Purchasing the car of your dreams is only the first step. Then comes the responsibility of maintaining its performance, parts and longevity through all the wear and tear your car goes through. Let’s talk about tyres that are both crucial and vulnerable parts of your vehicle.
Driving on Indian roads, especially in underdeveloped areas, can lead to severe damage to the car’s tyres. Most car insurance plans do not offer tyre protection under their base coverage. This is why purchasing a tyre protector add-on cover becomes important. Let’s learn more about this add-on cover, so you can make an informed decision.
What is Tyre Protect Add-On Cover?
A tyre protector cover in car insurance is an optional benefit that you can add to your existing car insurance policy with a minimal additional premium. Under this add-on cover, your insurer provides coverage for replacing or repairing the tyres (up to a specified limit) of an insured car in case of damage.
Typically, car insurance policies do not offer coverage for damage to tyres caused due to puncture, cracks or bulges. In this situation, an add-on cover is exactly what you need. With a slight additional car insurance premium, you can build an asset in the long run that can save you a lot of money.
Tyre Protect Add-On Cover: Inclusions and Exclusions
Opting for a tyre protector cover in car insurance is a smart choice that can protect you from the financial burden of replacing or repairing a tyre in case of damage. However, it is important to first understand that insurance companies have different sets of inclusion and exclusion for which they offer coverage under this add-on.
Here are some common inclusions and exclusions under the tyre protector add-on cover in car insurance plans in India.
Benefits of Tyre Protector
1. Tyre Repair
Expenses incurred on repairing a tyre due to external or internal damage are covered.
2. Tyre Replacement
Expenses incurred on replacing a tyre due to internal or external damage are covered.
3. Damages due to an Accident
Expenses incurred on repairing or replacing a tyre due to accidental damage are covered.
Exclusions of tyre protector
1. Normal Wear and Tear
Usually, expenses incurred on replacing or repairing a tyre due to normal wear and tear are not covered.
2. Damages Due to Certain Activities
Expenses incurred on replacing or repairing a tyre due to damage done by participating in certain activities, such as off-roading or car racing, are not covered.
3. Illegal Driving
Expenses incurred on replacing or repairing a tyre due to damage caused by illegal driving, such as driving without a license or driving under the influence of an intoxicant, are not covered.
Note: Kindly check the policy documents for a detailed list of inclusions and exclusions.
Why Do You Need Tyre Protect Add-On Cover?
Tyre protector cover in car insurance is possibly one of the most practical and valuable additions to your existing car insurance policy. If you’re still on the fence, whether or not to opt for this add-on cover, then here are a few benefits that will get you on board:
1. Shield Against Financial Burden
Replacing or repairing a tyre can become a huge financial burden, regardless of the kind of tyres your car has. This add-on cover acts as a shield against financial burden.
2. Access to Easy Repairs
Whether it is an emergency or not, finding authorised repair shops can become a hassle. However, when you have opted for this add-on cover, you can easily get access to authorised repair shops.
3. Protects Tyre Life
Delaying regular inspection and timely repair can significantly damage your car's tyre life. In the absence of this add-on cover, the fear of financial burden can lead to such delays. Knowing that replacing or repairing tyre bills are taken care of, you are in a better position to maintain and protect your car tyre life.
4. Easy Claim Settlement
Generali Central offers an easy claim settlement process. You can raise a claim online and get all the verification and approval required at the earliest. That’s not all. Generali Central allows cashless claim settlement at more than 6500 workshops across India, making the claim settlement streamlined.
5. A Must-Have Protection for Indian Drivers
Whether you are a frequent or a seasonal driver, you must have realised that most of the Indian roads are uneven and not ideal for car tyres. In such a situation, this add-on cover is essential to protect and extend tyre life.
Wondering what other add-ons you can opt for to extend the coverage on your existing car insurance? Click here for a list of add-on cover options.
Summing Up
A car tyre protector add-on cover is a crucial addition to your existing car insurance policy that can save you from financial loss in the long run. Remember that this add-on cover comes with a minimal additional cost, which often seems insignificant compared to the cost of replacing or repairing car tyres. Before you finalise purchasing the cover, make sure to review the policy document and understand the inclusions and exclusions.
Looking for a reliable and comprehensive car insurance plan? At Generali Central, you can explore and purchase the best online car insurance policy.
