy it for low profile expensive tires and the corresponding wheels. It's definitely worth it, and as Swajames said, it is the only dealer sold add-on I would purchase. It's almost paid for after 1 tire replacement, and replacement of your bent wheel, would be close to double your premium.

 

I purchased a similar wheel/tire protection policy when I bought my XKR. Claims for damaged tires are pretty straightforward. However wheel damage is a bit more tricky. I hit a curb by accident and ended up with a slightly bent rim. The policy wouldn't reimburse me because the wheel/tire were still holding air and structurally sound. Apparently to make good on getting a damaged wheel replaced you really have to mash it up bad. And, no, curb rash is not covered on my policy. You have to read the fine print.

Mike

 

Thanks, everyone.

No, I have never had tire or wheel damage that would be covered under the policy but we are getting some pretty bad potholes where I live (mostly from torrential rains) and one tire and wheel replacement alone would probably be more than the cost of the policy. Will think about this but right now I am leaning toward purchasing it.

 

+1

 

tire/wheel insurance is hit or miss. I've never bought them in the past, but wished I had them when I picked up the F-Type. 3 months into ownership I blew my right side tires and damaged one wheel avoiding some debris. total bill, $1300.

also, I'm **** so I would not patch punctured tires. they lose their speed rating and in case I decide to do any type of high speed spirited driving I don't want issues with my patched tires. so basically a puncture tire for me is $400.

 

It's nothing more than a gimmicky insurance policy, sold by the dealer and administrated through a 3rd party.

I tend to "self insure" on most things I could easily handle on my own.

I would never buy it, although it might make sense for some.

 

This is my 4th Jaguar with the 20 in wheels and I never had the insurance before and have hit a few big potholes and never had a problem with bent rims or flattened tires that could not be repaired.

I was talked into $1000 for 5 year protection at the sale finalization. After thinking about it I was going to cancel it, but after speaking to my service rep and her telling me of a couple of recent horror stories of bent rims, etc, I kept it.

Two months later I got a nail too close to the sidewall that could not be repaired. Since the factory tires don't have road hazard on them the insurance paid for the $450 tire replacement and labor. The other plus is that since I have this insurance when I need to replace the tires I will never have to get the new vendors road hazard coverage which I normally get.

It is the only insurance add on that I would consider. I guess it comes down to, "do you feel lucky?"

 

I agree. The prices for these policies are also set nationally. So basically customers in Atlanta end up subsidizing customers in New York.

I also self-insure. Quite frankly if I have to replace a wheel and tire in one month it's no sweat, and it would be the first time in over 17 years of driving in the USA.

 

How close to the wear indicators will they let you get before they will replace a non-repairable puncture? Also, if the wheel is damaged when the tyre deflates, how bad does the damage have to be before they replace it?

Now where did I put those 6" nails and the lump hammer...

 

I feel like i got ripped off. They asked me about tire and wheel protection right before I signed. Never bought it before so I didn't know the rates. I signed for something like $50/month from allstate. It's almost half of my monthly car insurance rate. Just for tires/wheels??? Not sure how to feel about it....19 inch wheels, northeast US

 

Do you have Gap Insurance in the North America and Australia?

Dealerships love to spring that on you when you come to collect the car and will pull out all the stops to sell it to you.

Typically, you can buy equivalent cover from a specialist insurer for less than 20% of what ther dealership offers.

 

Yes, we do, but that's for people who put down a relatively small down-payment and finance the rest. Since any car will depreciate by a variable multiple of thousands as soon as you drive it off the lot, if you total the car, insurance will only pay the then market value and you'll owe way more than your insurance settlement. The gap for some people can get quite large.

I've never bought it, so I don't even know how much it costs, and I think some finance companies may require it for minimum down payments.

 

Another brand tried it on me about 10 years ago, despite the fact that I was buying the car outright. Also, my insurers were offering new for old replacement for the first 12 months in the event of a total loss.

Sometimes, it's difficult to remain polite...

 

Yes, it is, but I find as I get older and dealing with high-end makes, dealers don't even try that kind of nonsense anymore, at least on me. On both my F-Type and my wife's Mercedes purchase a couple of weeks ago, the business manager said, "I'm pretty sure the only extra package you might be interested in is tire and wheel coverage, right?"

And yes, both he and she were . . .

 

I also made the decision to "self-insure" but only because the roads I typically use don't suffer from extreme potholes, albeit we do get them and I have plenty of friends here who also have low profile tires and big wheels and have suffered unrepairable damage. If I lived in a cold climate like many members here I'd definitely be interested in wheel and tire insurance.

Keep in mind almost all of the dealer insurances are price negotiable, especially the snake oil ones. No harm in pushing for a discount if the product on offer is something you might be interested in. I bought a car for my son last year, it's really a spare family car and one we'll keep for a while, and I was able to extend the warranty to 9 years for 40% of what my dealer was asking simply by going to another dealer for the insurance. I got a great price on the car for one dealer, and a great price on the extended warranty from another.

 

$50 a month is 1/2 your rate? Where do I sign up? My insurance is double that and I bought wheel and tire through the dealer; paid in full.

 

Wow, my F-Type rate is $402 every 6 months and that's for premium coverage including OEM replacement parts.