Tyre Protection Cover
Tyre Protection Cover
When it comes to maintaining your vehicle, most people focus on engine health or regular servicing, but few realise how critical tyre health really is. A single pothole or road hazard can lead to hefty repair bills, especially if you drive long distances or own a high-end car. That’s where specialised coverage options like tyre protection cover can make a real difference.
Whether you’re comparing car tyre insurance options, checking how tyre protectors work, or exploring add-ons using a vehicle insurance calculator, tyre coverage is quickly becoming a must-have for many car owners. Tata AIG offers a dedicated Tyre Secure add-on that covers repair or replacement costs due to accidental damage, with claims processed based on the tyre's tread depth.
From everyday city commutes to rugged road trips, tyre protection is transforming the way smart drivers secure their vehicles. But is it right for you? Let’s explore.
What is a Tyre Protection Cover in Car Insurance?
A tyre protection cover is an add-on insurance that protects your car’s tyres from accidental and mechanical damage. This optional rider can be purchased with a Tata AIG standalone own-damage or comprehensive car insurance policy for an extra premium.
Tata AIG’s Tyre Protector add-on specifically covers standalone accidental or mechanical damage to tyres and tubes, including issues caused by road hazards like potholes or sharp objects. It provides compensation or replacement under defined terms, reducing unexpected repair expenses.
Offered at a nominal additional cost, this add-on can be highly beneficial, especially if you regularly drive on rough roads. You can easily include the cover during your Tata AIG car insurance renewal online.
Benefits Tyre Protection Cover in Car Insurance
Tyres go through the most wear and tear, yet they're often overlooked in regular car insurance. That’s where a tyre protection cover comes in handy, offering coverage where standard policies don’t.
- Covers Accidental Tyre Damage
With a tyre protect cover, damages from cuts, bursts, or bulges caused by road hazards are taken care of. Tata AIG's tyre protector covers standalone tyre damage, offering compensation and replacement when needed.
- Saves on Service Centre Costs
The cover typically includes labour, valve, fitting, and alignment charges. This means you're not paying extra out of pocket when your tyres need work.
- Reduces Long-Term Tyre Maintenance
Having a car tyre insurance plan extends the life of your tyres and lowers unexpected repair bills. With options like tyre protectors, you can drive confidently, knowing your vehicle is backed by added protection.
Inclusions of Tyre Cover for Cars
| Condition | What’s Covered |
|---|---|
| Accidental damage to tyre/tube | Repair or replacement cost as per tread depth. |
| Tread depth < 3 mm | Not covered – considered normal wear and tear. |
| Tread depth >3 mm to <5 mm | 50% cost of new tyre/tube covered. |
| Tread depth ≥5 mm to <7 mm | 75% cost of new tyre/tube covered. |
| Tread depth ≥7 mm | 100% cost of new tyre/tube covered. |
| How depth is measured | Centre tread; average of 4 measurements at different spots. |
| Tyre replacement condition | Same make/spec. If better tyre used, no extra charges taken |
| Max replacements allowed | Up to 4 tyres per policy year. |
| If tyre damage is part of vehicle accident | Only the difference between depreciation (Own Damage) and tread depth percentage is paid. |
Exclusions of Tyre Cover in Car Insurance
| What’s Not Covered | Details |
|---|---|
| Garage condition | Repair not done at authorised garage. |
| Tyre issues due to poor alignment or suspension | Damage due to worn parts or alignment faults. |
| Early damage | If it happens within first 15 days of the policy. |
| Pre-existing damage | Any damage before policy started. |
| Vehicle is a total loss | Tyre cover not applicable. |
| Routine tyre maintenance | Rotation, balancing, alignment etc. not covered. |
| Rims or accessories | Not covered if only rims or wheel parts are damaged |
| Theft of tyre only | Not covered unless full car is stolen. |
| Wrong tyre claimed | f tyre differs from one mentioned in policy or original vehicle. |
| Fraudulent claims | Any fraud by policyholder or garage. |
| Storage & transport issues | Tyre damaged due to improper handling not covered |
| Minor issues | Scratches or noise not affecting function are excluded |
| Unapproved tyre modifications | Not covered. |
| Racing, rallies or stunts | Damage due to such acts not covered. |
| Lack of regular maintenance | Ignoring manufacturer's service not covered. |
| Poor repair quality | Tyre damaged due to bad repair work not covered. |
| Tyre used fully | If tread depth is under 3 mm, claim not accepted. |
Other Exclusions
| Condition | Outcome |
|---|---|
| Drunk driving or drug use | No claim paid. |
| No valid driving licence | Claim rejected. |
| Intentional damage or negligence | Not covered. |
| Depreciation loss | Not claimable. |
| Punctures | Not covered. |
| Uninsured risks | Not claimable. |
| Manufacturing fault | Not covered. |
| Repair by unapproved centre | Not covered. |
| Racing or rally damage | Not covered. |
| Tyre theft only | Not covered unless full car is stolen. |
Who Should Opt for Tyre Protector in Car Insurance?
