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X3 F25 (2011 - current)
The latest X3 brings some added style and some new features to the BMW SUV family. Talk about the new F25 now!

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  #1  
Old 01-05-2013, 08:26 AM
PsychDoc1 PsychDoc1 is offline
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Need For Wheel/Tire Insurance With 308 Rims?....

...My nephew just got the X3 (2.8) and was offered the wheel/tire insurance for $1200/3 years. I think he told me it had a $50 or $100 deductible for each claim. He declined. He has the 308 rims on 50 profile GY LS runflats.

I have a 535 and there are lots and lots of posts over on that board about bubbling problems of the GY LS with the optional 19" rims.

Just wondering if X3 owners have experience similar problems and if so, if there's a general sense of whether the tire/wheel insurance is a good thing to have.

TIA
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  #2  
Old 01-05-2013, 08:41 AM
noka noka is offline
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Quote:
Originally Posted by PsychDoc1 View Post
...My nephew just got the X3 (2.8) and was offered the wheel/tire insurance for $1200/3 years. I think he told me it had a $50 or $100 deductible for each claim. He declined. He has the 308 rims on 50 profile GY LS runflats.

I have a 535 and there are lots and lots of posts over on that board about bubbling problems of the GY LS with the optional 19" rims.

Just wondering if X3 owners have experience similar problems and if so, if there's a general sense of whether the tire/wheel insurance is a good thing to have.

TIA
I was quoted $1049 for 3 years and $1199 for 5-years. If I was getting it, the 5-yr policy makes more sense for the difference. Maybe it's negotiable. I'm thinking about getting it. Sure, I could self-insure but if the tires are that problematic and considering New England Winters, potholes in Spring, etc., it could end up being worth it. Like any insurance, you never really know. I was also told that it cannot be purchased after the sale (but a 3rd party insurance "CNA" was available instead) and that if I purchased the BMW Winter wheel/tire package, that would also be included under the BMW policy, whereas the 3rd party policy would not cover that. Still undecided but leaning towards the BMW policy.
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Last edited by noka; 01-05-2013 at 08:42 AM.
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  #3  
Old 01-05-2013, 09:04 AM
PsychDoc1 PsychDoc1 is offline
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Quote:
Originally Posted by noka View Post
I was quoted $1049 for 3 years and $1199 for 5-years. If I was getting it, the 5-yr policy makes more sense for the difference. Maybe it's negotiable. I'm thinking about getting it. Sure, I could self-insure but if the tires are that problematic and considering New England Winters, potholes in Spring, etc., it could end up being worth it. Like any insurance, you never really know. I was also told that it cannot be purchased after the sale (but a 3rd party insurance "CNA" was available instead) and that if I purchased the BMW Winter wheel/tire package, that would also be included under the BMW policy, whereas the 3rd party policy would not cover that. Still undecided but leaning towards the BMW policy.
Thanks for the info. I was also hoping current owners might be able to give some feedback re: how frequently there have been problems rfeported with the GY LS' on 18" rims (50 profile).
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  #4  
Old 01-05-2013, 09:31 AM
noka noka is offline
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Cannot comment on tire reliability yet. I just checked and dealer said $50 deductible per occurrence for BMW policy (but no deductible for the 3rd party policy, CNA) just to make the decision more challenging.
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  #5  
Old 01-05-2013, 10:27 AM
02420X3 02420X3 is offline
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There have been very few tire problems of any sort reported here. The ones that come to mind were of unusual wear patterns, and not the bubbling that has been reported elsewhere in the past.
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  #6  
Old 01-05-2013, 10:33 AM
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edbiology edbiology is offline
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Tires come with their own 1 year warranty. And run-flat tires have shorter life span, 30K~40K is what I heard. Say maybe you change them every 2 years, half of the time you are covered with the manufactural warranty. Along with the fact that local tire shops can actually repair minor run-flat tires damage, and the flexibility to get regular tires, I think $1200 road hazard insurance is not worth it.
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Old 01-05-2013, 10:55 AM
Want the Thrill Want the Thrill is offline
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I have not read of anyone having any problems with bubbling on the GY LS2's on the X3's. I have 19" GY LS2's and have not had any issues with them to date.
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Old 01-05-2013, 11:11 AM
noka noka is offline
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Quote:
Originally Posted by edbiology View Post
...and the flexibility to get regular tires,...
This is going a little OT but I have not seen much expert knowledge about BMW designing the suspension for run flats, nor how the performance could be impacted in a suspension stress situation when running non-run flats. I would like to know that but there are only opinions. I found the link below for reference but it is really independent and a little OT from the OP's question about whether wheel/tire insurance would be a good idea with the stock Goodyear RFTs.

http://forums.bimmerforums.com/forum....php?t=1837553
(...and of course, BMW has to say what they said)
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Last edited by noka; 01-05-2013 at 11:57 AM.
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  #9  
Old 01-08-2013, 05:56 AM
slambmw slambmw is offline
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I waived the insurance. Living near a large city and few if any rural areas will be visited, I've been fortunate to have 4 flats in 25 years, but 2 of the flats was moving into a new development with ongoing construction.

Consider RF tires will cost about $350--$500 each, the RIMs will not be damaged being able to drive another 50+ miles. Add the existing 1 year mfg tire warranty you already have coverage that will likely match or exceed the amount of insurance coverage for less money.
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  #10  
Old 01-08-2013, 06:10 AM
noka noka is offline
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Quote:
Originally Posted by slambmw View Post
I waived the insurance. Living near a large city and few if any rural areas will be visited, I've been fortunate to have 4 flats in 25 years, but 2 of the flats was moving into a new development with ongoing construction.

Consider RF tires will cost about $350--$500 each, the RIMs will not be damaged being able to drive another 50+ miles. Add the existing 1 year mfg tire warranty you already have coverage that will likely match or exceed the amount of insurance coverage for less money.
As mentioned above, no more road hazard warranty with OEM run flats (at least not in the US).
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