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Tyre Protect Add-On Cover in Car Insurance: Meaning & Coverage Explained
Tyres are the shoes of your car and probably that one component that takes the most abuse. Apart from shouldering the entire weight of your vehicle and not to mention its occupants, tyres are subjected to all the abuse of varied road surfaces. And lest we say, considering the road conditions in India, you can only imagine the torture your tyres go through😊!
So, getting car insurance with tyre protection cover in a country with unforgiving road conditions makes complete sense! And here’s why:
Modern day car tyres don’t come cheap. The more expensive the car, the more expensive the tyres. Not to mention, our infamous potholes and broken roads, can damage the tyre when we can least expect it and can least afford it!
What is Tyre Protection Add-On in Car Insurance?
Tyre Protector Cover in car insurance is an add-on that provides financial coverage for the repair and replacement costs for damaged or missing tyres of the insured car. It also covers the labour costs involved in carrying, removing, refitting the tyre, etc.
Since the standard car insurance plans do not cover damage to car tyres, so to protect your tyres and enhance their coverage, you can opt for tyre protection insurance add-on along with your Comprehensive Car Insurance Policy or Standalone Own Damage or OD cover by paying an additional premium.
What’s Covered Under Tyre Protection Cover Add-On?
What’s Not Covered?
The cost of repairing a punctured tyre varies based on the severity and location of the damage, which is why it is not included in this add-on. Also, more complex repairs, such as sidewall damage, can be more expensive and might require tyre replacement.
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 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.
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 maintenance ensures longevity and performance of tyres, such as wheel balancing, adjustment, alignment, etc. These expenses are not covered under this add-on.
How to Buy Tyre Protect Add-on in Car Insurance with Digit?
Step 1
On the Digit app or website, enter your car’s registration number and mobile number, and click on ‘View Prices’.
Step 2
Select the insurance plan, IDV and choose the Tyre Protect add-on cover. Click on ‘Continue.’
Step 3
Enter your personal, nominee and vehicle details and click on ‘Pay Now.’
Step 4
Complete the payment and mandatory KYC verification process.
Step 5
You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
How to File a Claim for Tyre Protection Cover in Car Insurance?
Step 1
Download the Digit App and go to ‘File Motor Claim’ option.
Step 2
Provide all the required details related to accident and damage.
Step 3
Enter your personal details and click on ‘Register Claim’ button.
Step 4
That's it! Your claim has been registered successfully, and you will receive the next steps on your email and WhatsApp.
Who is It Perfect for?
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.
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.
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.
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.
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.
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.