Wheel and Tire Protection plan

Do you guys recommend purchasing this for 2012 328i? $1,319 for 3 years. thanks

Originally Posted by 99540

Do you guys recommend purchasing this for 2012 328i? $1,319 for 3 years. thanks

Yes i recommend it, but not for that much, mine cost 1000

If you drive around in NYC, the T&W insurance might be a good idea. Better yet, with all the pot holes in NY, get a off road vehicle with a lift kit

They offered me 5 years for 1299. $5000 limit on repairs

I ended up not taking it. Live and drive in a pretty clean part of
Town. **as I knock on wood**

My wife and I both took the insurance for our cars.

Insurance is one of those things that each person values differently. For me, I could not justify the cost.... that's very pricey insurance.

For my 335i, the 18" OEM replacement run flat tires are $199 from Tire Rack.com. That's for the "V" speed rated tire. The sport line has the same tire but a little stickier and a "Y" speed rating but it's $299.... a hundred bucks more and it's wear rating is half that of the cheaper "V" rated tire. The "V" is rated at 149 mph, the "Y" is rated at 186 mph. I don't often drive over 149 so I will save the extra hundred bucks per tire and not have to replace them twice as often. I have driven on both the V and the Y tires and I have driven both very hard, I think unless you do a whole lot of track driving, you may not realize the difference. Sure, they are stickier but for daily drivers, you're just not going to see the big difference. These tires from Tire Rack also come with the Manufacturers road hazard coverage.

These run flates are not known for their mileage life, neither the v or y rated models. And the wheel and tire protection plan does not cover tread life, only hazard. So since I will be replacing these tires every couple of years anyway....the protection plan just does't make dollars and cents to me.... but that's how I value it.

As for the wheels, our auto insurance policy has a $500 deductible and there is no exclusions for wheels.

What it boils down to is how it makes you feel personally. If you are more comfortable having it and don't mind paying the price, then go for it. It really does not matter how I value it or anyone else here. It's all about piece of mind versus cost and only you can determine that for yourself.

Regards,
Larry

Thanks all. I think I'm going to pass on it. My wife will be driving it and in a 35 mile roundtrip daily basis in Long Island (low risk potholes) she should be fine I guess.

What gets me as well is how much the dealer is pushing it, to me that serves as a red light.

Originally Posted by 99540

Thanks all. I think I'm going to pass on it. My wife will be driving it and in a 35 mile roundtrip daily basis in Long Island (low risk potholes) she should be fine I guess.

What gets me as well is how much the dealer is pushing it, to me that serves as a red light.

I think you made the right decision. My dealer really push the T&W insurance pretty hard too. They must have a hugh profit margin on the T&W insurance.

They definitley do, just think if everyone buys it and how many people actually use the full dollar amount.

what exactly does the insurance cover?

Originally Posted by Robert A

what exactly does the insurance cover?

For me, if i ever get a nail in my tire, anywhere, i get a brand new tire free.

Also, if there is rim damage to the point where air leaks out, new rim for free

It's my understanding that it covers road hazard for both wheel and tire. It does not warranty tread life.

The closing finance person at the dealer pushes this insurance along with many other options when you are doing the paperwork. They push hard because there is commission.... a lot of commision. They are trained in marketing this stuff and trained well. They like to throw out scare tactic numbers like 400+ bucks for a tire that can't be repaired if you get a nail in it or 1200 bucks for a wheel if you hit a mongo pot hole.

Those numbers may or may not be accurate if you go to the dealer and want to purchase one tire or one wheel. But I doubt I would ever purchase tires of any kind from any dealer, they take pride in overcharging you on those items. You can get OEM wheels from wheel houses and as I noted in an earlier reply, you can get tires a heck of a lot cheaper. But exaggeration is their marketing tool. There have also been many people here reporting that you can indeed repair a RFT in many cases.

There are some people here that have had way more than their fair share of road hazards, way more than average. For those individuals, the insurance may be worth it. But the insurance is not expensive because of the amount of claims they pay out, it's expensive because it's BMW and they make lots of cabbage selling it!

Regards,
Larry

Yes, run flats cant be plugged i was told so they would replace the tire. If a wheel bends they will have it fixed, if its beyond repair they will replace it. Does not cover thread life