Insurance covers spare tire? – Afrilatest

Have you had your spare tire stolen or robbed and are unsure whether your insurance will cover the loss? Find out how this coverage works and whether it is valid for this service.

Having your spare tire stolen can cause significant damage, depending on the tire model.

Therefore, it is good to be aware of whether your car insurance covers the spare tire if you have reached the deductible.

According to a survey carried out by the company CarGlass, theft or robbery of spare tires accounts for 40% of all incidents involving vehicles in the country.

In addition to this high rate, if you have already experienced this problem, you know that replacing this item yourself can be a bit of a headache.

In this article we will explain whether insurance covers a spare tire and how situations involving this item in your vehicle work.

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Does insurance cover a spare tire?

The answer to this question is yes, as long as the cost of replacing the spare tire along with other vehicle repairs exceeds the deductible price.

If so, you just need to contact the insurance company and pay the deductible.

The insurance will cover the repair costs and also the replacement of the spare tire.

However, if only the spare tire is stolen, as happens mainly with cars that are parked in outdoor areas, there will be no way to activate the insurance, since the value of the spare tire is below the deductible price.

There is the possibility of purchasing additional coverage just for the spare tire, but most of the market has not yet adopted this new feature.

Also, bear in mind that this may be an unnecessary extra cost for you, and is more suitable for those who have a car in which the spare tire is located outside the vehicle.

How to include spare tire protection in insurance?

If you have a car model whose tires and wheels are very expensive or difficult to find, it may be interesting to have extra protection for this part of your car.

Preventing the theft of a spare tire is not always easy, especially if you own a car model where it is very visible.

However, you can protect yourself from this headache by taking out extra coverage for your car's wheels and tires, for example, but you will have to assess whether this will be worth it in your case.

How to prevent spare tire theft?

The best ways to avoid this type of problem are: investing in a security lock and installing chains and padlocks.

These attitudes will help to inhibit the thief's actions.

There is even a spare tire alarm that is sold on the market.

Furthermore, following safety guidelines, such as always parking your vehicle in a safe or busy location, means you don't have to worry about this problem.

If your car has a very expensive spare tire, it is worth finding out more about additional coverage for tires and spare tires before signing your auto insurance policy.

This way, you can rest easy knowing that if something happens to your spare tire, you will have insurance coverage to resolve the problem.