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Quikfit only charge £17 so if theres a £10 excess is doesnt seem so worth it.

Bingo. insurance wins.

Doesn't state equivelant replacements, and also - should your tyre need replacing, the same axle should be replaced at the same time anyway.

18" tyres are crashing in price (in fact mytyres start at about £65 now..)
 
Cost me £10 at Quickfit a few weeks ago, to get a nail puncture repaired.