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Wheel and tyre insurance

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Was offered this when I got my new car on the weekend. Originally was about £500 for 3 years cover I think, then knocked it down to £360.

Supposedly it will cover 5 repairs or replacement tyres and up to 10 refurbishment of alloys. The alloys on the car do look like they'd scuff up pretty easily by a kerb!

Has anyone gone for this type of insurance and found it was worth having?

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