Tyre Protection Cover

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Tyre Protection Cover

Ever found yourselves stuck in the middle of the road due to a tyre breakdown? Unsure whether tyre cover for cars is a sensible choice? Let’s find out.

If our cars' tyres stop working, they become disabled. Tyres are the most significant organs of any vehicle. Without proper tyres, the car can lose balance, shut down, or cause unexpected damage. All drivers carry a third-party car insurance policy since it is compulsory by law. However, policyholders who want to protect their vehicle must invest in own damage or comprehensive insurance for a four-wheeler. Additionally, they can increase the coverage provided by adding riders to the base policy for an additional premium.

So, if you are wondering, “Is the tyre covered under insurance?” the answer is yes, tyre secure is one of the add-ons. Let us explore tyre cover in car insurance by discussing what it is, its inclusions and exclusions, and more.

What is a Tyre Protection Cover in Car Insurance?

A car tyre cover is insurance for your car tyres. It is an add-on rider that you can purchase with a Tata AIG standalone own-damage or comprehensive car insurance policy for an additional charge.

Tata AIG provides a tyre protector as part of its comprehensive car insurance. This add-on covers standalone accidental loss or damage to tyres. With this tyre protector in car insurance, you are offered compensation and replacement under specific circumstances.

The add-on has a minimal additional premium 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 tyre protector insurance to your car insurance, go for a car insurance renewal online and get this add-on feature added.

Inclusions of Tyre Cover for Cars

We will cover expenses for repair and replacement, as may be necessitated, arising out of accidental loss or damage to tyres and tubes. In any situation, the company’s liability would not exceed the following, based on the unused tread depth of the respective tyre.

  • Unused tread depth of <3 mm - Considered as normal wear and tear and is not covered.

  • Unused tread depth of >- 3 to <5 mm - 50% of the cost of a new tyre or tube.

  • Unused tread depth of >=5 to < 7 mm - 75% of the cost of a new tyre or tube

  • Unused tread depth of > = 7 mm - 100% of the cost of a new tyre or tube

  • Unused Tread depth will be measured at the centre of the tread. Minimum 4 measurements at 4 different places will be taken for the purpose of arriving at mean tread depth which will be the basis of indemnity under the coverage.

Whenever a tyre replacement is allowed, it will be of the same make and specification. If a tyre of a similar specification is not available and the replaced tyre is superior to the damaged tyre, we will not be liable for betterment charges. A maximum of 4 (four) replacements will be allowed during the period of insurance.

If damage to the tyre and tube is due to accidental damage to the insured vehicle covered under the “Own Damage” section of the policy. Our liability under this cover will be restricted to the difference in depreciation percentage applied under “Own Damage” section and, as mentioned above, basis the unused tread depth.

Exclusions of Tyre Cover in Car Insurance

If the vehicle is not repaired at an authorised garage.

  • Loss or damage arising out of natural wear and tear, including unevenly worn tyres caused by defective steering geometry outside the manufacturer’s recommended limits or wheel balance, failure of suspension component, wheel bearing, or shock absorber.

  • Any loss or damage within the first 15 days of inception of the policy.

  • Any loss or damage that occurred prior to the inception of the policy

  • Any loss or damage resulting in total loss of the vehicle

  • Routine maintenance, including adjustment, alignment, balancing or rotation of wheels/tyres/ tubes

  • Loss or damage to wheel accessories, any other parts or rim.

  • Theft of tyre(s)/tube(s) or its parts and accessories without the vehicle being stolen or theft of the entire vehicle.

  • If the tyre(s)/tube(s) being claimed is different from the tyre(s) insured/supplied as original equipment along with the vehicle unless informed to us and mentioned/endorsed on the policy.

  • A fraudulent act was committed by the insured, the workshop, or any person entrusted with possession of the vehicle by the insured.

  • Loss or damage arising out of improper storage or transportation

  • Any consequential loss or damage, such as but not limited to noises, vibrations and sensations that do not affect tyre function or performance.

  • Loss or damage arising out of modifications not approved by the tyre manufacturer.

  • Loss or damage resulting from hard driving due to race, rally or illegal activities.

  • Loss or damage due to neglect of periodic maintenance as specified by the manufacturer.

  • Loss or damage resulting from poor workmanship during the repair.

  • Loss or damage arising out of any manufacturing defect or design, including manufacturer’s recall.

  • Minor damage or scratches not affecting the functioning

  • Tyre which has been used for its entire specified life as per manufacturer’s guideline or where unused tread depth is less than 3 mm

Other Exclusions

  • If the car was driven under alcohol or other intoxicating substances, the client cannot file claims.

  • If someone operated the car without a valid driver's licence, the client cannot file claims.

  • The client cannot file claims if the policyholder was guilty of contributory negligence or if a voluntary act caused the damage.

  • 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 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.

Why Choose Car Insurance with Tyre Secure Tata AIG

Tata AIG is a renowned brand in the insurance industry. We focus on customer convenience and satisfaction and thus provide adequate car insurance plans at affordable rates.

Tyre cover for cars is one of the many add-ons we offer with our comprehensive and standalone car insurance plans. The tyre secure add-on can save you a lot of money in the long run.

Adding this rider to your Tata AIG car insurance plan will make your rides smooth and seamless. You can also avail of the other add-on services offered, such as roadside assistance, engine protections, and zero depreciation cover.

All our add-ons are designed to provide maximum financial support to keep your car in the best possible condition and ensure it lasts a long time. Get your car insurance with the necessary add-ons today!

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

Related Articles

Is tyre burst covered by insurance?

Is tyre burst covered by insurance?


With the base policy, a tyre burst is not covered until it is due to accidental damage. However, with the purchase of the tyre cover add-on with your base policy, you can get ample support in such situations.

What is the benefit of buying zero depreciation and tyre cover together?


When you invest in both these add-ons with your comprehensive car insurance policy, you can benefit from some financial support for tyre damage claims. However, please note that the entire claim will not be covered. You will also have to pay out of pocket for replacement and repair expenses.