Does Insurance Cover Tyre Damage?

For many motorists, issues with car  tyres can be a headache. A damaged tyre often appears  out  of nowhere, causing delays to journeys and creating additional costs. Drivers of roadworthy vehicles know that keeping  tyres in good condition is essential to the overall performance of their car.

Recent 2024 data reveals that  tyre replacement volumes are rising, with December 2024 up  12% on December 2023. All season  tyres are really driving this increase.  Tyres need replacing when they reach the end of their lifecycle. This is individual to each  tyre and depends on the condition of your  tyres over time. 

Contents

●   What is tyre damage?

●   Does insurance cover tyre damage?

●   Feel safe with motor insurance from GasanMamo.

What is tyre damage?

In reality, tyre damage can be easy to miss. Life is busy and people don’t always check their   tyres  regularly.  This  is  where  cuts  on  your  tyres caused by potholes, uneven surfaces,  or  waste  materials  on  the road could cause a problem. In some cases, excessive  tyre damage might be risky so it pays to check over your  tyres when you can.

If your vehicle impacts a solid object, like pavement, you could end up with a  tyre bulge. This is when internal pressure causes a bulge where the tyre sidewall is weakened.  Tyre cuts or  tyre bulges can become more problematic the longer they are left without attention. It’s a good idea to get your  tyres checked by a professional to make sure they are still safe to drive on the roads.

Punctures are also common in  tyre damage situations. If one of your  tyres hits a sharp object as you drive, it could pierce the rubber and cause air to leak out. One sign that you have a puncture is a flat  tyre which will require changing so you can drive safely.

However, smaller punctures may not be so obvious. If you need to pump air in your  tyres more often than usual, this may be a sign you need to replace your tyres. Checking with a  tyre specialist can help resolve this situation.

The legal minimum tread depth for all European passenger car  tyres is 1.6mm. Even though  tyres wear down naturally, this will impact your ability to accelerate or break effectively and safely. Again, having your  tyres checked by a professional on a regular basis helps to increase your safety on the road.

Does insurance cover tyre damage?

If you want to know: does insurance cover tyre damage for your car, then consulting your specific  motor insurance and car insurance policy should help to make this more clear. In general, motor insurance policies tend not to cover tyre damage unless this is caused in an accident such as a collision, or else due to fire or malicious damage. As  tyre damage can be quite difficult to diagnose, regular  tyre checks support safer driving.

General wear and tear is unlikely to be covered under a  car insurance policy in most cases. It’s broadly accepted that in these circumstances, you’re probably going to have to replace your  tyres without making an insurance claim.

Keep in mind that it is a common condition on a motor insurance policy that you have a duty to keep your car in a roadworthy condition at all times.  This includes ensuring that the tyres meet the minimum safety requirements.  If you fail to do this and have an accident your insurance policy may exclude this loss and your losses will not be covered.

Feel safe with motor insurance from GasanMamo

There’s nothing better than the feeling of freedom you get from driving on the open roads.

With GasanMamo’s motor insurance policies, you can feel free and protected. We have a range of premiums to suit your driving needs, and with years of experience in the insurance industry, we’re here to support you on every journey.

Plus, we also offer an affordable motor insurance policy for young drivers called  Boosh. It’s specifically  designed  for  drivers between the ages of 18-24 and offers a range of additional benefits at an affordable price.Get a quote  today, or  contact   our   team for a friendly chat.

GasanMamo  Insurance  is  authorised  under  the  Insurance  Business  Act  and regulated by the MFSA.

Photo: © by LIstvan from Getty Images