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X5 E70 (2007 - 2013)
E70 BMW X5 produced between 2007 and 2013. Discuss the E70 X5 with other BMW owners here.

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  #1  
Old 12-23-2010, 12:04 PM
JM71 JM71 is offline
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Tire and Wheel Insurance Quote

I was quoted $899 for tire and wheel insurance for 36 months. Is this a good deal? Has anyone gotten it at a lower price? Anyone know what dealer cost is?

Don't want to start a thread on whether I should buy the insurance or not. That's a completely different issue and there are plenty of threads on it already.

Last edited by JM71; 12-23-2010 at 12:06 PM.
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  #2  
Old 12-23-2010, 02:28 PM
rjdoc74 rjdoc74 is offline
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Quote:
Originally Posted by JM71 View Post
I was quoted $899 for tire and wheel insurance for 36 months. Is this a good deal? Has anyone gotten it at a lower price? Anyone know what dealer cost is?

Don't want to start a thread on whether I should buy the insurance or not. That's a completely different issue and there are plenty of threads on it already.

I got an offer for $1200 for 5 years; negotiated down to $1000. I have sports package with RFT so I think its worth it...
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  #3  
Old 12-27-2010, 06:50 AM
VicTexas2010 VicTexas2010 is offline
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I have RF tires on 2011 535i But no sport package - Do I need it?

Hello,

I already asked this in a separate thread. However, I would like to know your take on this. Can you buy ONLY tire insurance or it has to be Tire + Wheel ?

Thanks a LOT.
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  #4  
Old 01-31-2011, 07:59 AM
bfv bfv is offline
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Did anyone buy BMW tire/wheel insurance for 528i's 17" all-season RFTs? How much? tx.
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  #5  
Old 01-31-2011, 08:16 AM
smuggymba smuggymba is offline
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Quote:
Originally Posted by rjdoc74 View Post
I got an offer for $1200 for 5 years; negotiated down to $1000. I have sports package with RFT so I think its worth it...
did you buy from the dealer or somewhere else. Are there 3rd parties we can buy this from?

Also, I have read that some brands already offer road hazard etc like Michellin and Dunlop.
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  #6  
Old 01-31-2011, 09:32 PM
vinsk vinsk is offline
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I took the protection for $1000 which covers wheels/tires, dents (not covered by lease return conditions), windshield crack, Keyfobs replacement(one per year) for 3 yrs/36K
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  #7  
Old 02-01-2011, 06:21 AM
Jarockster Jarockster is offline
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Was just quoted 3K for 5yrs when buying my CPO yesterday in NJ. How the heck can these vary so differently ?????

Can anyone with RFTs attest to how much use you are actually getting out of your tire/rim insurance assuming you're not 'causing road hazards' on your own.
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  #8  
Old 02-01-2011, 06:36 AM
smuggymba smuggymba is offline
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Quote:
Originally Posted by vinsk View Post
I took the protection for $1000 which covers wheels/tires, dents (not covered by lease return conditions), windshield crack, Keyfobs replacement(one per year) for 3 yrs/36K
From the dealer or a third party....any suggestions on good third parties?
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  #9  
Old 02-02-2011, 01:30 PM
two-five boy two-five boy is offline
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Quote:
Originally Posted by Jarockster View Post
Was just quoted 3K for 5yrs when buying my CPO yesterday in NJ. How the heck can these vary so differently ?????

Can anyone with RFTs attest to how much use you are actually getting out of your tire/rim insurance assuming you're not 'causing road hazards' on your own.
Wow, that's a ripoff. I purchased mine for $1700 from BMW, which covers tires/wheels for 5 yrs. Can't imagine NY and NJ road conditions being too much different. I only bought it since I have 20's and freaked out when I saw the price for ONE replacement tire/wheel.

If you read the fine print on the contract, it explicitly states that the wheels will only be replaced if its deemed a safety hazard, so curbs, chips, scratches WILL NOT result in replacement. Also, you must remain on RFT's in order for the tires to be covered.

I'm going to cancel my warranty for a partial refund when I wear out my OEM tires and switch to non-RFT's.
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  #10  
Old 02-02-2011, 04:17 PM
Jarockster Jarockster is offline
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Agreed 3K is total BS. Looking around for a third party insurance as we speak
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  #11  
Old 02-02-2011, 06:18 PM
X5diva X5diva is offline
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What is the likelyhood you will go through 5 rft in 3 years? (assuming they are about 200 each)
they dont replace them for just wear do they?
Im not sure its worth it ? will someone convice me otherwise?
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  #12  
Old 02-02-2011, 11:02 PM
ard ard is offline
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Lets say you are at 50% and you damage a tire.

They replace that one for free...but you are forced to pay dealer list for the other side (since the dealer will tell you they are required by BMW to match tires on an axle).

Self insure, and by your replacement tires at competitive stores.
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  #13  
Old 02-03-2011, 06:24 AM
smuggymba smuggymba is offline
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Quote:
Originally Posted by ard View Post
Lets say you are at 50% and you damage a tire.

They replace that one for free...but you are forced to pay dealer list for the other side (since the dealer will tell you they are required by BMW to match tires on an axle).

Self insure, and by your replacement tires at competitive stores.
Can you give me some names of third parties please who provide tire/wheel insurance. My X5 just got completed today so need to be ready. Also, how good is the ding protection from the dealer? any third parties that offer ding protection too?
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  #14  
Old 02-03-2011, 09:42 AM
ard ard is offline
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Quote:
Originally Posted by smuggymba View Post
Can you give me some names of third parties please who provide tire/wheel insurance. My X5 just got completed today so need to be ready. Also, how good is the ding protection from the dealer? any third parties that offer ding protection too?

