Tyre Insurance for Standard & Run Flat Tyres
(i.e can't make a claim within the first 30 days from purchase of the policy)
If you are concerned about being left with a bill following a tyre blow out, damage picked up from hitting a pot hole or from running over a nail then tyre insurance could be for you.
Tyre Insurance can cover the cost of repair (normally a puncture repair) or a replacement of the tyre following accidental damage.
This policy is a complete stand alone policy and you don't have to purchase any other policy. If you would like to purchase Alloy Wheel Insurance as well as Tyre Insurance, please consider a Combined Tyre & Alloy Wheel Insurance as it may be more cost effective.
Please Note: You can only purchase a Tyre Insurance policy providing you have purchased the vehicle within the last 30 days.
Replacing a tyre on your vehicle can be expensive, especially when the need arises through unforseen circumstances. However, from just £159 you can protect the cost of repairing or replacing your tyre after accidental or malicious damage. With all the pot holes and debris on the roads, sustaining damage can be very easy. Car Tyre Insurance from Shortfall.co.uk can help prevent any unexpected bills should this happen.
Tyres can be expensive, they can run to thousands of pounds on exotic sports cars. However, it is more than likely that the cost to replace your tyres may be in the region of £170 to £300 per tyre, which is still a costly figure.
A Tyre Insurance policy from Shortfall.co.uk can pay the cost of repairing, or if it is not possible to repair your tyre, the cost to replace it. Getting a quote from Shortfall.co.uk for tyre insurance could not be easier either.
As you may or may not know, Run Flat Tyres are specifically designed to allow you to carry on driving for a short while after you have had a puncture. However, the downside to having such highly developed tyres is that they are not repairable and can be very costly to replace. Therefore, a Run Flat Tyre Insurance policy may be something for you to consider.
Each claim will be handled by the administrator and the repair will be carried by a repairer, who will make all efforts to affect the repair to your satisfaction. Where more than one tyre has suffered damage each repair will be classed as a claim under the policy.
Subject to the terms and conditions, in the event that the Tyre(s) fitted to the Insured Vehicle sustain any Damage, this policy will pay for the following:
a) The cost of materials and labour that the Claims Administrator deems to be fair (by assessing market average repair costs) to repair, balance and refit a Tyre that can be repaired, or;
b) Where a Tyre is deemed to be Damaged beyond economical repair, the reasonable cost of materials and labour that the Claims Administrator deems to be fair (by assessing market average repair costs) to balance and fit a replacement Tyre of similar make and quality.
This policy will cover a maximum of 3 Tyres per 12 month period from the Start Date. The maximum amount that this policy will pay per Tyre is £300.
Policies sold before 01/03/2017 will be subject to different terms and conditions, please refer to your policy documentation or contact a member of the customer service team with any questions or queries you may have.
Key policy exclusions
- Damage that occurs within the first 30 days from the policy Start Date.
- VAT if You are VAT registered.
- Any costs to repair or replace Tyre(s) fitted to the Insured Vehicle that
a) The Claims Administrator does not authorise in advance and provide an Authority Number for (unless You need to make an emergency Tyre claim outside of the Claims Departments opening hours)
b) Do not satisfy the requirements set out under the How To Make A Claim section of this policy, or;
c) Have not been reported to the Police and a crime reference number obtained in the case of malicious Damage.
- Tyre(s) fitted to the Insured Vehicle if they are used at the incorrect pressure.
- Damage due to wear and tear
- Tyres with less than 2.5mm tread depth
For full terms and conditions please click here.
The Shortfall Tyre Insurance policy offers cover for up to 22 inch tyres so there are not many vehicles we cannot offer protection for. If you know the tyre diameter size (in inches) this, along with knowing whether your tyres are 'run flat' or standard construction, is all you will need to know in order to generate a Tyre Insurance quote.
If you are unsure about the size of your tyres there are a couple of things you can look at.
Your can look at the markings on the tyre wall and it should be fairly easy to spot the tyre size by the following:
Really this should be done at least once a month, or before you embark on a long distance trip. You should do a visual inspection of the tyres, check that the tyre tread is legal and that there are no apparent cuts or damage to your tyres. You should also check the tyre pressure and that any items you may need to change your tyre (or reinflate if there is no spare wheel) are present and working.
Remember if you have a tyre insurance policy and you spot damage like a nail or a cut in the tyre, then please call the claims team as early as possible.
This depends on the type of vehicle you have.
It is against the law for you to use your car with defective tyres. Tyres can be defective for a number of reasons, including:
The punishment for having a defective tyre on your vehicle is 3 points and a maximum of £2,500 fine per illegal tyre. This means that if all your tyres are illegal you could face 12 penalty points on your license and a fine of up to £10,000.
It was reported that nearly one in four MOT failures in 2016 were down to defective tyres. This means that those drivers were on the roads with tyres that were not only dangerous but also could attract significant punishment if it had been discovered by the police rather than the MOT examiner.
It pays to check your tyres regularly.
If your policy has been arranged after the 01/11/2016 your policy is underwritten by MAPFRE Asistencia and the claims administrator are Abraxas Insurance Administration Services Limited, based in Bristol.
MAPFRE are well represented in this area of insurance, including underwriting a large proportion of manufacturers backed products, as well as leading online brands like Shortfall.co.uk.
MAPFRE carry an 'A' financial rating and have a history going back over 80 years.
If your policy was arranged prior to the 31/10/2016 the underwriter for your policy will have been UK General on behalf of Ageas Insurance. However, please refer to your policy documentation for further clarification or contact a member of the customer services team on 0800 195 4926/0151 647 7556.
All policies are FCA Regulated and backed by the Financial Services Compensation Scheme in the UK.
As per the policy documentation, there are a number of excluded manufacturers. Any vehicle manufactured by the following is listed as an excluded vehicle within the terms and conditions of the policy. However, being part of Aequitas Automotive, we have access to a number of different underwriters and policies which may not list your manufacturer as an exclusion.
Please see below a list of excluded manufacturers.
AC, Ascari KZ1, Aston Martin, Bentley, Bristol, Bugatti, Caterham, Daimler, De Tomaso, Dodge SRT10 models, Ferrari, Ford GT models, Gumpert Apollo, Honda NSX models Invicta, Jensen, Lamborghini, Lister, Lotus, Maserati, Marcos, Maybach, McLaren, Morgan, Noble, Pagani Zonda, Rolls Royce, TVR, or Westfield.
This information is found on page 1 of your policy documentation under the eligibility requirements of the policy.
If you have a vehicle listed in the excluded manufacturers section of this policy, contact a member of the customer service team on 0800 195 4926/0151 647 7556 to see if we could provide alternative cover.