Secure Your Car With The Super Car Insurance Plan!

Believe it or Not! Save upto* 75% on TATA AIG Car Insurance

Secure Your Car With The Super Car Insurance Plan!

Believe it or Not! Save upto* 75% on TATA AIG Car Insurance

Tyre Protection Cover in Car Insurance

  • Author :
  • TATA AIG Team
  • Published on :
  • 02/05/2022

Tyres are to a car what legs are to the human body. No matter how well other parts of a car are working, if the tyre stops working, then the car is a sitting elephant. Yet, the tyre is the least looked after part in a car. We put it through innumerable stress, running it through the streets of India, streets that are in a state of abject disarray for the most part. Yet, we never give a thought to the fact that we will be stranded if the tyres give out on us.

What we need is a tyre cover. Many of us may not know that there is something called tyre insurance in India. It is part of our general motor insurance. So, to begin with, let us first dive into what tyre insurance in India is. If you are also wondering is tire damage covered by insurance, you will find your answers to this question.

What are Add-ons in Car Insurance?

Most drivers carry car insurance since it is required by law. Policyholders can, however, improve a basic policy by adding insurance riders for an additional fee. It is because even comprehensive coverage may not give complete protection against unforeseeable events such as weather, road conditions, component damage, etc. A tyre protector is one of the components of add-on services.

What is a Car Tyre Cover?

Tyres are a crucial part of a car, yet they suffer the most damage. This is because tyres are subjected to the abuse of various road conditions and bear the total weight of the car and its occupants. Typical insurance for cars, though, does not cover them by default. As a result, it's a good idea to get a car tyre cover.

A car tyre cover is just insurance for your car tyres. It is an add-on that you can purchase with a Tata AIG standalone own-damage or comprehensive motor insurance policy for an additional charge. It is insurance for your car tyres if it suffers any wear and tear. People spend a lot of money replacing tyres without realising it, but you can save thousands of rupees with a car tyre cover added to your motor insurance.

Tata AIG provides a tyre protector as an add-on feature of its comprehensive insurance for cars. With this tyre protector, you are offered compensation and replacement under specific circumstances.

The add-on comes at a minimal fee and can prove to be an asset in the long run, saving you a lot of money. If you already have an insurance policy from Tata AIG and want to add the tyre protector insurance to the insurance for your car, you need not worry. Just opt for a car insurance renewal online, and you can successfully get this add-on feature.

What is Covered in a Car Tyre Protector?

If you wonder is tyre damage is covered by insurance, you may have gotten your answer. But there are some specific features offered under this cover.

  • Replacement of a Tyre

Tyre damage can occur from various causes, including cracks, bulges, punctures, cuts, and so on. During such times, tyre replacement may be the most practical solution. As a result, it is essential to purchase tire insurance in conjunction with a comprehensive auto insurance policy to protect yourself against the cost of replacing a damaged tyre.

  • Labour Charges

Fitting or relocating a tyre from one position to another can be an additional expenditure that appears as a labour cost in the future. However, the insurance company will reimburse the client for the labour costs of removing, refitting, and rebalancing the tyre if they have a tyre protection cover and comprehensive insurance for the car.

  • Protection Post Accident

Unforeseen destruction or damage may fall to the tyre and cylinders, rendering the tyre unfit for use. This includes tyre swell, tyre blasting, and tyre damage/slice. Damage to a car's wheels might take the form of bulging, crushing, cutting, or bursting. As a result, it's a good idea to insure the tyre and the car to cover the expense of tyre damage in an accident. Thus, this is also included in the tire insurance cover.

Instances when Tyre insurance Cannot be Used

  • If the car was driven under alcohol or other intoxicating substances, the client cannot file claims.
  • If the car was operated by someone who did not have a valid driver's licence, the client cannot file claims.
  • If the policyholder was guilty of contributory negligence or the damage was produced by a voluntary act, the client cannot file claims.
  • Damages incurred due to the automobile's depreciation are not recoverable.
  • Damages produced by an uninsured risk are not covered by insurance.
  • Puncture costs are not covered.
  • Damages incurred as a result of manufacturing flaws are not covered.
  • Damages incurred due to a flaw in a service performed by an unlicensed service centre are not covered.
  • Damages to the car caused by improper storage or transportation are not covered.
  • Damages incurred due to racing or a rally are not covered.
  • Any theft-related issues.

Who Should Avail of the Tyre Cover?

  • People who travel by car daily must ensure that their tyres are well-protected.
  • Those who reside in hilly locations should invest in this car safety.
  • People who love outings in mountainous locations and prefer to travel in their car must ensure that any tyre problems are addressed.
  • People buying a new car must invest in this add-on.
  • Those living in places where many accidents occur must also get this cover.


To conclude, the tyre add-on service can greatly help and save us a lot of money in the long run. Adding this service to your Tata AIG insurance for cars will make your rides smooth and seamless. You can also avail of the other add-on services offered by Tata AIG, such as roadside assistance and zero depreciation cover. This adds up to keep your car in the best possible condition and ensures it lasts you a lot longer than usual. So get your car insurance with the appropriate add-ons today!

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