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Insurance–it’s everywhere. One can insure just about anything. Are tires an investment one needs to insure? Tire insurance, also called a road hazard policy, road hazard warranty, or tire reimbursement plan, is a rapidly growing industry in the automotive world.

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Tire warranty plans pay in full or in part for the replacement or repair of damaged tires and/or rims from “road hazards.” Road hazards are defined as pot holes, debris, nails, wood, and other hazards found in the road. Curbs, sidewalks, and stone walls are not road hazards. This is an important distinction to consider when deciding if tire insurance is right for you (discussed further ahead).

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Tire plans last for a specific period of time and tire wear tread-depth. Some plans last 2-3 years. Others can last 5 years or 60,000 miles. Several plans come with fixed amounts of coverage: $500 per year up to 4 years. Many contracts require three years of law school to comprehend. In terms of tread depth, a tire is usually considered worn out (and thus the plan null and void) at 2/32 to 3/32 of an inch.

Another important distinction is in the type of plan.

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Tire reimbursement plans are just what they say. You, the plan holder, will be reimbursed after the claims process is finalized–usually 2-8 weeks. There is an out-of-pocket expense. These plans are often sold by new car dealerships. The prices can range from $300 to $600 dollars.

Road hazard policies operate similarly to reimbursement plans. However, some tire insurance providers, in partnership with the repair facility, may have a direct-pay relationship. Thus, there would be no out-of-pocket expense, except for applicable deductibles, and items not covered in part or in full. These plans are primarily sold by tire dealers and repair shops. The prices range from $10 to $30 per tire. They also can be based on a percentage of the cost of the tire: usually 12% to 15%.

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Both types of plans have a number of variables, requiring a magnifying glass to read the fine print. Also, many are pro-rated warranties, covering only a percentage of the cost of the tire based on its wear.

Claims and Coverage

Depending on the plan, claims are initiated by the repair shop. The process is fairly smooth, although there can be a significant delay from the provider for authorization. This delay may be an hour or an entire weekend. This means that you’ll have to “ok” the tire replacement, and then hope it’s authorized for the full amount, or drive on your spare.

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Another interesting note is that a lot of tire damage is caused by curbs. Curb damage is not covered under most road hazard policies. High granite curbs with sharp edges slice through tens of thousands of tires per year.

You Won’t Notice

Many people don’t even notice tire damage. Other than to see if the tires are holding air, who “really” looks at tires? Tires are subject to a whole host of external influences which cause bubbles, slices and gouges. Despite the potential dangers of damaged tires, the damage very often does not translate into any noticeable drivability issue. The point is that if you don’t notice any tire damage you can’t benefit from the coverage.

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Those raving about the benefits of a road hazard policy are the actual folks in the industry who stand to benefit from the sale. They’ll argue that it’s so cheap–only $10 to $20 per tire. Even so, for four tires, that’s $80 based on the “possibility,” the “chance,” of damaging a tire that meets the repair/replacement requirement protocols.

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Auto Insurance

If a rim and tire has incurred significant damage, it’s quite likely that other problems have resulted as well. The first is that the vehicle may have been jarred out of alignment. Secondly, hub bearings, front end components: tie rods, spindles, ball joints, and a variety of other components may have sustained damage. In this case, auto insurance, which you are already paying for, will pay for everything–brand new.

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Free Road Hazard Warranties

Many tires come with road hazard warranties FREE. In other words, in an effort to secure retailers, many tire distributors provide service centers FREE road hazard insurance. Some shops pass this on to their tire customers, others sell them. Ask if the tire “comes” with a road hazard protection policy. If not, request that one be provided at no additional charge. It’s worth a shot.

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Also, some car manufacturers provide road hazard warranties FREE of charge for 12 months or 12,000 miles. If you’re buying a new car or even used, ask that the dealer provide a complimentary road hazard policy (after all the wheeling and dealing is done, of course), and just before you commit.

What’s the best road hazard policy?

Money in your bank account.

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This guide is written to hopefully explain the BSR run flat system fitted to the Toyota Rav4 T180 and SR180
Many owners have bought their cars without knowledge of this BSR system so here I will try to explain what it is and the options for replacing it..

What is the BSR system?

It's a Run flat system that is different from other types where the sidewall of the tyres used is heavily reinforced so if a puncture or deflation occurs the car effectively rides on the sidewall

BSR (Bridgestone Safety Ring) is a system that employs a ring that is fitted inside the tyre around the rim. This is what the car rides on in the event of a deflation. The tyres are effectively a normal tyre. This is a development of a WW2 military vehicle.

There is also a lubricant inside the tyre that lubes the tyre and the BSR ring in the event of a deflation. Without this the friction generated would destroy both elements.

System is backed up by a TPMS (Tyre Pressure Monitoring System) that illuminates a warning light on the dash if a deflation takes place...

The suspension has two elements to contend with:

The sprung weight. This is the weight of the Vehicle, Its occupants, Cargo etc.
The unsprung weight. This is the weight of the Wheels, Tyres, Brakes etc.

Relieving the suspension of the unsprung weight enables it to get on with the job of controlling the sprung weight. This adds up to a far far smoother ride without the crashing and thumping that the increased weight of the BSR equipped wheels give. Remember the tyre walls are Not reinforced..
The ride quality is MASSIVELY IMPROVED when the BSR is removed!!!

A consideration...

If trading in a BSR equipped RAV to a Toyota Dealer one of the first questions asked will be does it still have the run flats?? Because if it does not the car has in their eyes been radically altered and cannot be sold under the Toyota approved car scheme.

Other dealers may or may not ask depending if they know about the existence of the system in the first place...

Hope this helps

Buying Used Tires - 5 Things To Watch Out For

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If you are an auto body shop, car dealer, independent tire dealer, wheel manufacturer, exporter, or a retail auto shop, it's in your best business interest to forge a close relationship with a wholesale tire distributor. Opening an account with a wholesale dealer gives you access to an enormous source of inventory that you can use to expand your profit margins and find new customers.

There are a few places you can look to try and find wholesale tires for sale.

Referrals. Lots of businesses in the auto industry pass contacts along by worth of mouth, so see if you know anybody that can refer you to the distributor they work with. This is an easy way to find a reputable dealer that has wholesale tires for sale.

Keep in mind that if you are not an automotive business, or if you don't stock tires or purchase them regularly, there is a good chance your account will be rejected or closed. To get the best prices on wholesale tires, work on cementing a close relationship with a single dealer you can send all of your business to. Wholesale tire distributors reward their best customers with deep discounts that benefit all parties involved.

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https://www.pottersplace.co.za/johannesburg-south-2/

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