Tyre Protect Coverage for Car Insurance

Buying car insurance online is a relatively simple process nowadays most car owners are well-versed with. Most of them know how third-party car insurance is mandatory whereas a comprehensive policy can protect you against more adverse possibilities. However, if you are looking for more from your comprehensive policy, you can look for add-ons. One such add-on is the tyre protect cover. This is the sort of cover that offers protection for your tyres, were they to be damaged in an accident or any other possibility covered by the policy. Add-ons like tyre protect can add to your premium amount. Hence, before you purchase, ensure you use an online car insurance calculator to get an idea of the cost beforehand. Additionally, it is also important to understand the offerings of this cover properly before you can buy it. This helps you know when to claim it and for what.

What is Tyre Protect Cover?

Tyres are one of the most important parts of your car as prone to damage as any other major part of your car, if not more. If your car gets in an accident, there is a chance that damage would be caused to your tyres as well. In an ideal situation, you would have comprehensive coverage to help you deal with the cost of repairs after your car has been in an accident. However, regular comprehensive coverage does not cover your car tyres. So, if your tyres were damaged in an accident, and need repair or replacement, you will need to shell out money from your pocket. This is where a tyre protect cover comes into play. This is an add-on cover that can be purchased along with your comprehensive motor insurance policy. The sole purpose of this add-on is to get coverage for your tyres. It will help you cover the cost of repair or replacement of a tyre in case of damage in an incident covered by the policy. In some cases, the policy will also cover the labour charges of your tyre repair or replacement.

Tyre Protect Cover Inclusions

Before you purchase any kind of policy, including add-ons, it is important to understand what the policy covers. While the minutiae may vary across policies based on what insurance providers have to offer, here is a look at some of the common inclusions of tyre protect cover.

1. Replacement of damaged tyres with new ones
2. Any labour charges applicable for the replacement or repair of the tyres, including refitting and rebalancing them.
3. Cost of repairing any damage to the tubes, which in turn, would make the tyres unfit for further use. This could include scenarios such as tyre bursts and slashed tyres.

The maximum coverage duration offered by such policies is four years, after which they may need to be renewed. Commonly, you can purchase this sort of car insurance online for a minimum duration of a year.

Tyre Protect Cover Exclusions

As important as knowing the inclusions is knowing the exclusions of your policy. Let’s look at some of the exclusions of this type of policy.

1. Cost of repairing punctured tyres
2. Cost of repairing or replacing tyres damaged due to overloading the car, either with people or luggage
3. Cases of theft or vandalism (for example, if someone slashes your tyres)
4. Cost of repair for damage caused due to using your car in a race or rally
5. Any servicing carried out via an unauthorised garage
6. Any repairs or replacement requirements arising due to a manufacturing defect
7. Regular tyre servicing, such as alignment and balancing

These are some of the common exclusions. Based on what the insurance provider has to offer, the policy may have more exclusions, or even fewer of them. It is ideal to go through the details of the policy before you make the purchase.

Should You Buy Tyre Protect Cover?

Ideally, anyone can buy a tyre protect cover, since it will allow you to protect your tyres, possibly at a nominal cost. Nonetheless, here are some cases where you should certainly consider this sort of an add-on cover.

1. If you live in or drive over rough terrains, such as mountains, rocky roads, etc
2. If you use your car frequently
3. If you are travelling long distances often

How Can I Buy Tyre Protect Cover?

Remember that a tyre protect cover cannot be bought along with third-party car insurance, but only with a comprehensive policy. Once you understand the policy well, use an online car insurance calculator to know how much you may have to pay for the same. Then, you can add this add-on when buying your comprehensive plan when making the purchase online. If buying it online, you can ask your insurance agent about the same. A tyre protect cover may not be a necessity, but it can save you from the costs of repairing or replacing your tyres after a mishap, which could be significantly high. Make sure to read the policy details and know when to make claims under this cover. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.