Tyre Protection Cover in Car Insurance

Think of tyre protector in car insurance as a safety net for your tyres. It's an extra cover you can add to your comprehensive or own-damage policy for a small additional cost. Unlike regular insurance, this one focuses only on your tyres and tubes.

Here's what a tyre protection cover means: if your tyre gets cut, bursts, or develops a bulge from hitting a pothole or sharp debris, this cover helps you pay for fixing or replacing it. It applies even when only the tyre is affected.

The best part is that how much money you get back depends on how worn your tyre is. The tyre and rim protection cover checks the tread depth—that's the rubber pattern on your tyre. For example, if your tyre still has deep treads (7mm or more), you get 100% of the cost of a new tyre and/or tube. On the contrary, less tread means less coverage.

Tyres go through the most wear and tear, yet they're often overlooked. That’s where a tyre protection cover comes in handy, offering coverage where standard policies don’t.

Covers Damage to Tyres Alone

You don't have to wait for significant damage to your car to make a claim. Even if just one tyre gets damaged from hitting a pothole or sharp object, tyre protection cover in car insurance has you covered. This means you get help quickly without needing major car damage, which makes the claims process faster and simpler.

Saves You From Expensive Bills

Good-quality tyres can be expensive. With this tyre protection cover, you get money back based on tread depth. Newer tyres with 7mm or more tread get 100% coverage. That means you might pay nothing at all for a replacement. This saves you money, especially if you have a premium car with expensive tyres.

Works for All Four Tyres

Road conditions can affect any tyre at any time. That's why this cover lets you claim up to four tyre replacements in one year. Whether you're a daily commuter or take long trips on highways, having protection for all your tyres gives you complete peace of mind. You can drive confidently knowing every tyre on your car has the required coverage.

Protects Your Car's Health Overall

Damaged tyres create bigger problems if ignored. They cause suspension damage, car imbalance and risky driving. When you have four-wheeler insurance with tyre protection, you fix problems immediately without worrying about costs. This safeguards your car, prevents expensive repairs later, and most importantly, keeps you and your family safe on every journey you take.

• Covers Accidental Tyre Damage: We will pay for fixing or replacing your tyres and tubes when they get damaged in an accident—like hitting potholes, sharp objects, or road debris.
• 50% Coverage for Moderately Worn Tyres: If your tyre's tread measures between 3mm to 5mm, we will cover half the cost of a new tyre or tube.
• 75% Coverage for Good Condition Tyres: When your tyre still has 5mm to 7mm of tread left, we will pay three-quarters of the replacement cost.
• 100% Coverage for Nearly New Tyres: If your tyre has 7mm or more tread depth, you are eligible for the full cost of a new tyre
• Matching Tyre Replacement: Your replacement tyre will match the brand and type of the damaged one. And if the exact model isn’t available, we’ll provide an upgraded option at no extra cost to you.
• Covers All Four Wheels: You can claim for a maximum of 4 tyres during your policy year. That's all four wheels covered if bad roads damage them throughout the year.
• Accidental Tyre Damage Coverage: If your tyre and tube are damaged because your car was in an accident covered under the Own Damage section, we only pay the difference between the depreciation applied there and what’s covered under this tyre protection.

• Repairs Done Outside Network Garages: Repairs done outside our authorised garages are not covered. Only work at network garages is eligible for cashless claims and faster processing.
• Normal Wear: Normal tyre wear and tear is not covered. Also excluded are damages from uneven wear due to poor wheel alignment, worn suspension, faulty steering, or ageing shock absorbers.
• Initial Two Weeks: Any damage in the first 15 days after buying the policy won't be covered to avoid insuring already-damaged tyres.
• Existing Damage Before Buying Policy: Damage existing before the policy start date is not covered. Only tyre damage occurring after the policy is purchased is eligible.
• Totally Wrecked Cars: If your entire car is written off as a total loss, this tyre cover doesn't apply. It only works when your car can be repaired.
• Regular Maintenance: Routine maintenance such as wheel balancing, tyre rotation, or alignment adjustments is not covered. Coverage applies only to accidental damage.
• Excludes Rims and Accessories: This add-on covers only tyres and tubes. Rims, wheel caps, hubcaps, and other wheel accessories are excluded.
• Stolen Tyres: We do not cover theft of tyres, tubes, or accessories unless the whole vehicle is stolen.
• Wrong Tyres: Tyres changed without prior notification are excluded. Only the original or officially updated tyres under the policy are eligible for claims.
• Fraudulent Act: Fraudulent actions by the insured, the garage, or anyone authorised to handle the vehicle are excluded from coverage.
• Storage and Transport Issues: Damage while your tyres are being stored incorrectly or transported separately isn't covered.
• Modified tyres: Damage caused by using modified tyres not approved by the manufacturer is not covered. Only manufacturer-recommended tyres are eligible.
• Racing or Rash Driving: Tyre damage from racing, stunts, or illegal driving is not covered.
• Negligence: Damage resulting from neglect or skipped maintenance is not covered.
• Poor repair: Tyre damage caused by poor repairs or workmanship is not covered.
• Manufacturing defect: Loss or damage resulting from defects in manufacture, design issues, or recalls by the manufacturer is excluded.
• Minor damage: Minor scratches or damages that do not affect the vehicle’s functioning are not covered.
• Worn-out tyres: Tyres that have reached the end of their specified life or have less than 3 mm of tread remaining are not covered.

