Tyre Insurance from car2cover

"...When I had my car written off I claimed on my 'back to invoice' policy. The claim was easy to process and the full payment was made very speedily. Taking out the new policy was handled efficiently and with great care...Many Thanks" T Horner 27/11/11

Common Questions



  • My dealer has offered a Tyre Insurance policy, how does yours compare ?
      We compare Tyre Insurances policies for our customers regularly and so far, our policy is the best we know of within the dealer networks and from other on-line providers. If you are unsure in any way, call us on 0843 289 8318 and we will compare our policy with the one you have been offered. As far as we know there is no other insurance on the market that will provide all these features; up to 5 replacement tyres, up to £300 per tyre, 4 year cover option, no excess charged, no wear and tear deduction, cover extends to European travel, temporary winter tyres covered, £30 contribution to roadside assistance and a very simple and trouble free claim process.
  • Why are your prices so much lower than my dealer? What’s the catch?
      There is no catch. The difference is very simple for us to explain because we come from motor dealer backgrounds. A typical high volume motor dealer might sell 40 – 50 insurance policies per month, and to make that worthwhile they will want to make a substantial profit from every policy. As a national on-line broker with thousands of buyers visiting our web site every week, we are selling substantially more policies than dealers or even a dealer group. As such we are able to negotiate better policy prices and because we enjoy low overheads – we can accept a very small profit from each sale. If you have negotiated a good deal on the vehicle you are buying, why would you want to throw away that financial advantage by allowing the dealer to make hundreds of pounds out of your Tyre Insurance policy?
  • If I buy from you, how safe will my policy be?
      All brokers and insurers doing business in the UK are authorised by the Financial Services Authority. We, and our insurers are covered by the FSCS (Financial Services Compensation Scheme). Every 6 months the FSA check the financial status of brokers and insurers to make sure they meet their financial criteria.
  • What does 'claim limit' or 'cover level' mean?
      Most Tyre Insurances require you to choose a suitable level of cover for the risk you wish to cover. The ‘claim limit’ or ‘level of cover’ is the maximum the insurance will pay per claim. So, if you choose a £150 claim limit and your replacement tyre costs £160 – your insurance would pay £150 and you would be required to pay the £10 difference. On the other hand, if you choose a £300 claim limit and a replacement tyre costs £275 – you would not be required to pay anything at all. To get this right you need to have some idea how much a replacement tyre is likely to cost and choose your preferred claim limit accordingly.
  • Are the premiums you quote an annual payment or a one off cost for the full period?
      The premiums we quote are fully inclusive for the full period of cover you have chosen. They include Insurance Premium Tax and are not subject to VAT. We do not charge for taking payments by credit or debit cards, bank transfer or cheque.
  • I sometimes travel abroad, will your policies cover overseas travel?
      Yes, our insurers cover also applies to member countries of the European Community and any other country for which an International Green Card is effective on your vehicle, up to 60 days in any one trip. This feature is not available in most other Tyre Insurance policies, particularly those sold by motor dealers. Do check the detail.
  • When obtaining a quotation on your web site, I am asked to provide a ‘Vehicle Value’, what does this refer to?
      The ‘Vehicle Value’ is the on the road price you paid your dealer - after discount.
  • Can I extend or renew my Tyre Insurance later?
      You cannot extend a Tyre Insurance policy and a renewal will depend largely on whether the Tyre Insurance scheme remains financially viable for the insurer. Tyre Insurance is an extremely high claim rate – high-risk insurance and has been known to withdrawn for considerable periods before being re-introduced. Once a policy is purchased, the insurer will not withdraw it and cover will be provided, but at the end of the policy the insurer may not offer a renewal.
  • Where can I take my car to have the tyre repaired/replaced?
      The insurers claims handling team have account facilities at a number of tyre retailers and when you make a claim they will advise you of the nearest branch. If that branch is convenient for you, the retailer will send their invoice directly to the insurer and you will not be required to pay and claim a re-imbursement. If the nearest branch is not convenient, you may reasonably choose an alternative but you may be required to pay for the repair or replacement and send the receipt to the claims team for re-imbursement within 14 days.
  • Will the policy cover wear and tear?
      No! We plan and budget for worn tyre replacement. Tyre Insurance provides financial assistance for tyres damaged accidentally or maliciously.
  • Can policies be transferred?
      No! Our tyre policies are specific to the insured and the insured vehicle and cannot be transferred.
  • My car has expensive run flat low profile tyres. Would they be covered under your Tyre Insurance policy?
      Yes! If a run flat tyre deflates whilst being driven the tyre should be replaced. Run flat tyre and vehicle manufacturers do not recommend a puncture repair. Whenever you need a replacement tyre due to accidental or malicious damage – don’t reach for your credit card, reach for your tyre insurance policy!
  • Do you cover all makes and models of cars?
      No. Certain types and uses of vehicle are excluded from cover. Please see policy booklet for full terms and conditions and vehicle eligibility.
  • Can I make more than one claim on my Tyre Insurance policy ?
      Our Tyre Insurance policies will allow you to make up to five claims during the period of insurance. The maximum claim limit is £300 per tyre. Our Tyre Insurance policies are available for 1, 2, 3 and 4 year periods. You cannot make a claim within the first 28 days of purchasing the policy.

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