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It’s a form of locking in customers. If I get a flat that I can’t plug myself, I don’t necessarily want to have to go back to any particular tire chain and argue over whether the tire is 55% worn or 45% worn.

We once got the tire policy included at no cost during a promotion. Got a flat that I couldn’t plug. I measured the tread with my treadwear gauge and unsurprisingly, their measurements came up short. When I pulled out my gauge and insisted we go out to check them, low and behold it turns out the tech had “made an honest mistake”.

Why? Do more than 1 in 10 of your tyres get punctured within (checks DuckDuckGo) 3 years of installation?

At one apartment/job combo I would manage to lose a tire every 7-10 months.

Bonus points; I drive an AWD vehicle that requires replacement of all 4 tires if tread is too worn. When this happened I only had to pay prorated on the other 3... definitely paid for itself every time!

(We also have nasty roads in my state, fwiw...)

I assume you're referring to tire insurance or something similar?