Road hazard insurance worth it? (rims/tires) - LotusTalk - The Lotus Cars Community
 
LotusTalk.com is the premier Lotus Forum on the internet. Registered Users do not see the above ads.
Reply
 
LinkBack Thread Tools Display Modes
Old 12-24-2012, 09:13 AM   #1 (permalink)
Registered User
 
Join Date: Sep 2012
Posts: 278
Garage
Road hazard insurance worth it? (rims/tires)

hey folks, i take delivery of my new Evora on Thursday. The car has the upgraded black forged design wheels (19" front/20" rear), and obviously the stock Pirelli P-Zero Corsa's. Normally I wouldn't ever consider buying any dealer "add-ons" (i.e. underbody rust protection, paint sealant, blah blah blah). However, OEM rims and tires are absurdly expensive (I believe over $1300 per rim for the black forged design wheels, and ~$500+ per P-Zero Corsa).

The dealer is offering a 5-year tire & wheel coverage plan for $1295 from a third-party company, ROAD InTire. I'm not as worried about the tires as I am on the rims, seeing as I have no idea how fragile they are. Anyone have any thoughts on whether or not this coverage plan might be a good idea? Anyone ever gotten the plan for less than $1295?
texevora is offline   Reply With Quote
Sponsored Links
Advertisement
 
Old 12-24-2012, 10:34 AM   #2 (permalink)
Registered User
 
Lckitty's Avatar
 
Join Date: Apr 2009
Location: Issaquah, WA
Posts: 1,281
Images: 11
Garage
Firstly, CONGRATULATIONS!!!!

Really a roll of the dice on that one to me, and I'm an exteneded warranty kinda guy. Will I really have a cost justifying incident in 5 years? Actually, will I have 2? One to break even and one to make it worth getting the insurance. With those odds I'd gamble and stash a chunk of that cash for a rainy/slippery day. If there is a deductible then even worse.

If, i could spread the cost into the 3% car loan or get a longer term than 5 years on the ins. then maybe.
__________________
2012 Lotus Evora - IPS, Nightfall Blue
2007 Jeep Grand Cherokee - Overland, Hemi (The Anti-Lotus)
2004 Saab 9-3 Convertable - The DD
Totalled: 2011 Lotus Evora 2+2 - Canyon Red Metallic
Sold: MGB, Miata, Merc 560SEL, F-150, Civic, Saab 9-5SE, '05 Ford-GT, '69 Cad Sedan DeVille, Triumph Daytona 955i

Last edited by Lckitty; 12-24-2012 at 10:35 AM. Reason: forgot somthin
Lckitty is offline   Reply With Quote
Old 12-24-2012, 11:09 AM   #3 (permalink)
Registered User
 
Hello Kitty's Avatar
 
Join Date: Nov 2007
Posts: 1,837
Images: 88
Think about the headache you will experience 3 years from now if you have a bent rim trying to track down your documentation, and the company... IF the company still exists. Then you have to file a claim, and they probably wont pay 100% of the repair cost. Take your $1295, and put it into a savings account. Problem solved.
Hello Kitty is offline   Reply With Quote
Old 12-24-2012, 11:28 AM   #4 (permalink)
Registered User
 
Ron Avery's Avatar
 
Join Date: Jul 2005
Location: Winnetka California
Posts: 1,168
Images: 40
Garage
I had the same offer from my dealer, I passed on it. I don't have 19"& 20"', just 18" & 19"'s.
Unless you damage 2 or 3 rims over 3 years, then it would work.
Ron
__________________
Ron Avery
Winnetka Ca
2005 Lotus Elise
2011 Lotus Evora 2+0
Ron Avery is offline   Reply With Quote
Old 12-24-2012, 02:11 PM   #5 (permalink)
Such moderate
 
doge's Avatar
 
Join Date: Sep 2010
Location: USA
Posts: 3,996
Images: 1
Get nails in 3 tires and it pays for itself though. $1295 is actually pretty cheap, if it can be added into the price I'd probably do it. I think they sell our tire warranties a little above $2000.
doge is offline   Reply With Quote
Old 12-24-2012, 06:36 PM   #6 (permalink)
Registered User
 
Join Date: Sep 2012
Posts: 278
Garage
Unfortunately it's too late to add it to the purchase price. Think i'm leaning towards passing on the insurance package. I am pretty careful when driving, and i know i'll be 10x more careful in the Evora. thanks for the all the input folks...
texevora is offline   Reply With Quote
Old 12-25-2012, 06:23 AM   #7 (permalink)
Registered User
 
Sven76's Avatar
 
Join Date: Aug 2007
Location: Frankfurt/Main, Germany
Posts: 545
Wow, that is serious money for something you probably never need. Rims are robust unless you curb them, but getting that fixed is just $100-200 per rim. T
__________________
2011 Evora S 2+0 // carbon grey // diamond cut rims // charcoal leather // Schroth Rallye 3 ASM harness // Moroso oil pan // after-cat delete
Sven76 is offline   Reply With Quote
Old 12-25-2012, 12:25 PM   #8 (permalink)
Registered User
 
Motorcitydak's Avatar
 
Join Date: Jul 2012
Location: SE Mi
Posts: 281
If you damage a wheel can't you just fine a claim with your insurance anyways? I have a $100 deductible on my Lotus and if I bent a wheel, I would just call them up. Same as if I chipped or cracked the windshield
Motorcitydak is offline   Reply With Quote
Sponsored Links
Advertisement
 
Reply

  LotusTalk - The Lotus Cars Community > Lotus Discussions > Lotus Evora



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On



All times are GMT -8. The time now is 09:49 PM.


Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
Search Engine Friendly URLs by vBSEO 3.3.2
Garage Plus vBulletin Plugins by Drive Thru Online, Inc.