Optimal tyre storage and insurance cover
Secure your tyres.
Are your summer or winter tyres insured during storage? This guide will tell you which insurance policies apply, who is liable in the event of damage, and what you should pay attention to when storing tyres.
Recommendations for customers and businesses
Expert advice for safe tyre storage
Our experts recommend regularly checking your tyre insurance cover and ensuring all storage conditions are documented. Use standardised contracts and record your tyres with photos and data.
For custodian companies, it is essential to regularly review and adjust insurance policies. Implement security measures such as video surveillance and access controls to strengthen customer confidence and minimise risks.
Why is insurance cover important for stored tyres?
Storing summer or winter tyres has long been routine for many drivers. But when it comes to the topic Insurance cover uncertainty often prevails:
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Does car insurance cover stored tyres?
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What happens in case of theft?
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Who is liable – the customer or the business?
Just at high-quality wheel rims or complete wheels A small problem can quickly become expensive. Therefore, the rule is: Check insurance, secure risks and document carefully.
Who is liable for theft or damage to stored tyres?
Customer page: Motor and household insurance in focus
❌ Error: Kfz-Teilkasko or Vollkasko usually cover Parts fitted solely to the vehicle but not loose tyres.
✅ Solution:
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Check external insurance: Some car insurers offer optional cover for outsourced parts.
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Contents insurance Wenn die Reifen im private basement or garage Can be stored, can be seized – however, this is only possible with the corresponding contractual content and burglary.
Custodial undertakings: insurance in respect of business contents insurance
If storage is handled by a business (e.g. car dealership, tyre retailer), responsibility lies with the service provider.
Important:
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The protection is mostly provided by Business Contents Insurance.
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Attention: Not all policies automatically include customer property.
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Recommendation: Check insurance cover and adjust if necessary – especially with expensive tyre sets.
2. What to do in case of damage?
Documentation: The most important step
One Complete documentation protects all parties involved. Recommended is:
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Photos of the tyres and wheels
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Record serial numbers
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Handover protocol with signature
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Secure storage agreement
In case of theft:
For customers:
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Review contract If a custody agreement exists, you are generally entitled to compensation.
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Include contents insurance: When stored in your own basement or garage.
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Report damage Inform the police, contact the business.
For custodians:
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Liability: Demonstrable breach of duty (e.g. inadequate security) leads to liability.
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Insurance cover Comprehensive contents insurance, including customer property, is mandatory.
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Reporting obligation Theft must be reported to the police immediately and communicated to the customer.
3. Recommendations from the Experts' Perspective
Trust is built through prevention and transparency. That's why we recommend:
For customers:
- Check car and household insurance
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Document storage in writing
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Act quickly in the event of a claim
For custodians:
- Review and adjust insurance regularly
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Use standardised custody agreements
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Capture wheels with photos and data
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Implement security measures (e.g., video surveillance, access controls)
The importance of clear rules
Conclusion: Clear rules and insurance cover are crucial
Whether Private or commercialWhen storing tyres, one should consider insurance cover not leave it to chance. Clear contracts, suitable insurance, and thorough documentation can minimise risks – and build lasting trust.
Frequently asked questions about tyre storage
Are my tyres insured while in storage?
Tyres are only covered by motor insurance when they are fitted to the vehicle. Separate insurance is required for externally stored tyres.
What happens in case of theft from a garage?
Home contents insurance will cover it, provided the garage is included in the insurance policy. Otherwise, additional cover is necessary.
What proof do I need for storage?
A deposit agreement, photographs, a handover protocol and a storage invoice are helpful to prove storage.
Is the tyre dealer liable if insurance is missing?
Yes, the dealer is personally liable if they have breached their duty of care and there is no insurance.
How can I check my insurance?
Regularly review your insurance policy terms and conditions and adjust them as needed to ensure all risks are covered.
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