Welcome to Bimmerfest -- The #1 Online Community for BMW related information! Please enjoy the discussion forums below and share your experiences with the 200,000 current, new and past BMW owners. The forums are broken out by car model and into other special interest sections such as BMW European Delivery and a special forum to voice your questions to the many BMW dealers on the site to assist our members!

Please follow the links below to help get you started!

Go Back   Bimmerfest - BMW Forums > BMW Model Discussions > 5 Series > F10 / F11 (2011 - Current)

F10 / F11 (2011 - Current)
The new chapter in the highly successful story of the BMW 5 Series Sedan (F10) and wagon (F11)

Reply
 
Thread Tools Display Modes
  #1  
Old 10-01-2012, 11:28 AM
vibui vibui is offline
Registered User
Location: Atlanta
 
Join Date: Oct 2012
Posts: 13
Mein Auto: 2013 535i
Soon to be 535i owner / MB Tire Insurance

First of all, I just wanted to introduce myself. I just ordered a 2013 535i Dark Metallic II with the Oyster / Black interior.

I currently own a E39 M5 which I've had since new in May 2000. Finally decided to move on. The Beast has served me well and I guess I'm getting old enough that a stick shift in Atlanta traffic is no longer "thrilling" like it use to be.

Anyways, this is the first time I've ordered a car and mine's currently in production. I'm working with a dealer out of Bowling Green Kentucky. They're a combination Mercedes / BMW dealer.

They've been great so far and I got the car for what I consider to be an excellent price (Invoice plus $350) and they waived their normal $599 doc fee (which I told them was a BS fee anyways).

The only option I really was considering from the finance department was the tire / wheel insurance. I live in Midtown Atlanta, and the potholes around here are brutal.

They offered me the insurance fro $1149 (which is a heck of a lot less than what the Atlanta dealers were offering).

However, they are recommending that I get the Mercedes Benz version of the insurance. Its called their 1st Class Wheel and Tire protection Plus. This is a 5 years of coverage and the key reason why he says its better is that it covers "cosmetic" damage to wheels (whereas the BMW version does not). When asked, he said that either a BMW or Mercedes shop can will replace my wheels / tires if I make a claim). Its administered by the same company that the BMW insurance is administered by. Safe-Guard here in Atlanta.

Anyways, I was wondering if any of you folks had any experience with this insurance and getting claims paid?

Appreciate any feedback.

Thanks

Victor
2000 M5 (Titanium Silver - looking for a new home)
2013 535i (Currently in production)
Reply With Quote
Ads by Google
  #2  
Old 10-01-2012, 11:51 AM
leewtech leewtech is offline
Gone for a drive.
Location: USA
 
Join Date: Sep 2012
Posts: 100
Mein Auto: BMW, GM, Fountain
Question....how many times of have you damaged a tire or rim on your previous car? If you can answer that to the tune of $1200 over the past 5 years then the policy might be for you. If not, that is a lot of money to spend on wheel/tire insurance. Even if you damage one tire during that 5 years, what's the out of pocket cost? $300?

Put the money in your tank and watch out for the road hazards. Insurance policy's are just money makers for the carrier.

Techman.

PS congrats on the new car.

Last edited by leewtech; 10-01-2012 at 11:53 AM.
Reply With Quote
  #3  
Old 10-01-2012, 11:57 AM
vibui vibui is offline
Registered User
Location: Atlanta
 
Join Date: Oct 2012
Posts: 13
Mein Auto: 2013 535i
I've been incredibly lucky. In the 12 1/2 years I've owned my M5, I've never even had a flat. However, I keep reading in the various forums how everyone's been getting bubbles and such on their run flats. This will be the 1st time I've owned a car with run flats.
Reply With Quote
  #4  
Old 10-01-2012, 12:10 PM
leewtech leewtech is offline
Gone for a drive.
Location: USA
 
Join Date: Sep 2012
Posts: 100
Mein Auto: BMW, GM, Fountain
Flat tires are one thing and tire/rim damage is something else. Again, look up the price of a replacement tire on your new ride, plus factor in any premature failure is covered by the tire manufacturer. I think you would have to have 4 flat tires to break even on the policy. 1 flat a year? Time to move to a place with better roads!

Sounds like you are careful avoiding the road hazards that might damage your wheel/rim combos. If you are unfortunate to actually hit something that could wreck a tire AND rim you probably have suspension damage too. Luckily your purchasing the ultimate driving machine and will probably be able to brake/steer your way out of trouble!!

Don't sweat the run flats. Just keep the right pressure in them and drive, drive, drive!

