Car Tyre Insurance

Overall Vehicles performance depends upon your tyres and powerful engines require healthy tyres. It happens with almost all vehicles that at a certain period of time your car tyres get damaged. In some cases due to unfortunate incidents it gets punctured and or tear on rough roads. What will you do? That’s where car tyre insurance covers your expenses. 

So in this article we will talk about everything related to Tyre Insurance– how and where you can get it and what things get covered under that. 

Top Tyre Brands in India

How to get Tyre Insurance

Tyre Protection in Car Insurance

Tyre protection is an extra feature in car insurance that helps cover the cost of replacing your car's tyres. You can add this coverage to a comprehensive car insurance policy or a standalone Own Damage(OD) cover by paying a little extra. Basic insurance plans don't cover tyre damage so it's a good idea to get tyre protection to better protect vehicles.

Tyre Protection Add-On Cover 

Tyres are crucial for your car but often face the most wear and tear due to rough road conditions. Regular car insurance usually doesn't cover tyre damage which is why it's a good idea to get tyre protection add-on.

This add on can be added to a standalone own damage or comprehensive car insurance policy for extra cost. It covers the repair and replacement of damaged tyres, as well as any labour costs involved in these processes.

What is all covered by the tyre protection add-on?

Replacement of damaged tyres

If your tyre gets damaged from cracks, punctures, or cuts, this cover will pay for a new tyre.

Labour costs

It covers the costs of removing, refitting, and balancing your tyre.

Accidents and Misfortune

It provides coverage for tyre damage caused by accidents or unforeseen events, like bulging or bursting.

What's not covered?

Puncture and basic repairs

Tyre repair costs are not covered 

Manufacturing defects and unauthorised service

Damage from manufacturing defects or work done by unauthorised service centres is not covered.

Routine maintenance

Costs for regular maintenance like alignment and balancing are not included.

Improper storage or transport

Damage due to improper storage or transport is not covered.

Rim Damage Protection in Car Insurance

Rim damage protection provides financial coverage for damage to your car's rims, which can occur from hitting potholes, road, debris, or curbs. This protection is usually an extra option with a comprehensive car insurance policy and may increase your premium.

What's covered by rim damage protection 

Replacement of damaged rims

It covers the cost of replacing damaged rims with new ones that match the original make and model of your car.

Rim specification

The replacement rims will match the specification of the original ones.

Applicable tyres 

This cover generally applies to cars with tubeless tyres or run flat tyres

Number of claims 

You can typically claim up to four times during the policy period, though this can vary by insurer.

Additional costs

Some insurers may also cover related costs like service, labour, and other expenses 

What's not covered by rim damage protection

Pre existing damage 

Damage to rims that happened before the cover started.

Theft 

Theft of your car rims 

Fire damage 

Damage from accidental fire.

Warranties and recalls 

Rims already covered under a warranty or recall campaign 

Maintenance costs 

Cost of your routine maintenance like wheel balancing or alignment.

Damaged to other parts 

Damage to other parts or accessories caused by the damaged rims.

Injuries or property damage

Injury or property damage caused directly or indirectly by damaged rims.

How to Claim Car Tyre Insurance

If you already have Car Tyre Insurance then after any damage that comes under insurance policy, you can claim it by following these steps:

Step 1: At first you will have to notify the Insurance company about the incident. 
 
Step 2: The Company will assess the damage. All you have to do is just send them pictures of the damaged tyre and then they will tell you whether it can be repaired or has to be replaced. 
 
Step 3: Initially you will have to pay for the repairs and replacement then keep the bills or invoice with you.
 
Step 4: After that click photos of the bills and invoice and then contact your insurance company and submit. 
 
The documents you will required in the claiming process:

• Driving licence
• Insurance Policy Document Copy
• Car insurance claim form that you filled
• Registration Certificate(RC) Copy
• Copy of police FIR (If required in the case of theft/third-party claims)
• Car repair bills from the garage 

Conclusion

Car tyre insurance provides coverage for replacing and repairing damaged tyres and rims, protecting against issues like punctures and rim damage. It's an add on to standard car insurance policies and covers specific damages while excluding pre existing conditions and routine maintenance. Always check policy details for exact coverage and exclusions.