Tyre Protector Cover

Tyre protector cover offers the insured against any accidental loss or damage to their car's tyres. This is an add-on cover and can be purchased if a person buys a comprehensive car insurance policy. The cover helps with expenses including repairs and replacement as well.

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What is Tyre Protector in Car Insurance?

Tyres are among the most important parts of the car and are subject to unavoidable wear and tear. Not only do they bear the weight of the entire vehicle but also undergo a lot of abuse because of varying road conditions. Because of the unavoidable damages, regular car insurance will not offer coverage in case they are damaged. This is where a tyre protection cover comes into the picture.

At an additional premium, a tyre protector can be purchased along with a comprehensive car insurance policy. The cover will offer protection for the various repair and replacement related expenses of the tyres. In case of any accidental damage, cut or loss to the tyres, the insurance will cover the related costs as per the policy terms. Many tyre protection covers also include labour charges for these repairs and replacements. However, this should be confirmed with the insurance provider before making any purchase.

Tyre Protector in Car Insurance: What is Covered & Not Covered?

Depending on the insurer, there will be different benefits offered or not offered. These are the general inclusions and exclusions offered by most tyre protector insurance:

What is Covered?

Under a tyre protector cover, labour costs, expenses incurred in replacing or repairing a damaged tyre and other damages caused by accidents are covered.

• The insured will be reimbursed for the cost of replacing a damaged tyre with a new one
• The labour charges during the removal, refitting or rebalancing of the tyres
• Bulges or swells in the tyre, slice or cut to the tire, bursting of tyre, any accidental damage or loss to the tyre and tube rendering the tyre unfit for the vehicle will be reimbursed

What is Not Covered?

Most insurers don't offer any coverage in case of the following conditions:

• Puncture and other minor tyre repairs
• If service is done at an unauthorized garage or service centre
• Routine expenses such as balancing, adjustment, alignment etc.
• Damages caused due to manufacturing defect
• Any damage caused by overloading of people or luggage
• Loss incurred due to violating operating guidelines such as racing or rallying

Other than these, there may be other exclusions depending on the insurer. It is recommended to go through the policy terms carefully before buying any tyre protection add-on cover.

Who Should Buy Tyre Protection Insurance?

Since tyres are pretty important for any vehicle's smooth movement, enough care should be taken to ensure their optimum condition. Those who meet one or more of the following conditions should surely purchase this tyre protect cover:

• Those using their car for travelling daily
• People who cover long distances regularly, for example driving through different states etc.
• People residing in the hilly areas as their tyres are prone to harsher conditions

Accidents and other calamities rarely come with notice; having comprehensive insurance with tyre protection will go a long way to increase the car's life.