The aim of the paper is to propose and verify an effective method for the realistic modelling of pneumatic tyres. A static, three-dimensional model of a pneumatic tyre, based on the finite element (FE) program MARC, is presented. The cord-rubber composite was modelled by overlaying the elements characterizing the cord and those representing incompressible rubber. A two-dimensional model was used to simulate the tyre mounting and inflation process. The model was then developed into a three-dimensional one. The displacements, radial stiffness and delamination stresses caused by the vertical load were determined. The shape of the tyre footprint and the pressure distribution in this zone were also predicted. Good correlation between measured and computed stiffness characteristics was observed. The proposed technique of element overlaying yields a tyre model that is numerically more stable than that using only orthotropic elements (very stiff cord merged with compliant rubber).