Daily Commuters

If you drive daily for work or errands, your tyres face constant wear from traffic and rough roads. This makes tyre protection cover very important for regular drivers. The small premium costs much less than frequent replacements, which helps you maintain your routine without unexpected expenses disrupting your budget.

People Living in Hilly Areas

Hilly regions have sharp stones and rough mountain roads that can damage tyres easily. Living in such areas means facing higher risks daily. Tyre protection cover insurance becomes more valuable when you need repairs in remote locations where professional help is expensive and hard to find.

New Car Owners

When you buy a new car, protecting it from day one makes financial sense because new tyres have higher replacement costs. The tyre protection cover cost is small compared to replacement expenses, keeping your new car experience worry-free and your budget safe.

Adventure Travellers

Road trips to mountains and beaches mean driving on unpredictable terrain that can damage tyres. Different road conditions increase risks during your journeys. Tyre protection cover insurance lets you explore confidently to ensure your flat tyres won't ruin your plans.

High-Accident Area Residents

Poor roads with potholes and debris constantly threaten your tyres in high-risk areas. Such conditions make damage likely over time. The tyre protection cover cost is worth it when repairs become frequent. It gives your financial security and keeps you prepared for sudden damage in challenging locations.

Long-Distance Travelers

Frequent highway travel puts a lot of stress on your tyres through extended use and high mileage. Long distances expose them to debris and cause damage. Tyre protection cover insurance protects you from large, unexpected bills during long trips.

1. Visit Website: Go to the official TATA AIG website and click on the car insurance section clearly.
2. Enter Car Detail: Type your car registration number in the box and click the "Get Price" button now.
3. Choose Policy Type: Select the comprehensive or own-damage policy option that suits your needs and budget.
4. Add Tyre Protector: Add the tyre protection cover option from the list of available add-ons shown on screen.
5. Check Premium: Review the total tyre protection cover cost displayed based on your car's make and model and other factors.
6. Make Payment: Complete payment using your preferred method, like card, UPI, or net banking, to finish the purchase.
   Note: You can also include the tyre-protect add-on while renewing your existing insurance policy. However, it cannot be done if you have opted for third-party insurance.

Filing a claim under Tata AIG’s tyre protection in car insurance is quick and hassle-free.

1. Report Damage Quickly: Call TATA AIG within 3 working days of tyre damage at 022-6489-8282 to register a claim.

2. Get Claim Number: Note down the claim registration number given to you for tracking your claim status online.

3. Visit Authorised Garage: Take your car to any TATA AIG-approved garage from their 5700+ network across India.

4. Submit Documents: Give the claim form, policy copy, RC copy, and repair bills to the garage for verification.

5. Tyre Inspection: Garage will check the tread depth of the damaged tyre to decide your tyre protection cover insurance payout.

6. Get Replacement: Receive a new tyre or reimbursement based on the tread depth coverage mentioned in your policy terms.

Potholes, sharp stones, and rough surfaces are things that your car's tyres have to deal with on a daily basis on roads. While comprehensive four-wheeler insurance protects your vehicle to a large extent, it only covers tyres in major accidents.

To ensure complete protection, TATA AIG Tyre Secure cover fills this gap perfectly. By paying a small additional premium, you can protect yourself from spending thousands on unexpected tyre repairs or replacements, which makes your car insurance policy truly comprehensive.

Moreover, at TATA AIG, we make things simple for you. Adding tyre protection to your policy takes just a few clicks. You can buy car insurance with this cover online in minutes—no paperwork, no hassle.

Plus, when you drive safely and don't make claims, you earn NCB in car insurance (No Claim Bonus) that reduces your premium for the next year. With over 5700 network of garages across India, you can be sure to get cashless claims and quick service wherever you are.