i had a friend who told me of a friend that had tyre insurance, his tread was low, so he shoved a nail in it, let it go flat, then drove it so it scrubbed the edges badly, then claimed off it, they questioned it at first, but he explained that if the tyre goes flat or loses pressure then it would scrub the edges.
sounds fishy when i said a friend of a friend, but it wasnt me, i can get tyres pretty cheap and fit them myself, so never had a problem with getting them.