Road hazard insurance worth it? (rims/tires) - LotusTalk

texevora · 12-24-2012, 09:13 AM

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?

Lckitty · 12-24-2012, 10:34 AM

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.

Hello Kitty · 12-24-2012, 11:09 AM

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.

Ron Avery · 12-24-2012, 11:28 AM

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

Drew09 · 12-24-2012, 02:11 PM

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.

texevora · 12-24-2012, 06:36 PM

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...

Sven76 · 12-25-2012, 06:23 AM

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

Motorcitydak · 12-25-2012, 12:25 PM

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

12-24-2012, 09:13 AM	#1 (permalink)
texevora Registered User Join Date: Sep 2012 Posts: 119	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?

12-24-2012, 10:34 AM	#2 (permalink)
Lckitty Registered User Join Date: Apr 2009 Location: Issaquah, WA Posts: 296 Images: 1	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. __________________ 2011 Lotus Evora 2+2 (demo car) - Canyon Red Metallic 2004 Saab 9-3 Convertable 2007 Jeep Grand Cherokee Overland 2005 Triumph Daytona 955i (0-60 = 2.9 secs) Last edited by Lckitty; 12-24-2012 at 10:35 AM. Reason: forgot somthin

12-25-2012, 06:23 AM	#7 (permalink)
Sven76 Registered User Join Date: Aug 2007 Location: Frankfurt/Main, Germany Posts: 452	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

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12-24-2012, 11:09 AM	#3 (permalink)
Hello Kitty Goodbye Kitty Join Date: Nov 2007 Posts: 1,783 Images: 87	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.

12-24-2012, 02:11 PM	#5 (permalink)
Drew09 Chrome orange is faster! Join Date: Sep 2010 Location: USA Posts: 1,986	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.

12-24-2012, 06:36 PM	#6 (permalink)
texevora Registered User Join Date: Sep 2012 Posts: 119	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...

12-25-2012, 12:25 PM	#8 (permalink)
Motorcitydak Registered User Join Date: Jul 2012 Location: SE Mi Posts: 181	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

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