I am picking up my MCS in several days and I am expecting to be asked to purchase the insurance for the tires again. I spent like $500+ on my current MC, which has 15' all season tires. I am getting 17' all season tires (don't think it is run-flat) with the crown-spoke wheel base for the MCS, do I really need to purchase the insurance for the tires? If I don't, I suppose I will have to pay for the replacement tires if I pop a tire?

 

YES YES YES YES YES
I am on my third tyre since July, Insurance has already paid for itself
(too many pot-holes in Philly)

 

 

I had a nail in one of my run-flats within the first week of ownership. I figure one more and I've more than paid for the insurance.

You can get it for much less than $500 if you work um

 

YMMV, I did get the insurance from the MINI dealer after the fact after talking with one of my car friends. With the 17" runflats and webspokes since they will replace a damaged wheel and tire, the insurance pays for itself.

I have not had to file a claim, but if I have to do so, I'm covered.

When I get my 2nd set of wheels and tires, I will take out tire insurance on the new all-season tires. It may be extra profit for the tire store, who knows. I feel better and feel it is money well spent.

I do hate to say oh crap, I should have gotten the insurance. RF tires are expensive and MINI wheels tend to be too.

 

I got 3 years for $350. I have owned 4 Coopers now and thre of them has bent a rim (even my GP)!!!! Gotta love Ohio roads. The coverage is good down to 3/32nds for a new replacement and no prorating. 3/32nds is worn. Key is that the rim must not be able to hold air to be replaced.

 

My policy says ANY tires and rims on the car as long as they are LIKE original. I wouldn't think you need to by for your all-seasons!

 

I did and at 2700 miles I had to replace one. However, knowing what I know now, I would sell the RFs to folks like you and buy new wheels/non-RFs. Don't go crazy and it won't be much (if any) more than the warranty.

 

I live in New Jersey and frequently drive into NYC. I have run-flats and have had 3 replaced in all of 14 months, so far. The first one was a puncture (in the rear) and the other 2 were sidewall bubbles from potholes, both in the front and at the same time. The total cost of the 3 tires installed was over $1,100 and I collected on all of them, so you know my answer.

 

If you're saying the RFs are both more easily damaged and more expensive, you're right, but I don't know that means that the insurance is not worth the protection, depending on where you live and the road conditions. Certainly it has an impact.

 

Or just put the money towards some wheels/tires and put the stock wheels in the backyard as spares or Winter tires.

 

you know you can take any tire to a discount tire, and they will give you certificates and insurance on them for a reasonable price. I have many times ordered rims and tires from Tirerack as their prices were better even with shipping, then run by Discount Tire and get the certificates for between $60-80 for all 4. I always get the certificates, but I like the peace of mind and coverage....that's how I roll

 

I've done the same thing with DT. Save your money...don't spend $350 or $500; go to DT and get their coverage for less than $100.

Call

 

I'm saying replace the RF's with regular tires with the normal roadhazard warranty.

 

I have the warranty and haven't had to file a claim but had 6 flats in a year before so I think it will be worth it. Especially since my car came with the TPM system. No clue how that plays in though.

 

never had a flat never bought the insurance.....never an issue, thats how i roll.....

 

Who was your insurance through? Did you get the rim replaced through the dealer? I have Safe guard and had my rim fixed but they are trying to deny telling me I needed to get a claim number before I had it fixed?

 

yes...i had a flat within a month and the new tire cost $400....automobile protection corp paid dealer directly....first flat in 10 years

 

i would get it. we have that at our dealer and it is worth it. i have it on my 07 mcs. if you are getting a s it will have runflats. we had a cust with web spokes come in, blown tire and bent wheel. no wheel and tire insurance. 900 dollar shop bill to fix vs the 375 for the ins. much worth it i think

 

I have rarely purchased road hazard or tire insurance over the last 28 years, but most of my flats have been a nail or screw stuck in the tire and that's easy enough to plug yourself or pay the local garage $10-$15 to fix. I tend to stay away from any service contracts of any kind because first of all I can fix almost anything and second they often wind up costing the same as the repair would any way. Having said that, not every one is able to or wants to spend their time fixing things and a service contracts works out for them. You have to make your own call based on your own experience and capabilities.

 

For under a $100 from Discount Tire, it sounds worth it to me. I was very hesitant popping for $500 at the dealer when you can get it for less than a $100 for all 4 tires. Does it cover the same hazards and will they replace the rim if damaged like the dealer will do? Anyone know for absolute certainty?

It appears that you must buy the tires from discount tire to purchase the certificate.
What if I have a new MINI, the only choice would be to buy it from the dealer at ripoff prices.

 

See, to me that doesn't make any sense at all. For $900 I can get a decent set of aftermarket rims and tires. As in all 4 wheels and all 4 new tires. If you get non-runflats you can get the whole set of them for less than the $375 even. I just don't understand why anyone would spend that kind of $ on the origional wheels and aweful tires. For me the better option would be to keep the $375 until and if something happens, then sell off the other 3 good wheels to other people who need them and buy a new set for myself. That or be one of those people buying the odd single wheel from someone else who did just that. The rest of the wheels are used, a single new one would just stick out.

 

It's a ripoff from the dealer. And read the fine print carefully. I read mine (they wanted $900). There's a limit on how much they'll pay total during the warranty (wheels/tires), there's a limit on how many tires you can get free as well. The RFs cost about $225 retail. You can get them patched for $20. Compared to the Discount Tire deal of $100 for all 4 (and they replaced all 4 of mine on my Jeep when I just ruined 1) it's a ripoff.

 

Do I have to buy the tires from DT to get the certificate.
Or is this like insurance that I pay $100 and they cover my new car tires that came with the car? Do they need to see the car to certify?

 

RFs typically cannot just be patched, assuming you drive on them for a while as designed (which basically ruins them). Very expensive to replace. If you DON'T plan on driving on them after they go flat...why? Sell them so somebody on here who likes the convenience of RFs, and buy regular tires. The tires will usually come with a road hazard warranty (if you want) and will cost less than the warranty. By the time you sell the RFs, you'll most likely come out money ahead.