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17 January 2025 Car tyre insurance: what it is, prices in the UK, and advantages
It's important to keep your car tyres in good condition to ensure safety, performance and efficiency on the road. Well-maintained tyres improve grip, reduce stopping distances and improve fuel economy, helping you to avoid accidents and unnecessary costs. They last longer, save money and minimise environmental impact. Neglecting your tyres can lead to blowouts, uneven wear and poor handling. Consider tyre insurance as an extra layer of protection to cover unexpected damage and give you peace of mind on the road.
Tyre insurance – what is it?
Tyre insurance is a valuable product that provides comprehensive protection against unexpected damage to your vehicle's tyres or valves caused by common road hazards such as potholes, high kerbs or debris. Unlike a manufacturer's warranty, which typically excludes accidental damage, Tyre insurance covers the cost of repair or replacement, ensuring your vehicle remains safe and roadworthy.
This cover is particularly beneficial for drivers who frequently travel on poorly maintained roads or those with high-value or specialist tyres. By easing the financial burden of sudden tyre-related expenses, it provides peace of mind and enhances your safety on the road. Tyre insurance is a wise investment that not only protects your tyres but also helps you better manage the challenges of unpredictable driving conditions.
What does tyre insurance cover?
Tyre insurance is available for both new and used vehicles and protects against damage caused by road hazards such as glass, metal, potholes, debris, nails, punctures and more. It typically includes 100% cover for approved tyre and wheel damage, ensuring that the cost of repair or replacement is fully covered when damage is caused by such hazards.
Additional benefits often include coverage for valve damage, labour costs for tyre removal and replacement, and wheel balancing services. Some policies even cover multiple claims within a specified period, providing consistent protection against recurring incidents.
Tyre insurance is particularly beneficial for vehicles fitted with premium or special tyres, such as low-profile or Run-Flat tyres, which can be costly to replace. By minimising unexpected costs, it ensures your vehicle remains safe and roadworthy without financial stress.
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What isn't covered?
General wear and tear is not covered by tyre insurance and policies often have exclusions based on the age and condition of the tyres. Typically, the vehicle must be less than 10 years old and have less than 70,000 miles on the clock. Tyres must also meet a minimum tread depth requirement, usually 2.5mm or more, to qualify for coverage.
Other exclusions may include damage caused by neglect, improper maintenance or misuse, such as overloading or racing. Cosmetic damage to the tyre, such as scuffs or scratches that do not affect performance, is also generally excluded. Damage caused by intentional acts or pre-existing problems at the time of purchase is also not covered. Always check the terms and conditions to understand specific limitations and conditions.
How to get tyre insurance
Getting tyre insurance is a straightforward process. Start by checking with your vehicle dealership, tyre retailers, or your existing car insurance provider, as many offer this as an add-on or standalone policy. Compare quotes from various providers to find a plan that fits your needs and budget. Make sure the coverage includes protection against common road hazards like punctures, blowouts, or debris damage, and check the exclusions and conditions.
Star Performer Solar - 4S
Article number
B
72 dB
£ 47,73
Price per item
price incl. 20% VAT, free delivery
Nankang Econex NA-1
Article number
B
70 dB
£ 54,47
Price per item
price incl. 20% VAT, free delivery
If you decide to purchase tyre cover, you'll need to provide details about your vehicle, such as its age, mileage, and tyre specifications. Some policies require that your tyres meet minimum tread depth or condition standards at the time of purchase. Many insurers also allow you to bundle it with other vehicle-related insurance for additional savings. Be sure to read the terms carefully to understand claim limits, approved repair networks, and reimbursement processes.
Car tyre insurance prices
Car tyre insurance prices in the UK vary depending on factors such as the level of cover, the type of vehicle and the tyres being insured. For standard vehicles, the cost is generally affordable, with premium or specialist tyres, such as run-flat or low profile options, requiring higher premiums.
The price also depends on the scope of the policy, including the number of claims allowed, additional features such as labour cover, and whether the insurance is purchased as a stand-alone product or bundled with other vehicle cover. While costs can vary, tyre insurance is often a cost-effective option compared to the potential cost of replacing or repairing damaged tyres, especially for drivers who frequently encounter hazardous road conditions. Comparing several providers will ensure you get the best value for the protection offered.
Based on the latest available information, here is a table showing tyre price ranges and the corresponding insurance costs per tyre in the UK:
|
Cost of tyre (£) |
Insurance premium (per tyre) (£) |
|
0–49.99 |
5.99 |
|
50–99.99 |
9.99 |
|
100–149.99 |
14.99 |
|
150–199.99 |
19.99 |
|
200–249.99 |
24.99 |
|
250–299.99 |
29.99 |
|
More than 300 |
39.99 |
For the most accurate and personalised quotes, it's best to speak directly to providers or use comparison sites to assess the best fit for your needs.
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Tyre blowout: what to do, prevention tips, and solutions
How long will tyre insurance last?
A tyre insurance policy typically lasts between 1 and 3 years, depending on the provider and the plan chosen. Many insurers offer flexible options, allowing you to choose a term that best suits your needs and driving habits. Some policies are based on the expected life of the tyres, providing cover until they wear out naturally or need to be replaced.
Keep in mind that low tyre tread can affect your insurance cover and may be invalidated if tyres fall below the minimum tread depth (often 2.5mm) or exceed the vehicle age or mileage limits specified in the policy. It is important to maintain your tyres regularly and comply with the terms of your policy. Always check the terms and conditions to understand claims limits and renewal options.
What about alloy wheel insurance?
As the name suggests, Alloy Wheel Insurance provides protection specifically for your car's alloy wheels. If your alloy wheels are scratched or scuffed as a result of a poor parking manoeuvre or accidental kerbing, this insurance can help ease the financial burden of repair costs.
Policies generally cover cosmetic repairs for minor damage, while some may also cover the replacement of cracked or structurally compromised wheels. Alloy wheel insurance is definitely worth it for drivers with high-end or custom alloys, as repair costs can be significant.
Most plans allow multiple claims per year and may require you to use approved repair networks. It's important to review the policy terms to understand the extent of coverage and any exclusions, such as wear and tear or damage caused by negligence.
Nankang Econex NA-1
Article number
B
70 dB
£ 56,20
Price per item
price incl. 20% VAT, free delivery
Nexen Nblue 4 season
Article number
A
67 dB
£ 51,69
Price per item
price incl. 20% VAT, free delivery
Nexen N FERA SU1 XL TL
Article number
B
71 dB
£ 92,55
Price per item
price incl. 20% VAT, free delivery
Sailun Atrezzo Elite
Article number
B
70 dB
£ 67,62
Price per item
price incl. 20% VAT, free delivery
What are the advantages?
The primary advantage of car tyre insurance is protection against unexpected accidental or malicious damage to your vehicle’s tyres, saving you from potentially costly repair or replacement bills. This ensures peace of mind when navigating unpredictable road conditions.
Repairs and replacements are often handled through an established national repair network, ensuring high-quality service and convenience. Many policies also cover associated costs, such as wheel balancing and valve replacement, adding further value.
Tyre insurance is particularly beneficial for cars fitted with expensive or unique tyres and for drivers who often face challenges such as road debris or potholes. It supports both vehicle safety and budget management by reducing the financial impact of unexpected tyre-related costs.
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