Indian roads can be tough on your car, especially the tyres. There can be times when you are driving and suddenly hit a pothole, which damages the tyre. Replacing this tyre can be expensive, without extra cover. Hence, you may opt for tyre coverage in your car insurance policy.
What is a Tyre Protection Cover?
Tyre coverage insurance is an extra layer of protection for your car’s tyres. It is an optional add-on feature you can get with your four-wheeler insurance policy. It helps you if your tyres need repair or replacement due to accidental damage.
What Does Tyre Coverage Offer?
Before you buy a car insurance policy with tyre coverage, you should know what it covers. Here is what tyre coverage helps you with:
- Repair Costs: If your tyres accidentally get damaged, the insurance will pay for the repair or replacement cost.
- Labour Costs: Many tyre coverage insurance plans cover the labour cost of removing, refitting, and rebalancing your car tyres.
This type of coverage is especially helpful because bumper-to-bumper car insurance or comprehensive car insurance does not generally cover damage to tyres.
What is Not Covered Under Four-Wheeler Insurance Tyre Protection Coverage
Tyre protection coverage does not cover everything. Here are some of the things you should keep in mind while tyre overage in your car insurance plan.
- Minor Repair: Tyre punctures and other small repairs are not covered.
- Theft or Vandalism: If your tyres are stolen or vandalised, tyre coverage would not help.
- Unauthorised Service: If you get your tyres serviced at an unauthorised garage, you may not get the coverage.
- Regular Maintenance: Regular maintenance services like tyre balancing, alignment, and other regular maintenance are not covered.
- Manufacturing Defects: Manufacturing defects in your car tyres are not covered under this.
- Driving Violations: Tyre damage due to reckless driving, such as racing and rallying, is not covered.
Who Needs a Tyre Protection Cover Under a Car Insurance Policy
Anyone can benefit from purchasing a tyre protection cover. However, it is helpful for the following:
- Frequent Drivers: If you use your car daily, tyre coverage helps you to get compensation in case your car tyres get damaged.
- Long Distance Drivers: If you are driving your car long distance, then tyre coverage will provide you peace of mind as they would be protected from any unexpected problems.
- New Car Owners: New car owners may choose to protect their car tyres with tyre coverage.
- Hilly Region Drivers: If you drive your car in hilly areas, you may choose a tyre protection cover as your car tyres are prone to damage easily.
- Mountain Travellers: If you like driving your car on mountain roads, tyre coverage can help.
How to Get Tyre Coverage?
You can not purchase tyre coverage with third-party car insurance. You need to have a comprehensive car insurance policy to be able to buy tyre coverage.
- Check the Policy: Review your existing policy to check if tyre protection is already added to it.
- Online Options: Insurance companies like Tata AIG allow you to purchase car insurance policies online. You can check the features of the plane, compare it with others before making a decision.
- Talk to Your Agent: You can buy your car insurance through an agent. Talk to them about adding tyre protection coverage.
Conclusion
Tyre protection cover is optional and you can purchase it with a comprehensive car insurance policy. Having this cover can help you save money while repairing or replacing damaged tyres.
Read the policy terms before buying such protection so that you can understand what is covered and how to file a claim. With tyre coverage, you can drive around easily and have peace of mind.
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