Alloy wheel insurance.

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Manufactured from end of 2011

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flyboy777
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Alloy wheel insurance.

Post by flyboy777 » Sat Jan 20, 2018 5:35 pm

Any reco’s for this?
Collected a pre reg M2 today. Large vulnerable diamond cut wheels!
Dealer wanted £259 for their 3 year policy. I have 30 days to decide hence asking on here.
Never damaged a decent alloy but think peace of mind could be worth it for these wheels.
Do the policies cover whatever wheels are fitted? ie if I had winters on would the policy automatically cover whatever is on it at the time as long as the same size or smaller?
Thx all.
2017 M2.
2015 F31 320D.
2007 123D. P-Torque remap.

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marco_polo
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Re: Alloy wheel insurance.

Post by marco_polo » Sat Jan 20, 2018 5:45 pm

The BMW policy definitely didn't cover aftermarket wheels when it was offered to me, but should cover their genuine approved BMW Winter wheels.
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flyboy777
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Re: Alloy wheel insurance.

Post by flyboy777 » Sat Jan 20, 2018 6:08 pm

That’s interesting.
I’m heading towards an independent insurance policy as probably less anal about original fitment.
Thinking of going 270m wheels rather than the BMW OE 640m for winters.
I’m off on hols for 3 weeks shortly so I’m going to risk the remainder of this winter on the summers as the winter wheels should drop in price later in the year.
2017 M2.
2015 F31 320D.
2007 123D. P-Torque remap.

XWV
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Re: Alloy wheel insurance.

Post by XWV » Sat Jan 20, 2018 7:19 pm

It's probably stating the obvious, but make sure your independent policy actually covers diamond cut wheels - most don't seem to and don't necessarily make it obvious that they don't.
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flyboy777
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Re: Alloy wheel insurance.

Post by flyboy777 » Sat Jan 20, 2018 8:15 pm

Thx XWV. Whatever I decide I will call them to check.
2017 M2.
2015 F31 320D.
2007 123D. P-Torque remap.

cadmunkey
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Re: Alloy wheel insurance.

Post by cadmunkey » Sun Jan 21, 2018 12:13 am

Bmw dealer wouldn’t cover diamond cut wheels on my M2 so couldn’t buy it, check the small print as XWV says

flyboy777
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Re: Alloy wheel insurance.

Post by flyboy777 » Mon Jan 22, 2018 3:06 am

cadmunkey wrote:
Sun Jan 21, 2018 12:13 am
Bmw dealer wouldn’t cover diamond cut wheels on my M2 so couldn’t buy it, check the small print as XWV says
Did you find an alternative?
My salesman thought the BMW policy does cover diamond cut wheels! Though he said they can’t guarantee an invisible repair which makes having insurance pretty pointless.
2017 M2.
2015 F31 320D.
2007 123D. P-Torque remap.

cadmunkey
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Re: Alloy wheel insurance.

Post by cadmunkey » Mon Jan 22, 2018 11:41 am

flyboy777 wrote:
Mon Jan 22, 2018 3:06 am
cadmunkey wrote:
Sun Jan 21, 2018 12:13 am
Bmw dealer wouldn’t cover diamond cut wheels on my M2 so couldn’t buy it, check the small print as XWV says
Did you find an alternative?
My salesman thought the BMW policy does cover diamond cut wheels! Though he said they can’t guarantee an invisible repair which makes having insurance pretty pointless.
No I didnt, I'm just going to be extremely careful (fingers crossed!!).
The problem with diamond cut is once they are scuffed, water gets under the lacquer and rots them from the inside out. So they always need to be sent away for re-cutting, which means a week without your car. I'm not a fan of them at all.

flyboy777
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Re: Alloy wheel insurance.

Post by flyboy777 » Mon Jan 22, 2018 10:06 pm

Yes, I am with you on diamond cut.
Two of my essential options were folding mirrors & reverse cam for the kerb dip in reverse to try to avoid damage & the guidelines in reverse.
Visibility out is far better than my F31 touring especially in reverse.
2017 M2.
2015 F31 320D.
2007 123D. P-Torque remap.

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Billy1mate
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Re: Alloy wheel insurance.

Post by Billy1mate » Mon Jan 22, 2018 10:35 pm

cadmunkey wrote:Bmw dealer wouldn’t cover diamond cut wheels on my M2 so couldn’t buy it, check the small print as XWV says
Impression I got is they’re covered but there’ll be a customer contribution but I could be wrong.

Andy OH
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Re: Alloy wheel insurance.

Post by Andy OH » Tue Jan 23, 2018 1:00 pm

^^^^You're correct. When I bought my M2 I did consider this insurance, however, when I contacted the insurance provider to specifically ask would a diamond cut repair be carried out they said that they would carry out a local repair and not necessarily carry out a diamond cut repair as that was quite expensive. They also said the repairs carried out should not be visible from four feet away. Needless to say I didn't bother taking out the cover.
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