What is Tyre Protector Add-On Cover in Car Insurance & It's Benefits?

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Meaning of Tyre Protect Add-On Cover in Car Insurance & 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 Own Damage Car Insurance by paying an additional premium.

What’s Covered Under Tyre Protection Add-On in Car Insurance?

Cost of Replacing Tyre 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 Labour charges toward removing, refitting and rebalancing of the tyre. These services typically include removing the old tyre, fitting the new one, and balancing it to ensure smooth driving.

Accidental Loss or Damage to Tyre 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.

What’s Not Covered Under Tyre Protection Add-On in Car Insurance?

Cost of Puncture and Tyre Repair

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.

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.

Who is It Perfect for?

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.

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.