My vote...skip the policy. Just trying to save you some coin.
Reply With Quote
  #5  
Old 10-01-2012, 12:43 PM
The X Men The X Men is offline
Officially Welcomed to the 'Fest
Location: MA
 
Join Date: Mar 2012
Posts: 4,599
Mein Auto: 2012 535xi 2013 X3 35i
If you look at the owners who had bubbles and damage rims, most of them are from NYC and have 19" wheels. Unless you fit into that catagory, I would skip the tire insurance and spend it on something more sensible.
Reply With Quote
  #6  
Old 10-01-2012, 12:54 PM
jason60050 jason60050 is offline
Officially Welcomed to the 'Fest
Location: Northwest Chicagoland
 
Join Date: Dec 2011
Posts: 295
Mein Auto: 2011 BMW 535i
If you have 18's on the f10 you should be fine. I haven't had one problem to report after 12k miles and the roads out here in the chicagoland area are pretty awful.
__________________
2011 535i, 06/11 Build, Black Sapphire, Black Dakota, Dark Wood, 6mt, PP 1 & 2, Premium Sound, Soft Close Doors, Convenience, Driver Assist, Cold Weather, Nav, SAT, 35% Suntek Tint, BMWPedals, Coded, Xpel Paint Prot.
Reply With Quote
  #7  
Old 10-01-2012, 12:55 PM
laser's Avatar
laser laser is offline
now driving number eight!
Location: Atlanta
 
Join Date: Aug 2004
Posts: 2,171
Mein Auto: 2007 S2000
Agree with the X Man .... we don't have the tire bubble problems like up North.

How many miles do you drive a year? Probably will be replacing tires before 5 years anyway.
__________________
Laser

"sometimes you're the windshield .... sometimes you're the bug"
___________________________

2014 328i Mojave Metallic
2009 328i Black Sapphire Metallic
2007 328i Black Sapphire Metallic
2007 Honda S2000 Berlina Black
(Hey Jim... am I diversified?)
Reply With Quote
  #8  
Old 10-01-2012, 01:22 PM
vibui vibui is offline
Registered User
Location: Atlanta
 
Join Date: Oct 2012
Posts: 13
Mein Auto: 2013 535i
Yea, I've gone back and forth on this. I don't drive all that much - maybe 10 miles each way to work and back. I only have 93k miles on my M5 and its a MY2000 (although I've started driving a bit more recently). I got the Msports package so I do have the 19 inch wheels. That's what's worrying me a bit. Wheels actually aren't that expensive to fix. I was more worried about the tire bubbles and such. If people think its not that big of a deal, I'll probably pass.
Reply With Quote
  #9  
Old 10-01-2012, 01:52 PM
bimmerific bimmerific is offline
Officially Welcomed to the 'Fest
Location: Northern NJ/Metro NYC
 
Join Date: Jul 2011
Posts: 136
Mein Auto: 2011 535ix
Welcome to Bimmerfest, Vibui, and congratulations on your new F10--(incidentally, nice exterior and interior color selections!)

Since I am writing this response on my iPad, and cannot see if your "signature clip" describes the configuration of your new 5'er, I would suggest you consider the tire and wheel insurance only if your vehicle will be delivered with 19" Goodyear LS2 RFT's, which typically have been spec'd with some versions of BMW's sport packages. There are any number of threads on Bimmerfest, dating back to the F10's introduction in 2011, which discuss the issues with these tires, such as bubbles and bent rims, caused by potholes, but particularly when they've been paired with vehicles ordered with the dynamic handling package (DHP) and xDrive.

My 2011 535i was ordered with the "bread and butter" 8-speed transmission and xDrive, which arrived with 18" Conti RFT's. I have not experienced any of the reported problems in this configuration, and could not be happier with my vehicle's performance, which continues to improve! I had one flat tire, stemming from an embedded nail. It was replaced immediately, and without question, by my dealer. I purchased BMW's tire and wheel insurance (TWI) as part of BMW's ultimate protection plan, which I bundled with BMW's extended maintenance program at a discounted price. Your dealer's recommendation and quote seem reasonable. Quite honestly, if your vehicle arrives with the 18" Conti's, as mine did, I do not think you will benefit from TWI, other than the peace of mind it brings along with the convenience of having your tires replaced, one-stop, by your dealer. This has been my experience--and I can expect the same if I need to have minor issues with my wheels, rims, body panels, and the like, etc., addressed (refurbished, repaired, and/or replaced, as defined) under my TWI/Ultimate Protection Plan. As they say, "you never know," especially in my neck of the woods in Northern NJ/metro NYC, where the potholes are rampant, and the terrains, conditions, and weather can be equally unpredictable!

Enjoy your new car! I'm sure I speak for others who wish you the best, and look forward to your review.
__________________
His: 2011 535ix, Dark Graphite, Oyster/Black, ZAV, ZCV, ZCW, ZPP, Nav & Some Goodies
Hers: 2008 335ix Coupe, Space Gray, Dakota Gray, Loaded, Special Ordered ZKS (the Kitchen Sink)

Last edited by bimmerific; 10-01-2012 at 02:10 PM.
Reply With Quote
  #10  
Old 10-01-2012, 04:00 PM
Revelation19 Revelation19 is offline
Officially Welcomed to the 'Fest
Location: San Jose, CA
 
Join Date: Nov 2011
Posts: 128
Mein Auto: BMW 528i
Yes, another vote here for skipping the tire/wheel insurance. Pure profit for the dealership and insurance carrier. If you hit something hard enough to damage a wheel, there would probably other damage to the vehicle, all of which would be covered under your regular collision insurance clause.

