Securing a car insurance policy with tyre protection cover is a good decision that you have taken to secure your car from relentless roads and vandalism. This is an additional cover that comes in handy in case your car tyres get damaged due to road impact or certain other reasons. This rider covers repair and replacement expenses owing to accidental loss or damage to tyres and tubes.
Nowadays car tyres don’t come at a low cost, expensive car tyres are a burden. Our disgraceful potholes and broken roads can damage the tyre without any doubt. A tyre cover will be important when your car’s tyre gets damaged due to:-
- Flattening of tyres due to hard braking
- Road impact cuts or bursts.
- Damage due to bulging of the tyre sidewall.
Case Scenario:
One day Surya goes to the office in a hurry but there is huge traffic, so he takes the road which was filled with potholes and rocks. Expectedly he met with an accident the car tyre has damaged badly there is no spare tyre with him. It costs him Rs. 500.
But he is a lucky person insured with the best car insurance company in his policy added tyre secure add-on cover. The cost of the damage is Rs. 500 is compensated by the insurer in the nearest garage.
What is Tyre Protect Cover?
Tyre protection cover is an add-on that you can buy by paying an additional premium. It covers the repair and replacement of tyres. It covers accidental loss or damage/cut to the tyres. Tyre Secure car insurance cover bought along with a comprehensive or a standalone own-damage car insurance policy.
This add-on cover also protects against damage/ cuts caused to the tyres and accidental loss. In addition, it covers labor charges related to the repair/replacement of tyres. A tyre protection cover enables you to have a great sense of security.
You just have to pay a little extra to buy this add-on cover. Now, if you have included this add-on cover to the car’s insurance policy and raised a claim against tyre damage, it does not affect your No Claim Bonus eligibility under the standard policy. However, an overall claim does impact the No Claim Bonus discount.
Who Should Take Tyre Protection Cover?
- People with new/luxury cars
- People living in accident prone areas
- People who travel daily from their car must make sure that their tyres are protected.
- Those who live and frequently visit hilly areas should get this protection for their car.
- Tyre repair cost arising because of taking part in any racing competition or rally is not covered.
Advantages & Disadvantages of Tyre Secure Cover:
You must have a clear understanding of the inclusions and exclusions before buying the add-on tyre protector in car insurance. Depending on the insurer, there will be different benefits offered or not offered. These are the general inclusions and exclusions offered by most tyre protector insurance:
Advantages of Tyre Secure Add-on in Car Insurance:
- Cost of replacing the damaged tyre with a new one.
- Labor charges toward removing, refitting, and rebalancing of the tyre.
- The cost incurred due to accidental loss or damage to tyre and tubes due to bulge in the tyre, bursting of tyres or cut to the tyre.
- This add-on is valid for a maximum of 4 years.
- Any claims made for damages to the tyre under this add-on will impact the No Claim Bonus amount.
Disadvantages of Tyre Secure Add-on in Car Insurance:
- Cost of puncture and tyre repair.
- Damage arising due to a manufacturing defect or service provided by an unauthorized service center.
- Damage arising out of violations of operating instructions such as racing, rally, etc.
- Damage arising out of improper storage or transportation.
- Replacement of 4 tyres only will be allowed during the Period of Insurance.
Some other Exclusion under Tyre Secure Cover:
- No claims can be made if the car was driven under the influence of alcohol or intoxicating substances.
- No claims can be made for damages caused due to depreciation of automobile and insured peril.
- No claims can be made if the car was driven by a person who doesn’t have a valid driven license.
- Loss or damage resulting from poor workmanship while the repair.
- Loss or damage arising out of any manufacturing defect or design including manufacturer’s recall.
- Minor damage or scratch not affecting the functioning.
- Any loss or damage occurred before the inception of the policy and any loss or damage resulted in total loss of the vehicle
Tips to Know before Buying this Tyre Secure Cover:
Also, the amount of claim under this add-on depends on the unused tread depth of the tyre, which is nothing but the measurement between the top of the tread rubber to the bottom of the tire's deepest grooves. This is to measure if the tyre has busted out too much.
The company will reimburse the policyholder for the cost of replacing the damaged tyre with an equivalent tyre subject to the loss settlement as mentioned by IRDAI.
The tyre will be measured at the center of the tread and the mean of minimum of 3 readings will be taken to arrive at the mean residual tread depth which will be the basis of indemnity under this coverage.
| Mean Residual Tread Depth of the Tyre at the Time of Loss |
Claim Amount |
| < 3 mm |
Nil |
| >=3 mm and <=4.9 |
50% |
| > =5 mm and <=6.4 mm |
75% |
| > = 6.5 mm and <=6.9 |
85% |
| > =7mm |
100% |
How to Buy a Tyre Secure Cover Add-on in Car Insurance?
