When it comes to wear and tear in a car, tyres endure the most. Choosing a car insurance policy in light of India’s challenging road conditions is imperative to prevent unforeseen tyre and tube replacement expenses.
However, a standard insurance policy does not cover the car’s tyres. This is when tyre protection insurance enters the picture. To learn more about tyre protection in auto insurance, continue reading.
What is the car tyre cover in car insurance?
The add-on feature in automobile insurance that provides financial coverage for the cost of replacing the car’s tyres is tyres covered under insurance.
Getting a tyre protection cover that you can buy along with your regular car insurance policy is easy, but you can also opt for a standalone damage cover with an additional premium.
The tyre cover for the car will protect against various tyre repair and replacement charges. If the tyres are accidentally damaged, cut, or lost, the insurance will pay the costs as specified in the policy. Many tyre protection plans also include labour costs for repairs and replacements. However, this should be made clear before purchasing the insurance policy.
What is covered in tyre cover in car insurance?
Before purchasing any tyre cover, including add-ons, you should understand what it covers. The benefits and coverage will vary depending on where you get your car insurance.
While the specifics may differ between policies, depending on what insurance carriers have to offer, here are some of the most frequent components of tyre protection cover.
1. You will receive reimbursement for replacing the worn-out tyre with a new one.
2. Whatever charges you pay for manual labour for the removal, refitting, and rebalancing of the tyres will be added to the amount.
3. Any cut or slice to the tyres, bulging or swelling of tyres, bursting of tyres, any accidental damage, loss of tyre, or tube causing the tyre to be unfit for your car will be paid.
What is not covered in car tyre cover?
Many insurance policies do not offer any reimbursement in the following cases.
1. If the tyre is punctured and other minor tyre repairs.
2. In cases of theft or vandalism, you are exempted from the benefits.
3. If the tyre service is performed in an unauthorised service shop or garage.
4. Regular tyre servicing, which includes balancing, adjustment, alignment, etc.
5. Any damage or harm caused due to any problems in manufacturing.
6. Any loss occurs due to violating operating standards, such as racing or rallying.
Depending on your policy’s coverage and the insurance company, other exceptions or conditions might also exist. Going through the policy terms in detail would be best before buying any tyre protection cover.
Who should buy tyre protection cover?
Tyres are the most important component of your car for its smooth and unhindered movement. Thus, good care should ensure they stay in premium condition.
Ideally, everyone can get a tyre protection cover, allowing you to protect your tyres at a minimal cost. Nonetheless, there are specific situations where you should consider this type of add-on cover.
1. If you use your car daily for travelling, you must ensure the tyres are working properly.
2. If you travel a long distance (from one state to another), you should also get tyre insurance.
3. If you buy a new car, you can invest in tyre protection insurance.
4. If you live in hilly regions, you should also opt for tyre cover for cars as the road conditions are harsh and tyres are prone to damage.
5. If you love to travel to the mountains and take out your car for travelling, you can also opt for a tyre protection cover.
How can you buy a tyre cover for a car?
Remember that a tyre protection cover cannot be bought with third-party car insurance, but only with a comprehensive policy. Once you understand your policy well, you can calculate your online car insurance to know how much you may have to pay for the same. Then, you can include this add-on when buying your comprehensive plan online.
If you are buying your car insurance online, you can inquire about the details with your insurance agent about the same.
A tyre protection cover is not mandatory, but it might save you money on repairing or replacing your tyres after an accident, which can be expensive. Study the policy terms and understand when to file a claim under this coverage.
Tyres are prone to unavoidable damage if you own a car. Insurance for your tyres is an add-on to your car insurance. This can help you pay for replacing or changing a new set of tyres. You can get reimbursed for replacing the worn-out tyre, labour charges and any accidental damage or loss of tyre and tube. However, in the case of punctures, theft or getting repairs in an unauthorised garage, you cannot claim the insured amount. If you are a regular car user, you should consider getting tyre insurance.
