If it's a lease car you shoulda/coulda had wheel/tire insurance
 

My daughter's A3 got a new tire from a puncture and others have new wheels from potholes. The cost of alloys/tires just about requires insurance, much like iPhone insurance (I'd rather pay a few bux up front and have peace of mind.

"Few bux". My dealer wanted 1,200 for 5yr. Having never scrapped a curb, I declined the insurance.

If you consider that it costs $200 to fix and you don’t have to deal with deductibles and fine print I’m sure it makes sense on average to decline it.

That is why I declined it.

Yes, like all insurances, on average, we are better off without them.

As someone who always buys AppleCare — and only had to use it several times over 10+ years — I bought the wheel & tire insurance on my RSX. It more than paid for itself when I had to replace 2 16” tires and black chrome wheels in the first year of ownership of that vehicle.

Consequently, with the 19” wheels and tires, I also ponied up the money to buy the wheel, tire & key fob insurance on the S5. So far I haven’t utilized it but with the condition of the roads down here (especially potholes) I’d be very surprised if I don’t use it at some point(s) in the future.

It may not be for everyone but it’s worth the price to me.

— John