Tire insurance: a waste or a necessary addition?
Even if changing a wheel on a car by ourselves is not a problem for us, in some situations we would definitely prefer not to kneel by the car, for example, in snow or rain, and in an elegant outfit. This can be easily avoided by paying just a few PLN as an OC premium. Find out what tire insurance looks like in practice and whether it is worth buying along with a mandatory policy.
Tire insurance - how does it work?
A special problem with a punctured tire can be solved with the help of an assistant. Most often, as part of this additional insurance, the driver can count on a wheel change on the spot, evacuation or assistance in finding a tire fitting. However, the cost of repairing or purchasing new tires is fully borne by the owner of the vehicle. Therefore, tire insurance appears in the offers of insurance companies as a separate product, because neither OS/AS insurance (https://punkta.pl/ubezpieczenie-oc-ac/kalkulator-oc-ac), neither does the mentioned aid provide for financial compensation.
In the case of tire insurance, the insurance company covers the cost of towing the vehicle, visiting the workshop and possibly changing the tire. This type of additional insurance usually costs only a few zlotys added to a liability or assistance policy and allows you to protect yourself from spending several hundred zlotys on a new tire and maintenance costs. Using tools such as the insurance comparison engine, you can even find deals that have tire insurance included in the OC price.
What to look for when choosing auto insurance?
Of course, the terms of tire protection in the insured car are not always the same. Insurance companies usually impose territorial restrictions (most insurance companies offer protection only in Poland) and quota restrictions. In the General Conditions of Contract (GTC), you should look for the maximum compensation limit for a tire problem or how many events the insurance covers.
It is also good to pay attention to details such as the maximum distance our vehicle will be towed under tire insurance. There are other exceptions. One of them is, for example, the situation when a tire is punctured as a result of a collision with another vehicle. Then some insurance companies will not recognize the damage.
However, due to the low costs, tire insurance is an add-on worth choosing. Thus, you can avoid the nerves and wasted time to change the wheel yourself.
