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Rayo2703
Newbie


Joined: 26 Jun 2015
Posts: 20



PostPosted: Sun Apr 02, 2017 8:22 am    Post subject: Alloy wheel insurance-is it a con? Reply with quote

I own a late 2016 9914S and when I bought it I took out alloy wheel insurance with QDOS to give myself piece of mind as I was told by Porsche that putting on protectors like Alloygators could affect the warranty. A week ago I clipped the kerb and damaged my rear left wheel. I made a claim online and sent pictures to QDOS. I was flabbergasted when a few days later they rejected the claim on the basis their repairers said the wheel could not be repaired and needed replacing.

This didn't make sense as the damage was superficial and I took my car to Porsche Hatfield yesterday to see what they said. The service department had a look and laughed at this, telling me it could easily be repaired and only cost £150. As QDOS have an excess of £125 I booked my car in and it is being repaired tomorrow.

For a saving of only £25 the alloy insurance seems to be a waste of time particularly when they do their best to avoid paying out!!!

I told QDOS I am having it repaired and will be sending them the invoice. Let's see if they pay out. It may only be £25 but it is the principle.
 
  
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RedJedi
Suzuka


Joined: 13 Aug 2008
Posts: 1048
Location: Leicester


PostPosted: Sun Apr 02, 2017 8:31 am    Post subject: Reply with quote

£125 excess seems high for the insurance - how much did it cost altogether (for the insurance?)
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madge
Spa-Francorchamps


Joined: 29 Dec 2015
Posts: 338
Location: Hampshire


PostPosted: Sun Apr 02, 2017 10:25 am    Post subject: Reply with quote

So if the wheel is damaged beyond repair doesn't the insurance cover the cost of a replacement wheel?

I've never had wheel insurance but I always assumed that you were insuring yourself against the cost of replacing a damaged wheel. Seems like a waste of money otherwise. With an excess that large and such a low threshold for writing-off a wheel I don't see how they will ever have to pay out on a claim. Confused

I hope the salesman threw the 'insurance' in as part of the deal when you bought the car and that you didn't pay for it.
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infrasilver
Fast & Furious
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Joined: 04 Oct 2010
Posts: 6852
Location: East Midlands

2001 Porsche 996 Targa

PostPosted: Sun Apr 02, 2017 11:02 am    Post subject: Reply with quote

Wheel insurance just sounds nuts (no pun intended), I would only ever consider it if I needed to replace a wheel and they don't even do that! If their excess is £125 you could get ChrisW to do a full refurb for around £100.
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Rayo2703
Newbie


Joined: 26 Jun 2015
Posts: 20



PostPosted: Mon Apr 10, 2017 6:43 pm    Post subject: Reply with quote

To be fair to QDOS after I sent them evidence Porsche could and had repaired the wheel they confirmed they would pay out and that the £125 was not the excess but the limit of indemnity. The excess is £25 so they are send me £125.
 
  
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6appeal
Nürburgring


Joined: 02 Jan 2016
Posts: 378



PostPosted: Wed Apr 12, 2017 10:03 am    Post subject: Reply with quote

Thats good that it worked out... have occasionally bought tyre/alloy insurance and to be honest, its worked out in the past and they have paid any claims without issues. The price for these policies fluctuate wildly and have only bought when the cost has been ridiculously low; have definitely saved money overall.
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cableguy
Suzuka


Joined: 10 Sep 2007
Posts: 1036
Location: North Yorkshire


PostPosted: Wed Apr 12, 2017 10:09 am    Post subject: Reply with quote

Result. Thumb

How much was the annual wheel insurance policy?

C.
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Gorsh
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Joined: 24 Oct 2015
Posts: 49
Location: Isle of Man


PostPosted: Wed Apr 12, 2017 11:12 am    Post subject: Reply with quote

Has anyone bought tyre and wheel cover from their OPC for a 991 or 991.2?

I would be interested in the price - I have been quoted £649 which seems expensive.
 
  
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Rhodris-dad
Nürburgring


Joined: 28 Nov 2013
Posts: 471
Location: RHYL


PostPosted: Wed Apr 12, 2017 12:13 pm    Post subject: Reply with quote

Gorsh wrote:
Has anyone bought tyre and wheel cover from their OPC for a 991 or 991.2?

I would be interested in the price - I have been quoted £649 which seems expensive.


When we bought the wife's XF, I seem to remember a quote of over £700 from the Jag dealership.

.....which is more than the cost to insure the vehicle on the road.!!!
 
  
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6appeal
Nürburgring


Joined: 02 Jan 2016
Posts: 378



PostPosted: Wed Apr 12, 2017 10:34 pm    Post subject: Reply with quote

i've used Ala in the past, worked out ok. About £500 for tyre and alloy insurance for 3 years for a 911 looks like at present, bit more than i've paid before.
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Rayo2703
Newbie


Joined: 26 Jun 2015
Posts: 20



PostPosted: Fri Apr 14, 2017 7:53 pm    Post subject: Reply with quote

It was £55 for up to 5 claims with a limit of £125 per claim.
 
  
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Palmball
Newbie


Joined: 05 Dec 2010
Posts: 41
Location: Loughborough


PostPosted: Sun Apr 16, 2017 3:48 am    Post subject: Reply with quote

You just need to work out the break even amount of claims to establish if it's worthwhile.

I would say that at anything sub-£500 for combined wheel and tyre insurance isn't too bad, as long as the claim limit covers the cost of a tyre or wheel refurb (most will, just not the cost of a whole wheel). At £500 (a price which these can be negotiated down to) you only need make two claims to break even.

Just make sure it covers diamond cut wheels if you have them, as a lot of policies don't (ALA I think being one that doesn't).
 
  
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