Car insurance can be purchased online from the PolicyBachat portal in two easy steps. At PolicyBachat we cater unbiased comparison of quotes, 24*7 customer assistance team your motive is to give our customers the right quotes with compare car insurance rates online.
You have the option to purchase this cover via the online mode or the offline mode while buying or renewing your car insurance policy. You can buy a Tyre Protect Cover by following the below mentioned steps.
- Go to compare car insurance quotes online at PolicyBachat.com
- Fill in the required details select your Car Model & Variant, RTO Location, Registration date, and Email address.
- Click on the “START SAVING MONEY”.
- Choose a Comprehensive Insurance plan.
- Premiums with different insurance companies are displayed with low premiums.
- Select the Tyre Secure Cover from the available Add-ons
- After that fill in the ‘vehicle owner details and personal details.
- Purchase best Car Insurance Policy using online payment
- If any queries are raised call: 1800–123–4003.
Top Companies that Provide Tyre Secure Cover in India:
| Companies |
Plan |
IDV |
Additional Covers & Discounts |
Premium |
| Bajaj Allianz |
1 year OD + 3 Year Third Party (1+3 Bundled) |
Rs. 5.06 lakh |
24x7 Roadside Assistance, Key Replacement, and commercial discount |
Rs. 6969 |
| Future Generali |
1 year OD + 3 Year Third Party (1+3 Bundled) |
Rs. 5.81 lakh |
OD Discount |
Rs.7384 |
| HDFC ERGO |
1 year OD + 3 Year Third Party (1+3 Bundled) |
Rs. 4.97 lakh |
OD Discount |
Rs.6989 |
| Kotak |
1 year OD + 3 Year Third Party (1+3 Bundled) |
Rs. 5.13 lakh |
Commercial discount |
Rs.5028 |
| Liberty |
1 year OD + 3 Year Third Party (1+3 Bundled) |
Rs. 4.98 lakh |
OD Discount |
Rs.7450 |
| Reliance |
1 year OD + 3 Year Third Party (1+3 Bundled) |
Rs. 5.60 lakh |
Commercial discount |
Rs. 6859 |
FAQs of Tyre Secure Cover:
Do I need a Tyre Cover as an add-on in my Comprehensive Car insurance policy?
The types of damages to tyres are not covered by normal comprehensive insurance. The fact that cost of tyres is very high and difficult to afford, particularly for high-end cars where the costs are huge compared to the additional premium paid.
- Under the tyre cover, the replacement of the tyre is allowed only once during the policy year. Once replaced, if the cover needs to remain, the updated premium may have to be paid and settled on the insurance policy.
- It should also be noted that the percentage of claim settled will be compensated to the remaining life of the tyre measured as per the depth of the available tread.
Is Tyre and Tube Repair Cost Covered under Comprehensive Car Insurance?
Motor insurance covers tyre and tube when the vehicle has met with an accident. However, comprehensive car insurance doesn’t cover tyre and tube damages when the vehicle has not met with an accident.
Can I Protect My Car From Tyre Slashing?
Slashing of tyres can be a result of poor road conditions or vandalism. Tyre cover in car insurance does not compensate you for slashed tyres.
- Park your vehicle safely
- Install motor sensor lighting in the parking area
- Install security camera where you park the vehicle
- Immediately report to the nearest police station if tyre slashing happens.
Is Roadside assistance Covers Tyre Damage?
Roadside assistance is not to cover the replacement of the tyre. It is to assist you on the road if you face any emergency like sudden flat tyre etc. Under roadside assistance, the company will arrange for someone to repair your flat tyre.
If needed the person will also change the tyre with the spare tyre if you have it in your car. In case you don’t have any spare tyre in your car then it will arrange to tow the vehicle to repair from the workshop.
Can we Claim Insurance for Tyre?
Yes, you can when the car is met with an accident then the damages of tyres and tubes are covered. If not it is not covered in the comprehensive policy.
Does Tyre Insurance Cover Wear and Tear?
The tyre cover does not cover the regular wear and tear of the car if not met with an accident with another car or third party.
Is Tyre Covered under Zero Depreciation Insurance?
No, the Zero depreciation add-on does not cover tyre damage of the insured vehicle. Zero depreciation covers the repair cost of the car without considering the depreciation value. The Zero-depreciation cover offers 100% coverage for all types of fiber, plastics, and metals. However, this car insurance add-on doesn’t cover the replacement cost of tyres and tubes in case of a total loss of the insured vehicle.