Owners of cars from certain brands could find themselves at risk of paying higher insurance premiums, according to the latest data.
New research has uncovered that owners of premium car brands face substantially higher risks of alloy wheel damage compared to those driving mainstream vehicles.
Data analysis reveals that Tesla drivers make an average of three insurance claims during their policy period for wheel damage.
The study examined alloy wheel insurance claims across various car manufacturers, with the findings showing a stark divide between luxury and mainstream brands.
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Drivers of certain vehicles are more likely to file an insurance claim for their alloys
GETTY
Nearly 85 per cent of alloy wheel insurance policyholders will submit a claim, but the distribution is heavily skewed towards premium vehicles.
Tesla, Porsche and Land Rover emerged as the brands with the highest proportion of alloy wheel claims in the analysis from Intelligent Motoring.
At the opposite end of the spectrum, mainstream manufacturers including Hyundai, Kia and Renault recorded the fewest claims.
While fewer than 10 per cent of MG owners ever submit an alloy wheel claim, the average Tesla driver files three claims throughout their policy period.
The expert urged motorists to look after their alloys
GETTYThe majority of claims result from kerb damage, which presents a particular hazard for premium and electric vehicles equipped with low-profile tyres.
Duncan McClure Fisher, CEO of Intelligent Motoring, explains: "There are several reasons premium vehicles are more at risk of alloy damage.
"Their larger wheels and low-profile tyres have a higher chance of hitting a kerb and offer less cushioning against potholes.
"Luxury and electric vehicles are also heavier, while performance-oriented vehicles have stiffer suspension, which increases the amount of force absorbed by the wheels themselves, leading to more damage."
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The expert also suggested that the higher rates for premium cars could stem from owners wanting to "keep their pride and joy in pristine condition".
He noted that urban driving conditions compound the problem, with potholes, speed bumps and tight parking spaces presenting additional challenges.
McClure Fisher advises several protective measures: "However, there are some things drivers can do to reduce the risk, such as using wheel protectors or ceramic coating, driving more cautiously on uneven surfaces and when manoeuvring close to kerbs.
"Of course, alloy wheel insurance is another important protection against the financial impact of damaged wheels, especially for premium vehicles."
Tesla owners are most likely to file an insurance claim
TESLAAdditional recommendations include using mirrors and parking sensors when parallel parking, maintaining proper tyre pressure, and avoiding harsh automated car washes.
He also said drivers should consider rim protectors that create a barrier between wheels and kerbs, and apply ceramic coatings to guard against minor scratches and brake dust.
Most insurance claims by vehicle brand
- Tesla
- Mini
- Porsche
- BMW
- Land Rover
Fewest insurance claims by vehicle brand
- Renault
- Toyota
- Kia
- Hyundai
- MG
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