Tyre Protection Cover 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 premium. A tyre secure is one of the add-on services.

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. As a result, it's a good idea to get a car tyre secure.

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.

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

The add-on comes 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 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.

We will cover expenses for repair and/or replacement, as may be necessitated arising out of accidental loss or damage to tyres and tubes. In any situation company’s liability would not exceed the following, basis the unused tread depth of respective tyre (not applicable if Full cover is opted)-

• 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 cost of new tyre and/or tube.
• Unused tread depth of >=5 to < 7 mm - 75% of cost of new tyre and/or tube
• Unused tread depth of > = 7 mm - 100% of cost of new tyre and/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 means tread depth which will be the basis of indemnity under the coverage. Whenever replacement of tyre will be allowed it will be of the same make and specification and if tyre of similar specification is not available and replaced tyre is superior to damaged tyre then We will not be liable for betterment charges. Maximum of 4 (four) replacements will be allowed during the Period of Insurance.

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

1. If vehicle is not repaired at Authorized garage.
2. loss or damage arising out of natural wear and tear including unevenly worn tyres caused by defective steering geometry outside manufacturer’s recommended limits or wheel balance, failure of suspension component, wheel bearing or shock absorber.
3. any loss or damage within first 15 days of inception of the policy.
4. any loss or damage occurred prior to inception of the policy
5. any loss or damage resulting into total loss of the vehicle
6. routine maintenance including adjustment, alignment, balancing or rotation of wheels/tyres/ tubes
7. Loss or damage to wheel accessories, any other parts or rim.
8. theft of tyre(s)/tube(s) or its parts accessories without vehicle being stolen or theft of entire vehicle.
9. if the tyre(s)/tube(s) being claimed is different from tyre(s) insured/supplied as original equipment along with the vehicle unless informed to us and mentioned/endorsed on the policy.
10. fraudulent act committed by insured or the workshop or any person entrusted possession of the vehicle by insured.
11. loss or damage arising out of improper storage or transportation
12. any consequential loss or damage such as but not limited to noises, vibrations and sensations that do not affect tyre function or performance.
13. loss or damage arising out of modifications not approved by tyre manufacturer.
14. loss or damage resulting from hard driving due to race, rally or illegal activities.
15. loss or damage due to neglect of periodic maintenance as specified by manufacturer.
16. loss or damage resulting from poor workmanship while repair.
17. loss or damage arising out of any manufacturing defect or design including manufacturer’s recall.
18. minor damage or scratch not affecting the functioning
19. tyre which has been used for its full specified life as per manufacturer’s guideline or where unused tread depth is less than 3 mm

Important Conditions

1. If you make a fraudulent claim which is declined as per para 10 of “What We will not cover”, coverage under this section shall cease with immediate effect.
2. If during the Period of insurance any tyre is replaced for any reason for which claim is not preferred under the coverage, cover on new tyre would not be available unless details of new tyre are informed to us.
3. In case of replacement of tyre for which a claim is preferred under the coverage replaced tyre can be included by way of endorsement by paying requisite premium.
4. All claims must be made within 3 working days of damage.
5. You must take all reasonable steps to avoid loss or damage to tyre(s). You must not continue to drive the vehicle after any damage or incident if this could cause further damage to tyre(s).

• 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.

• 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 secure add-on 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!