Me?!?

I'd never buy that crap.

24k miles on mine and no flats, no broken wheels, no dings, no scratches. I'd be one of the people paying for all the other claims!
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  #15  
Old 02-03-2011, 09:50 AM
samsonitep samsonitep is offline
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Quote:
Originally Posted by ard View Post
Me?!?

I'd never buy that crap.

24k miles on mine and no flats, no broken wheels, no dings, no scratches. I'd be one of the people paying for all the other claims!
ya I told the manager no, and he laughed like they would break. Just drive it with respect and it will be fine.

Hit every pothole on the road and yes you will need it.
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  #16  
Old 02-03-2011, 10:03 AM
x3brian x3brian is offline
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Call me old fashion but this is a rip off.

Honestly all that you need is road hazard insurance that if you have a blow out, nail, etc that the tire will be covered.

If you walk into any America/Discount tire for about $160 bucks they will give you a warranty on those tires for the serviceable life AND give you free balance and rotations. Considering neither of my BMWs have the sport package this is perfect (128i and x3). The 08 128i has stock RFT and 33k on the ODO with 75% tread still. The 09 X3 has stock non RFT Pirellis with 42k and 50% tread.

You have to ask yourself a question...how many times in all my years of driving have I needed to replace the rims? Odds are only one will need it if the unforeseen happens and that seems like a premium price.
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  #17  
Old 02-03-2011, 10:28 AM
x3brian x3brian is offline
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Smuggy -- on ding protection self insure.

It cost about $80 for a dentless person to come to your house and fix a panel.

Park carefully, gets some extea exercise and spend the cash you saved on a weekend getaway at the ritz Carlton.
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  #18  
Old 02-04-2011, 12:53 PM
Jarockster Jarockster is offline
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Quote:
Originally Posted by smuggymba View Post
Can you give me some names of third parties please who provide tire/wheel insurance. My X5 just got completed today so need to be ready. Also, how good is the ding protection from the dealer? any third parties that offer ding protection too?

Got a 5 yr quote for $639 from this place for RFTs, which is the top tier coverage (required for RFTs)

http://financeinsuranceprofessionals...ire_wheel.html

Sales guys sent me a sample contract to review the fine print on. If anyone knows how I can directly attach a pdf to a post LMK and I can slap it up there for you. Alternatively I can put it on filedropper and link you to it when at home this weekend (Site is blocked at work)
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  #19  
Old 02-04-2011, 03:40 PM
pk9394 pk9394 is offline
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in my 22 years of driving experience and owned for 12 cars. i only cracked 1 wheel (aftermarket wheel). yes i live in NY pothole City, no i don't buy these wheel and tire ins.

just a thought, I have a $500 collision deductible auto ins. will they cover if i blow my tire and cracked the rim? they cost more than thousand for sure! so, the auto ins should cover and all i have to pay is $500 right
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  #20  
Old 02-04-2011, 03:58 PM
smuggymba smuggymba is offline
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Quote:
Originally Posted by x3brian View Post
Call me old fashion but this is a rip off.

Honestly all that you need is road hazard insurance that if you have a blow out, nail, etc that the tire will be covered.

If you walk into any America/Discount tire for about $160 bucks they will give you a warranty on those tires for the serviceable life AND give you free balance and rotations. Considering neither of my BMWs have the sport package this is perfect (128i and x3). The 08 128i has stock RFT and 33k on the ODO with 75% tread still. The 09 X3 has stock non RFT Pirellis with 42k and 50% tread.

You have to ask yourself a question...how many times in all my years of driving have I needed to replace the rims? Odds are only one will need it if the unforeseen happens and that seems like a premium price.
160 for one tire or all 4? Wheels included?
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  #21  
Old 02-04-2011, 06:51 PM
ard ard is offline
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Quote:
Originally Posted by smuggymba View Post
160 for one tire or all 4? Wheels included?
Tire road hazard coverage- all 4. Like when you buy tires and they offer road hazard plans.

As he posted, how many WHEELS have you broken recently? If zero, why the need to have wheel insurance?
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  #22  
Old 02-04-2011, 06:52 PM
x3brian x3brian is offline
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No tires only. Wheels self insure. In 20 years of driving I have only had to replace one rim and eBay was my friend for that e39 rim.
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  #23  
Old 02-04-2011, 06:53 PM
ard ard is offline
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Quote:
Originally Posted by pk9394 View Post
in my 22 years of driving experience and owned for 12 cars. i only cracked 1 wheel (aftermarket wheel). yes i live in NY pothole City, no i don't buy these wheel and tire ins.

just a thought, I have a $500 collision deductible auto ins. will they cover if i blow my tire and cracked the rim? they cost more than thousand for sure! so, the auto ins should cover and all i have to pay is $500 right
yes, your automotive collision policy WILL cover a wheel breakage. But it is a 'chargeable' claim. Usually you can pick up used BMW rims on ebay, in pristine condition, for far less than dealer MSRP.
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  #24  
Old 02-04-2011, 07:31 PM
smuggymba smuggymba is offline
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Quote:
Originally Posted by ard View Post
Tire road hazard coverage- all 4. Like when you buy tires and they offer road hazard plans.

As he posted, how many WHEELS have you broken recently? If zero, why the need to have wheel insurance?
I agree. I'll browse through the DVD for the tires to see if any road hazard is covered or not, otherwise I'll buy the discount tire protection for 160 bucks.
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  #25  
Old 02-04-2011, 10:17 PM
x3brian x3brian is offline
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Snuggy, keep in mind that is about 160. It is dependent on replacement tire price.
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