Tyre Insurance vs Tyre Coating (The Most Affordable Tyre Cover)

Pretreat. Protect. Prolong

South Africa’s roads aren’t known for being particularly clear of potholes and debris, amongst other objects, so insuring your tyres against these obstacles is a wise move.

What coverage options are available to you?

Your 2 choices are paying a tyre & rim insurance premium or as a once-off preventative measure, coating the inner wall of your tyres with a nano polymer coating. Coated tyres can safely ride over nails and other sharp objects and keep your vehicle safely on the road by immediately sealing any punctures. The nano polymer coating is also guaranteed to seal punctures for the full legal tread life of your tyres.

Remember that many insurance pay-outs are determined by the remaining tread life of your tyres, and that if your tyres aren’t coated, even if you do have insurance, you’ll still have to deal with a breakdown. If a breakdown can be avoided, that’s a good move. Even if your wheels are already insured, it’s worth coating your tyres for extra road safety and peace of mind.

Table of Contents

Tyre & rim insurance
What is tyre and rim insurance?

Tyre & rim insurance covers the replacement or reparation of your tyres and rims. There are usually many terms and conditions, but you’ll be covered for potholes, uneven kerbs, and road debris that intercepts your vehicle.

How do you qualify for tyre and rim insurance?
  1. Your car is roadworthy and registered.
  2. You own your vehicle.
  3. Your vehicle isn’t used for off-road activities.
  4. Your tyre tread is within the legal limit.
    1. Re-treaded tyres are sometimes not covered
  5. Your vehicle is used privately. (No commercial/business vehicle coverage.)
What are the benefits of tyre and rim insurance?
  1. No unexpected expenses

Tyres and rims can be costly to replace or repair, so having your finances taken care of is incredibly assuring.

  1. Safely & quickly get back on the road

The fast and convenient tyre & rim cover ensures that you can start driving again as soon as possible. No waiting until your budget accommodates the expense necessary.

  1. Smart budgeting

Most insurance providers offer multiple tiers of tyre and rim cover. There will most likely be a plan that suits your monthly budget and provides a valuable amount of coverage.

Tyre & rim insurance provider coverage
Hollard

Hollard offers reputable insurance that covers:

  1. The cost of repairing up to 4 punctures per year at any Tiger Wheel and Tyre fitment centre in South Africa. This means one puncture per tyre per year.
  2. The cost of damaged tyres, including wheel alignment and balancing.
  3. If no claims are made in a 12-month period, all of your tyres will be balanced and aligned.

See all the terms and conditions in Hollard’s guide.

King Price

How does King Price calculate your tyre and rim coverage?

King Tyre has 4 insurance options:

Option 1: R39 monthly premium

  1. Excess per claim: R250
  2. Limit per tyre claim: R1000
  3. Annual limit for tyre claims: R2000
  4. Limit per rim claim: R400
  5. Annual limit for rim claims R800
  6. Overall annual limit: R2800

Option 2: R69 monthly premium

  1. Excess per claim: R250
  2. Limit per tyre claim: R2000
  3. Annual limit for tyre claims: R4000
  4. Limit per rim claim: R500
  5. Annual limit for rim claims R1000
  6. Overall annual limit: R5000

Option 3: R99 monthly premium

  1. Excess per claim: R250
  2. Limit per tyre claim: R3000
  3. Annual limit for tyre claims: R6000
  4. Limit per rim claim: R600
  5. Annual limit for rim claims R1200
  6. Overall annual limit: R7200

Option 4: R129 monthly premium

  1. Excess per claim: R250
  2. Limit per tyre claim: R5000
  3. Annual limit for tyre claims: R10 000
  4. Limit per rim claim: R700
  5. Annual limit for rim claims R1400
  6. Overall annual limit: R11 400

What’s covered by King Price?

  1. Repairs for tyre damage caused by road hazards. If a tyre cannot be replaced it will be repaired.
  2. Repairs for rim damage caused by road hazards. If a rim cannot be repaired, King Price’s liability is limited to any damage to the tyre.

What’s not covered by King Price?

  1. Accident, theft, and fire
  2. Alternations & modifications
  3. Consequential loss
  4. Contractual liability
  5. Lack of maintenance
  6. Any portion of a tyre’s treads being below the National Road Traffic Act limit.

See the full list over here.

While there are valuable tyre and rim insurance offers, the coverage exclusions are significant. Tyre’s are susceptible to being damaged by a lot more than straightforward punctures, debris, kerbs and potholes. In fact, many contracts stipulate that side punctures aren’t covered, so even the type of puncture needs to be specific.

Another downside is the common practice of basing pay-out amounts on the remaining legal tread life of your tyres.  This practice makes sense since you would have naturally replaced your tyre(s) soon anyway.

Evolving technology has provided an alternative tyre solution – a nano polymer coating evenly sprayed onto the inner wall of your tyres.

Nano polymer coating instead of tyre insurance
How does nano polymer coating work?
  1. The inner wall of your tyre is evenly coating with a 2-3mm layer of nano polymer that adheres permanently.
  2. The nano polymer is not liquid based therefore tyre balancing is not affected.
  3. Punctures are immediately sealed due to the polymer coating using internal air pressure to plug them up and create a sturdy rubber seal.
  4. Nano polymer is non-toxic and non-hazardous.
  5. The coating is guaranteed to protect your tyres against punctures for the full legal thread life of your tyres.
  6. The coating doesn’t negatively impact tyre balancing, nor does it corrode steel belts.
Reasons to coat your tyres and ignore insurance
  1. You can ride over a bed of nails and keep going.
  2. Eliminate roadside tyre changes in unsafe areas or late at night and continue travelling safely.
  3. Unless you’re paying a very decent premium, there’s a good chance your puncture will be on the exclusion list. Insurance for nothing…
  4. If you enjoy off road driving, you’ll need to get a better, and more expensive insurance plan anyway.
  5. You still have to deal with a breakdown if you have tyre insurance. Insurance does not keep your vehicle on the road once you’ve punctured your tyre.
  6. Time and unexpected excess payments.
  7. Extend your tyre’s legal tread life.
  8. Improved driving experience with reduced noise.

Take a peek at the installation process – it’s quick and easy.

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