Everything You Need to Know About Tyre Cover In Car Insurance
Tyres are one of the most important parts of your car, yet they are usually left unprotected in a regular car insurance policy. Your car’s tyres can get punctured, burst, or cut at any time, leading to costly repairs or replacements. That’s why it is always good to purchase a Tyre Cover. It offers financial protection against unexpected tyre damage and helps you stay stress-free on the road.
In this article, we will discuss what tyre cover is in car insurance, why you need it, and how it adds extra coverage to your car policy.
What is a Tyre Protector in Car Insurance?
Tyre Protection Cover is an add-on to your car insurance that covers the cost of repair or replacement of damaged or lost tyres. This add-on becomes very useful as the normal car insurance doesn’t cover tyre damage. It is available at an additional cost to your comprehensive or own-damage car insurance policy.
Additionally, the cover typically includes labour charges related to tyre replacement or repair, which are often excluded from regular car insurance policies. This add-on is a valuable option for anyone who wants to keep their car in good condition without any unexpected financial stress.
Benefits of Tyre Protection Cover in Car Insurance
Some of the major benefits of this add-on are as follows:
- It protects you against tyre damage, repair, or replacement costs.
- It covers labour charges for tyre repair or replacement.
- It covers damage like cuts, bulging, and wear and tear.
- It is perfect for drivers in areas with poor road conditions.
- It reduces costs for tyre replacements.
- It ensures coverage for unexpected tyre damage.
- It maintains your tyres in good condition.
Who Should Buy a Tyre Cover in Car Insurance?
The following people are suggested to buy a tyre car cover in car insurance for better financial security in case of damage:
- People who drive daily.
- People who live in hilly areas.
- Frequent mountain travelers.
- New car owners.
- Residents of accident-prone areas.
- Long-distance travelers.
Inclusions of Tyre Cover in Car Insurance
Some of the inclusions of tyre cover in car insurance are as follows:
- Cost of Repairing or Replacing Tyres: Tyre cover insurance covers repairing damages like cracks, bulges, and cuts, or buying a new tyre if needed.
- Labour Costs for Tyre Work: This cover includes the labour cost of removing, refitting, and rebalancing tyres during repair or replacement.
- Accidental Damage or Loss: Protects against the damage caused at the time of accidents such as bulges, cracks, bursts, cuts, or crushing that make the tyre unsafe for driving.
Exclusions of Tyre Cover in Insurance
Here are some of the exclusions of the tyre protection cover:
- Normal Wear and Tear: Damage from regular use is not covered.
- Punctures: Minor repairs from punctures aren’t included.
- Unauthorized Repairs: Damage from bad repairs in unauthorized garages is not covered.
- Manufacturing Defects: Tyre defects from manufacturing are not covered.
- Improper Storage: Damage from incorrect storage or transport isn’t covered.
- Excess Weight: Damage caused by overloading the vehicle isn’t covered.
- Tyres After Full Life: Damage to tyres used beyond their recommended lifespan isn’t covered.
- Mismatched Tyre Batch Numbers: Damage to tyres with a different batch number from the policy isn’t covered.
- Theft of Tyre: Theft of the tyre itself isn’t covered.
- Damage to other parts: Damage to rims, accessories, or suspension is not covered.
- Vehicle Damage Due to Tyre Issues: Damage to the vehicle caused by tyre issues is not covered.
How to Claim Tyre Protection Cover in Car Insurance?
Here is the process to claim your tyre cover in car insurance:
Step 1: Inform Your Insurer
Report the tyre damage to your insurance company immediately.
Step 2: Record the Damage
Take clear photos of the damaged tyre for proof.
Step 3: Submit Your Claim
Share all required documents, including repair bills and photos, with your insurer.
Step 4: Repair or Replace the Tyre
Once the claim is approved, get the tyre repaired or replaced at an authorised service centre or cashless network garage.
How is the Claim for Tyre Protection Cover Calculated?
The Insurance Regulatory and Development Authority of India has set a loss settlement criterion for car tyres. The insurer must follow these guidelines when determining the claim amount.
| Average Residual Tread Depth of the Tyre at the Time of Damage | Admissible Claim Amount (% of the cost of the new tyre) |
|---|---|
| More than or equal to 7 mm | 100% |
| More than or equal to 6.5 and less than or equal to 6.9 mm | 85% |
| More than or equal to 5 and less than or equal to 6.4 mm | 75% |
| More than or equal to 3 and less than or equal to 4.9 mm | 50% |
| Less than 3 mm | NIL |
Conclusion
Adding a Tyre Cover to your car insurance is a smart choice to avoid unexpected repair or replacement costs. It gives you peace of mind, financial protection, and helps keep your car in good condition. Now that you know how it works, you can drive confidently, knowing you're fully covered.
If you are someone looking forward to purchasing this add-on or buying car insurance online, feel free to contact us through our customer care number. We will love to help you!
What is tyre protection cover in car insurance?
Tyre Protection Cover is an add-on to your car insurance that covers the cost of repairing or replacing damaged or lost tyres.
What kind of tyre damage is covered?
The cover includes damage such as cuts, bulging, burst tyres, and wear and tear.
Are there any exclusions to this cover?
The cover doesn’t apply to tyre damage caused by manufacturing carelessness, misuse, or improper storage.
Does the cover include new and old tyres?
Yes, it generally covers new and old tyres. Read the policy details completely to know the inclusions and exclusions of a particular car insurer.
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