Car Insurance and Tyres

Most car insurance policies won’t pay for damage to your tyres caused by braking, punctures, cuts or bursts, which makes taking care of your wheels all the more important. Well-maintained wheels can even improve fuel efficiency and decrease your chances of getting a puncture.

When shopping around for cheap car insurance, especially when comparing policies online, pay close attention to the specifications in your policy document. Each provider is different; so whilst keeping the cost of your car insurance down is important, it’s also essential that you have sufficient protection from your car insurance.

How can you look after your tyres?

Making sure that your tyres are inflated to the right level can help to keep you safe on the road. Underinflated tyres can cause a variety of problems (on occasion, they have been known to overheat and explode) whilst tyres that are inflated to the correct level are also more puncture resistant. Underinflated tyres tend to use more fuel getting from A to B, so checking your tyre pressure regularly can improve your road safety and your finances.

Furthermore, inspecting your tyres on a regular basis can enable you to spot problems quickly. Initially it is worth checking the tread; the minimum depth allowable on a car tyre in the UK is 1.6mm across 75% of the tread.1

It is also worth examining the evenness of the wear on your tyres as this can help you to identify other problems with your vehicle. If your tyres are wearing out unevenly this could suggest that certain internal parts are misaligned.

You may also want to check if there are any stones or foreign objects caught in the tread. Sometimes nails and screws can become embedded in the tyre and the sooner you get this repaired, the better.

Specialists can fix routine tyre damage, but they will only undertake it if the damage is in the central section of the tyre, where the tread is. If the damage is too near the sidewalls of the tyre, they won’t be able to fix it and you will need to purchase a new tyre for that wheel.

Tyres are big business; according to government sales figures, manufacturers sold £339,759,000 worth of car tyres in 2007 alone.2 Although car insurance doesn’t usually cover tyres, if you take good care of them, your set should have a long life.

Sources:
[1] – http://www.motuk.co.uk/manual_410.htm
[2] – http://www.statistics.gov.uk/downloads/theme_commerce/PRA-20070/PRA25110_20070.pdf

Company Profile:

John Lewis Insurance offers a range of insurance services selected by the John Lewis Partnership. These include home, life, travel, pet, wedding, event and car insurance products.

For more information about John Lewis Car Insurance please visit the website here – http://www.johnlewis-insurance.com.

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