Last edited by Revelation19; 10-01-2012 at 04:20 PM.
Reply With Quote
  #11  
Old 10-02-2012, 04:57 PM
dunccfp dunccfp is offline
Officially Welcomed to the 'Fest
Location: Long Island, NY
 
Join Date: Jul 2010
Posts: 463
Mein Auto: F10
Quote:
Originally Posted by Revelation19 View Post
Yes, another vote here for skipping the tire/wheel insurance. Pure profit for the dealership and insurance carrier. If you hit something hard enough to damage a wheel, there would probably other damage to the vehicle, all of which would be covered under your regular collision insurance clause.
Stupid inaccurate comment
Reply With Quote
  #12  
Old 10-06-2012, 10:52 PM
NCSUAlum NCSUAlum is offline
Go Wolfpack!
Location: NC, USA
 
Join Date: May 2007
Posts: 42
Mein Auto: 2011 535i xDrive
Get the coverage that covers driver-fault curb rash. I curbed a wheel hard 2k miles in, got it repaired for free. Has happened two more times as well since. I prefer the peace of mind.
Reply With Quote
  #13  
Old 10-07-2012, 05:04 AM
mg650 mg650 is offline
Officially Welcomed to the 'Fest
Location: NY
 
Join Date: Oct 2009
Posts: 140
Mein Auto: '13 550 XI and '11 335cv
I am in the nyc category referenced above and in my 335 vert once hit a pothole so bad that i badly bent one rim and damaged 2 tires. The shock even popped off the cover to the plastic cover for where the headlight washers would be(i dont have cold package). However, no suspension damage, and the car actually got me 40 miles back to the dealer. Total cost was 1300.

I still do not buy the wheel and tire package and didnt get it for my 550. Dealer puts a hard sell on it and says bmw loses money on it- i think thats a little hard to believe. Fact is in 8 or 9 years of driving bmw/mb's with low pro tires that is the first time that happened to me. I did bend several (3) rims on my E550 one winter but was able to get them straightened to the point where they comfortably balanced.

I put it under the heading of self insurance. I might pay a little more or a little less over time....but very unlikely i am going to be way off.
Reply With Quote
  #14  
Old 10-07-2012, 09:13 AM
DieselNY's Avatar
DieselNY DieselNY is offline
Mr Real Estate
Location: Westchester County, NY
 
Join Date: Oct 2012
Posts: 344
Mein Auto: 2013 BMW 535i Xdrive
Waste of money. I have a Mercedes and I do not have the insurance on it, the previous Mercedes I had the insurance and what a waste. Here is why. The rims on my car are like $990 each and if you damage the rims (CRACK THEM) then its money well spent but most people bend the rims. I do all the time and it is NOT covered. I bent 2 rims on drives side from a pot hole and I was only driving 35 miles per hour. I went to Mercedes and he told me because the rims are bent it is not covered...he told me to go crack my rims and come back and it will be covered. So instead of attempting that dumb move I called Allstate and they covered it. So instead of paying over $2,000 it cost me my $500 deductible. Actually to be honest my service guy fudged some numbers so in reality it cost me $150 out of pocket to my insurance.

Last edited by DieselNY; 10-07-2012 at 09:14 AM.
Reply With Quote
  #15  
Old 10-07-2012, 12:14 PM
ihumphrey ihumphrey is offline
Officially Welcomed to the 'Fest
Location: Dayton, OH
 
Join Date: Oct 2010
Posts: 559
Mein Auto: 2011 535ix and 2011 X5
Quote:
Originally Posted by NCSUAlum View Post
Get the coverage that covers driver-fault curb rash. I curbed a wheel hard 2k miles in, got it repaired for free. Has happened two more times as well since. I prefer the peace of mind.
It only costs $100-200 to repair a rashed rim to like new condition...I would not take the insurance...over time you will come out ahead.
Reply With Quote
  #16  
Old 10-07-2012, 05:52 PM
michaelfed32 michaelfed32 is offline
Registered User
Location: Cary, IL
 
Join Date: Mar 2011
Posts: 55
Mein Auto: 2011 m-sport 535xi
Just switch to non-run flats. I made this switch after my first bubble and hadn't had another bubble for 30,000 miles. It's a better ride as well..
Reply With Quote
Reply

Bookmarks

Tags
tire insurance


Forum Navigation
Go Back   Bimmerfest - BMW Forums > BMW Model Discussions > 5 Series > F10 / F11 (2011 - Current)
Today's Posts Search
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 On



Forum Jump


All times are GMT -7. The time now is 11:48 PM.


Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2014, vBulletin Solutions, Inc.
© 2001-2011 performanceIX, Inc. All Rights Reserved .: guidelines .:. privacy .:. terms