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What is the process when making a Tyre Insurance claim?
Making a claim on a Totallossgap.co.uk Tyre Insurance policy couldn't be easier. Below we will go into detail on what's involved when making a claim and describe exactly what you have to do in step by step example. We must highlight that not all Tyre Insurance policies will perform in the same way and each different insurance policy and provider will have their own claims procedure.
With Tyre Insurance, there are two different claims procedures, one within claims team hours and one outside of claims team hours. The dedicated claims team opening hours are Monday - Friday: 9am - 5pm. If you are fortunate enough to make a claim within these hours, please read the below procedure. If you need to make a claim outside of the claims team opening hours, again, please see the procedure below. The reason we have the two separate procedures is because it's imperative, in most cases, for the tyre to be repaired or replaced in order for the vehicle to be road worthy and useable.
Upon suffering a puncture, simply contact the claims team on either 0114 321 9877 / 0845 345 2549. The claims team will then ask you for a few things in order to locate your policy and to ensure that it's an eligible claim. The claims team will ask for your vehicle registration number, policy number and the approximate current mileage on the vehicle.
The claims team will then ask for further details on the damage and how it may have occurred, depending on the damage, the claims team may then also require photographs of the damage to again ensure that it's a valid claim. If the damage is malicious, you must have a crime reference number which is provided by the Police when you report the issue. Tyre Insurance claims have national retailer Halfords Autocentre on account, in most cases there will be no need for you to pay the repairer as we will pay them directly upto the repair or replacement cost.
There is a £10 excess for you to pay per claim, however, in the event of the repairer charging a call out fee, you will instead pay the call out fee and the excess will be waived under these circumstances.
Of course we understand that you may have an issue with your tyre that falls outside the hours of work of our claims team. We do not expect that you be immobile until the claims team reopens so we have a procedure we would ask you to follow.
If the claims team are unavailable then we are happy for you to arrange the repair, or replacement of the tyre yourself. This will mean that you would have to pay the tyre specialist directly and then place the claim for reimbursement when the claims team are back open.
Who should you use for a tyre repair or replacement?
The first place you should alway try is a Halfords Autocentre. You can find the closest one to you via this link:
The claims team have a close relationship with the Halfords chain so this means any subsequant claim for reimbursement by yourself should not have any undue delays.
If there is no suitable Halfords outlet close to you then you can go to any VAT registered tyre retailer, pay for the repair or replacement yourself and then contact our claims team, to begin the claim for reimbursement, when they are next open.
Under all circumstances you must take photographs of the damaged tyre before having the puncture repaired and if the tyre needs replacing, yout ask the garage to keep hold of the tyre for inspection purposes. The claims administrator reserves the right to inspect the tyre and the vehicle under these circumstances. Of course when making a claim outside of the claims team hours, you would have to pay for the repair or replacement tyre and then follow the procedure above and then we can go down the reimbursement route. The reimbursed amount will be subject the excess amount of £10 and therefore any refunded amount will be less the £10 excess.
If you are making a claim within the claims team opening hours, you must always follow the above opening hours procedure. If you are unsure on any of the above, please don't hesitate to contact a member of our award winning customer service team on either 0800 195 4926/0151 647 7556 and any member of the team would be more than happy to assist. Our opening times are slightly different to the claims team, we are open Monday - Friday: 9am - 6pm and Saturday: 10am - 4pm. Whilst we don't have the authority to authorise a claim, we do have the ability to advise where possible the correct procedure for you to follow.
Your policy is fully FCA regulated and backed by the Financial Services Compensation Scheme.
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