Tyre Protection Cover in Car Insurance

Tyre protector cover offers the insured protection against any accidental loss or damage to their car's tyres. It helps car owners with expenses related to the repair or replacement of the insured vehicle's tyre & tubes due to accidents or collisions. Individuals can purchase the tyre protection cover with a comprehensive car insurance policy for an extra premium.

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What is Tyre Protector in Car Insurance?

Tyres are among the most important parts of the car and are subject to unavoidable wear and tear. Not only do they bear the weight of the entire vehicle but also undergo a lot of abuse because of varying road conditions. Because of the unavoidable damages, regular car insurance will not offer coverage in case they are damaged. This is where a tyre protection cover comes into the picture.

The tyre protection cover in car insurance is an add on that can be purchased along with a comprehensive or own damage plan for an additional premium amount. In case of any accidental damage, cut or loss to the tyres, the tyre cover in car insurance will cover the related costs as per the policy terms. Some insurers also include labour charges for these repairs and replacements under the tyre protection cover. However, this should be confirmed with the insurance provider before making any purchase.

Coverage Under Tyre Protector in Car Insurance

These are the general inclusions and exclusions under tyre protector insurance:

What is Covered?

Under a tyre protector cover, labour costs, expenses incurred in replacing or repairing a damaged tyre and other damages caused by accidents are covered.

• The insured will be reimbursed for the cost of replacing a damaged tyre with a new one
• The labour charges during the removal, refitting or rebalancing of the tyres
• Bulges or swells in the tyre, slice or cut to the tyre, bursting of tyre, any accidental damage or loss to the tyre and tube rendering the tyre unfit for the vehicle will be reimbursed

What is Not Covered?

Most insurers don't offer any coverage under tyre protector cover in case of the following conditions:

• Puncture and other minor tyre repairs
• If service is done at an unauthorized garage or service centre
• Routine expenses such as balancing, adjustment, alignment etc.
• Damages caused due to manufacturing defect
• Any damage caused by overloading of people or luggage
• Loss incurred due to violating operating guidelines such as racing or rallying

Other than these, there may be other exclusions under tyre insurance depending on the insurer. It is recommended to go through the policy terms carefully before buying tyre protection cover.

Who Should Buy Tyre Protection Insurance?

Since tyres are highly important for any vehicle's smooth movement, enough care should be taken to ensure their optimum condition. Those who meet one or more of the following conditions should surely purchase the tyre protect cover with their motor insurance policy:

• Those who use their car for daily commute
• People who cover long distances regularly, for example driving through different states, etc.
• People residing in the hilly areas as their tyres are prone to harsher conditions

Accidents and other calamities rarely come with notice; having comprehensive car insurance with the tyre protection cover will go a long way to increase the car's life.

How to Buy Tyre Protection Cover in Car Insurance?

To opt for the tyre protection cover in your car insurance policy, follow these steps:

1. Visit Policybazaar.com and click on 'Car Insurance'.
2. Enter your vehicle registration number and provide vehicle & personal details.
3. Now, from multiple car insurance plans shown, select your desired policy.
4. Under add-ons, select 'Tyre Protector' and other covers if necessary.
5. Proceed to securely pay the premium amount.
6. Upon successful payment, you will instantly receive your car insurance policy with tyre protection cover.

How to Claim Tyre Protection Insurance?

To file a claim under the tyre protection cover in your car insurance, here's the simple procedure:

1. Immediately after the incident, inform your car insurance company about the tyre damage.
2. Provide the required documents, including photographs of the damaged tyre, as well as a thorough description of the incident.
3. The insurer will then assign a surveyor to inspect your vehicle for damage assessment.
4. Upon document verification and claim approval, you can proceed with the tyre repair/replacement at an authorised network garage for cashless settlement.
5. If you get your tyre repaired or replaced at a non-network garage, the insurer will provide you with reimbursement for your expenses.