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Tyre Protect Add-On Cover in Car Insurance
Tyre Protection Add-On Cover is an optional car insurance add-on that helps cover accidental tyre damage, tyre replacement costs, tube replacement costs and related labour charges, subject to policy terms and conditions.
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It is available with Comprehensive Car Insurance and Own Damage Car Insurance, and helps bridge a coverage gap that is typically not covered under standard car insurance policies.
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What is Tyre Protection Add-On in Car Insurance?
A tyre protector cover is an optional add-on in car insurance that pays for the repair or replacement of your car tyres if they get damaged by road hazards or accidents. It also covers the labour costs involved in carrying, removing, refitting the tyre, etc., depending on the policy term s and conditions.
Tyres are among the most vulnerable parts of a vehicle and can be damaged by potholes, road debris, uneven surfaces, and other unexpected incidents. While a standard car insurance policy may cover tyre damage when it occurs as part of an insured accident that also damages the vehicle, standalone tyre damage is generally not covered.
To enhance your coverage against tyre-related losses, you can opt for a Tyre Protection Add-On Cover with your Comprehensive Car Insurance Policy or Own Damage Car Insurance Policy by paying an additional premium.
Is Tyre Damage Covered Under Standard Car Insurance?
Standard car insurance generally covers tyre damage only when it occurs as part of an insured accident that also causes damage to the vehicle. Standalone tyre damage caused by potholes, road hazards, cuts, bulges, or bursts is usually not covered.
What’s Covered Under Tyre Protection Add-On in Car Insurance?
Cost of Replacing Tyres
The cost of replacing the damaged tyre with a new one is included. The cost of replacing a damaged tyre varies depending on the type and size of the tyre. High-performance or specialty tyres can cost significantly more.
Labour Charges
The add-on covers labour charges incurred for removing the damaged tyre and fitting the replacement tyre. These expenses are payable when the tyre replacement claim is admissible under the policy.
Wheel Balancing Charges
If required as part of an approved tyre replacement claim, the cost of wheel balancing is covered under this add-on.
Accidental Damage to Tyres and Tubes
Accidental loss or damage to tyre and tubes which would in turn make the tyre unfit for use. This includes issues such as bulge in tyre, bursting of tyre and damage/cut to the tyre.
Scenario: Tyre Damage Caused by a Pothole
After heavy rainfall, a driver unknowingly hits a deep pothole hidden beneath a waterlogged road. The impact causes a bulge in the tyre sidewall, making the tyre unsafe to drive on and requiring immediate replacement. As the tyre has become unfit for use due to accidental damage, the Tyre Protection Add-On can help cover the cost of replacing the damaged tyre, along with applicable labour charges for tyre removal and fitting, subject to policy terms and conditions.
What’s Not Covered Under Tyre Protection Add-On in Car Insurance?
Cost of Puncture and Tyre Repair
Routine puncture repairs and regular tyre maintenance expenses such as alignment, rotation, and balancing are generally not covered under a Tyre Protection Add-On Cover.
Damage Due to a Manufacturing Defect or Unauthorized Service Centre
This damage may include issues like weak spots, improper bonding, or material flaws. So, if a tyre is damaged due to a manufacturing defect, it is typically covered under the manufacturer's warranty. However, if the damage is due to services provided by an unauthorized service centre, it may not be covered under the warranty.
Damage Due to Violations of Operating Instructions
Damage arising out of violations of operating instructions such as racing or rallying because high-speed driving can cause excessive wear and tear, overloading that can lead to structural damage, improper inflation, etc. Such damages can result in significant costs and are usually not covered under standard warranties.
Damage Due to Improper Storage or Transportation
Improper storage or transportation can lead to various types of damage, such as physical damage caused by dropping, rolling, or improper stacking, contamination caused by tyre exposure to chemicals or pollutants, damage from pests or insects, and more.
Routine Expenses
Routine maintenance ensures longevity and performance of tyres, such as wheel balancing, adjustment, alignment, etc. These expenses are not covered under this add-on.
Tyre Protection Add-On vs Standard Car Insurance
Coverage, exclusions, eligibility criteria, and claim settlement are subject to the policy wording and applicable terms and conditions.
Who Should Opt for Tyre Protect Cover?
Daily Commuters
The add-on is perfect for you if you travel daily by car, as then your tyres are subjected to regular wear and tear. Also, frequent driving also makes tyres more prone to damage due to road hazards like potholes, debris, and sharp objects. So, tyre protection add-oncan save you from unexpected repair costs.
