Tyre and rim insurance covers: tyre blowouts, punctures that cannot be repaired, tyre damage from road hazards (potholes, sharp objects), rim damage from kerb strikes and road damage, and mag wheel damage. Standard comprehensive car insurance excludes tyre damage unless caused by a covered event like an accident.

Given South Africa's pothole-heavy road conditions, tyre and rim insurance is considered high value. A single premium tyre replacement on a mid-range vehicle costs R1,500–R4,000+. Rim repairs or replacements range from R800–R5,000+ per wheel. One incident typically pays for a year or more of premiums.

No. Standard comprehensive car insurance excludes tyre and rim damage caused by road hazards, potholes, blowouts, or normal driving incidents. Tyre and rim damage is only covered under comprehensive insurance if the tyre damage occurs as a direct result of an insured accident event.

Most tyre and rim policies cover individual tyre or rim replacement per incident, with a specified annual claim limit (e.g., 4–8 tyres per year). Some policies cover all four tyres if the set must be replaced for fitment reasons. Check your specific policy terms for per-claim and annual limits.