People who travel by car daily must ensure that their tyres are well-protected.
Those who reside in hilly locations should invest in tyre cover for added financial safety.
People buying a new car must invest in this add-on.
Those living in places where many accidents occur must also get this cover.
How Can I Avail Tyre Protection Cover?
You can avail the tyre protection cover in car insurance while purchasing or renewing a comprehensive or own-damage policy with Tata AIG.
This tyre protect cover is offered as an add-on to cover accidental damage to tyres caused by potholes, road debris, or other unforeseen incidents.
It is not available with third-party car insurance policies.
The car tyre insurance add-on reimburses repair or replacement costs based on the unused tread depth of the damaged tyre.
You can claim a maximum of four tyre replacements during the policy period under this tyre protect cover.
Exclusions include normal wear and tear, tyre theft, vandalism, and manufacturing defects, as well as repairs done outside authorised garages.
How to File a Claim Under Tyre Protection Cover?
Filing a claim under Tata AIG’s tyre protection in car insurance is quick and hassle-free.
Start by reporting the accidental tyre damage within 3 working days. You can register your claim in either of these ways:
Through the official Tata AIG website
By calling 022-6489-8282 (charges apply)
Once your claim is registered, you’ll receive a claim registration number to help you track the progress.
Next, take your car to one of Tata AIG’s 5,900+ authorised car garages across India. If your vehicle isn't in a drivable condition, you can also request towing assistance via your policy benefits.
Make sure to submit these documents:
Duly filled claim form
Copy of your Tata AIG car insurance policy
Original repair invoice or bills (if any)
After inspection, the claim is processed based on the unused tread depth of the damaged tyre. Coverage can go up to 100% of the tyre’s cost, as outlined in your policy.
This add-on is available only with own-damage or comprehensive car insurance policies, and it doesn’t cover theft or vandalism.
With Tata AIG’s wide garage network and a smooth claims experience, getting tyre repairs done is easier, quicker, and more affordable.
Why Choose Car Insurance with Tyre Secure Tata AIG
Tata AIG’s Tyre Secure add-on is not just another optional feature; it’s a well-defined solution built for real-world driving conditions. Unlike many general car insurance plans that exclude tyre-related issues, this tyre protection cover ensures that accidental tyre damage doesn’t lead to out-of-pocket expenses.
What makes it stand out is its clearly defined coverage. As per the policy brochure, compensation is offered based on the unused tread depth. If your tyre has a tread depth of 7 mm or more, Tata AIG covers 100% of the replacement cost. This level of detail gives you a predictable and fair settlement.
Additionally, the tyre protection in car insurance is available with both comprehensive and standalone own-damage policies. It covers damages like cuts, bulges, and bursts that occur accidentally, an area often ignored in standard policies.
With this tyre protect cover, you also avoid betterment charges if a superior tyre is fitted due to unavailability of the original make. The benefit of up to four replacements during the policy period further enhances its value.
Tata AIG’s tyre insurance for cars reflects a thoughtful approach to protecting your car’s most wear-prone components with full transparency, clear terms, and reliable service.
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
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