New Car Owners
If you are a proud owner of a new car, you must be obsessed with maintaining its top-notch condition. This tyre protection add-on ensures just that – it covers any damage to your new tyres, preserving the value and performance of your car’s tyres.
Long-Distance Travellers
If you often travel long distances, such as driving from one state to another, your tyres are exposed to varying road conditions and extended periods of use. This increases the risk of tyre damage. So, a tyre protection add-on is a must as provides peace of mind during long journeys.
Residents of Hilly Areas
If you live in hilly areas, you are aware that harsher road conditions, including rough terrain, sharp turns, and steep inclines can accelerate tyre wear and tear. In such cases, tyre protection add-on covers you financially against this damage.
People Living in Accident-Prone Areas
Living in areas with higher accident rates means a greater risk of tyre damage from collisions or road debris. Tyre protection ensures that you are covered for any damage resulting from such incidents, reducing the financial burden of repairs or replacements.
Scenario: Tyre Burst After Hitting a Road Divider
While driving through city traffic, a driver swerves to avoid a sudden obstacle and accidentally hits a road divider. The impact causes the tyre to burst, making the vehicle unsafe to drive until the tyre is replaced. In such situations, a Tyre Protection Add-On can help cover the cost of replacing the damaged tyre and the associated labour charges, subject to policy terms and conditions.
How to File a Claim Under Tyre Protection Add-On Cover?
If your tyre gets damaged due to an accidental event covered under the policy, inform your insurer as soon as possible and share the details of the incident. The insurer may request photographs of the damaged tyre and inspect the damage before approving the claim. Once approved, you can get the tyre replaced at an authorised workshop and submit the required documents and invoices. The claim will then be processed and settled as per the policy terms and conditions.
What are the Common Reasons for Tyre Damage in India?
Indian roads and driving conditions can expose tyres to a variety of hazards, increasing the risk of accidental damage and premature replacement. Some of the most common reasons why car tyres get damaged include:
Potholes and damaged road surfaces
Waterlogged roads that conceal road hazards
Sharp objects such as nails, glass, and metal debris
Accidental impact with kerbs, medians, or road dividers
Uneven roads and rough terrain
Sudden braking or impact from road obstacles
Overloading the vehicle beyond its recommended capacity
Incorrect tyre pressure leading to tyre stress and damage
Sidewall impacts caused by road hazards
Tyre bursts resulting from severe accidental impacts or road conditions
FAQs about Tyre Protection Add-On Cover in Car Insurance
What is tyre protection in car insurance?
A tyre protector cover is an add-on in car insurance that covers the cost of repairing or replacing damaged tyres due to accidents or road hazards. It can be bought along with your comprehensive or own damage policy.
What is included in tyre cover for cars?
Tyre insurance generally covers damage to tyres from punctures, cuts, bursts, impact bulges, etc. It may also cover labour charges for refitting and balancing the wheels.
Are tyres covered under bumper-to-bumper insurance?
No, tyres are NOT covered under bumper-to-bumper insurance as it does not include wear-and-tear to car tyres.
At what tread depth is 75% of the tyre replacement cost reimbursed?
Around 75% of the tyre replacement cost is reimbursed when the tread depth is between 5 mm and 7 mm.
Is a tyre burst covered by tyre insurance?
A tyre burst is not covered under the base policy unless it results from accidental damage.
Does tyre protection insurance add-on cover theft or vandalism?
Generally, tyre protection add-ons do NOT cover losses due to theft, vandalism, or any illegal activities.
Can I buy tyre protection add-on with third-party car insurance?
No, this add-on cannot be purchased with third-party car insurance. It is only available with comprehensive or own damage car insurance at an additional premium.
Can I upgrade my existing car tyres during a claim?
Typically, the damaged tyre is replaced with a new equivalent tyre of similar model or specification, as per the insurer's terms and conditions. However, the cost of replacement cannot exceed the specified limit.
Will a noisy or vibrating tyre be covered under tyre protector add-on?
If a scratched tyre causes noise or vibrations but does not affect the car's performance or function, then it will not be covered under the tyre protection insurance.
How can I purchase a tyre protection add-on for car insurance?
You can buy tyre secure in car insurance either offline or online with Digit, at the time of purchasing a comprehensive or own damage car insurance policy.
Is a Tyre Protection Add-On Worth Buying?
Yes, a Tyre Protection Add-On can be useful for drivers who frequently travel on roads with potholes, construction debris, uneven surfaces, or other road hazards. It helps reduce out-of-pocket expenses arising from accidental tyre damage that is typically not covered under standard car insurance.
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