Alloy insurance

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Jambo
Posts: 7
Joined: Thu Jan 30, 2020 11:16 pm
Location: Reading

Alloy insurance

Post by Jambo » Tue Jun 16, 2020 12:09 pm

Hi all

Keen to get views on taking out alloy insurance for my new Kodiaq through the dealer. It is something I am keen on but don’t have much experience with this specific form of insurance. Dealer offer that I’m looking at is max 12 claims within 24 months for £200. Are there any other providers out there that come highly recommended before i give the dealer my coin?
1.5 TSI DSG Edition in Petrol Blue + Triglav gloss Black alloys + Virtual cockpit + Panoramic sunroof + Driver Assistance pack + Rear camera. Delivered June 2020

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Zach
Posts: 1003
Joined: Wed Nov 02, 2016 6:55 am
Location: Waikato, New Zealand

Re: Alloy insurance

Post by Zach » Tue Jun 16, 2020 12:41 pm

With the 19" Triglavs, I wouldn't bother to be honest. The tyre sticks out past the actual rim by almost around 2cm anyways, so you'd really have to be trying to kerb your rim if you manage to scuff it. Now if you had the 20" rims then the £200 seems rather reasonable.
BW35 2019 Kodiaq RS 5 seater in Brilliant Silver + Ignite rims, Sunroof, Direct TPMS, Acoustic Windows

FoxtrotAlpha
Posts: 868
Joined: Thu Jun 22, 2017 10:57 am

Re: Alloy insurance

Post by FoxtrotAlpha » Tue Jun 16, 2020 5:36 pm

You are looking at between £150-£260 in the UK for 19” Triglav rims. The cheaper ones are on eBay the more expensive are dealer supply and for anthracite versions.

I have 20” rims on mine and one was slightly damaged on a rough road due to the low profile rime and quite a large stone. That’s life I guess, but it does show that depending where you live and the roads you drive on will really dictate the risk and if it’s worthwhile. The damage on mine is difficult to see and repairable so not too worried until it’s returned.

Would be interesting to know what the best price you get quoted is.
It's a 'Kodiaq' and not a 'Bear' unless you are 5 years old.
Kodiaq Sportline - 150 TDI - DSG 4 x 4 - Quartz Grey

Pink72
Posts: 113
Joined: Mon Jan 01, 2018 6:12 pm
Location: Hampshire

Re: Alloy insurance

Post by Pink72 » Wed Jun 17, 2020 9:40 am

Again with 19" Triglavs the tyre wall protrudes and is deep enough to avoid scuffing. 3 years and not a mark. Depends on alloy size and tyre.
Kodiaq 2.0tdi 190 4x4 DSG quartz metallic - canton, heated steering wheel, screen & rear seats, ambient light, media cmd, personalisation drive mode, front parking sensors, tri zone climate control, vico opia2 cash cam, Thule wingbars.

FoxtrotAlpha
Posts: 868
Joined: Thu Jun 22, 2017 10:57 am

Re: Alloy insurance

Post by FoxtrotAlpha » Wed Jun 17, 2020 9:59 am

Pink72 wrote:
Wed Jun 17, 2020 9:40 am
Again with 19" Triglavs the tyre wall protrudes and is deep enough to avoid scuffing. 3 years and not a mark. Depends on alloy size and tyre.
I had 19" Triglavs on my old Kodiaq and you are right the tyre wall does offer some protection but not 100%, it wont protect against a kerb if attacked from the right direction or speed.

I take mine down tracks where I live which are not great as they are quite rocky, I did get some damage to the triglavs but not on the rim edge as you would expect due to the spokes.

We also have some stunning potholes on our roads which would also take out an alloy, seen it gone twice on the same pothole (not by me). I reported that last November and it still gets bigger.

If you are a city dweller and rarely take it off tarmac then I would agree with you but if you do live more rural then it maybe worth it. All depends on your circumstances.

Although there was slight damage to those alloy Skoda took it back with no complaints so all was good.
It's a 'Kodiaq' and not a 'Bear' unless you are 5 years old.
Kodiaq Sportline - 150 TDI - DSG 4 x 4 - Quartz Grey

scratch113
Posts: 173
Joined: Fri Jan 25, 2019 7:59 pm
Location: South West UK

Re: Alloy insurance

Post by scratch113 » Wed Jun 17, 2020 4:58 pm

Not sure I'd bother - I didn't for my car and I've got the 20" Vega alloys on the Sportline. 18 months in and I haven't damaged one yet.

D'Oh! That's the curse put on them now I've said it!!!

Then again, when I park it's only a short walk to the kerb...
;) :lol:

On the other hand I did take the cosmetic damage insurance that was offered and have used it as well - my son drove the handle of his scooter into the front wing when I was parked in the car park at the local park and took a big chunk of paint off, right through to the white undercoat. Entire panel resprayed and it only cost me the £25 excess. It allows for a maximum of 4 claims over the 4 years it runs for up to a total maximum claim of £3000. Can't remember the quoted cost, but it was more than offset by the discount offered on the car, so decided to take it. Also took GAP and paint protection - again, same reasoning that they were effectively "free" as the discount wasn't as good if I didn't take them, so bit of a no-brainer really!
New car: Kodiaq Sportline 2.0TDI 190 4x4 DSG
Previous:
2016 LR Disco Sport HSE Lux
2008 Audi A5 3.0TDI
2003 Audi S4 4.2 V8
1998 Audi A4 2.8 quattro
1995 Audi A4 1.8T Sport
1992 VW Golf Mk3 1.9 TD
1990 Ford Escort Mk5 1.6 LX
1983 Vauxhall Astra Mk1 1.3 S

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