The tyres are among the most crucial parts of our cars. Compared to other parts of the vehicle, it experiences the most wear and tear. We must invest in high-quality tyres that will last the rough terrain of Indian roads and correspond with the vehicle’s usage. The tyres must be adequately inspected and covered by a comprehensive insurance policy. Nevertheless, general car insurance does not cover normal wear and tear damages. Then, how are you going to pay for the losses and harm brought on by unforeseen tyre damage? To learn more, continue reading.
How Can Car Insurance Help You Protect Your Tyres?
The outside of your car and its tyres usually sustain the most damage in an accident. For this reason, the Indian government mandates that all car owners using public transport have at least the most basic third-party car insurance online coverage. Nevertheless, the basic policy does not cover any damage to the vehicle’s tyres. Hence, purchasing a comprehensive insurance policy is advised if you frequently travel in difficult terrain. You can use a car insurance premium calculator to estimate the costs of premiums to be paid. Claims are subject to terms and conditions set forth under the motor insurance policy.*
The policy covers any losses and damages brought on by man-made or natural disasters. Additionally, it will assist you in shielding your tyres from harm. If your car sustains damage to any parts, including the tyres and tubes, your insurer should be responsible for covering half of the replacement cost. If the car is not damaged, your insurer is not obligated to cover the cost of repairs for the tyres and tubes. Make sure that you carry out the car insurance renewal process on time. Claims are subject to terms and conditions set forth under the motor insurance policy.*
What Are The Exclusions From Car Insurance’s Tyre Coverage?
Even though comprehensive policy covers everything, there are some restrictions regarding the tyres, which are as follows.
- Repairs And Punctures: A common issue encountered by cars on Indian roads is the puncture of tyres. Even though this is a simple fix that can be done in any network garage, insurance companies do not pay for these kinds of minor fixes. This also covers the standard tyre and tube wear and tear.
- Replacement Of Damaged Tyres: When a tyre sustains significant damage from cuts, cracks, bulges, etc., it must be replaced because it cannot be repaired. Your insurance will not pay for the replacement costs if these damages happen before the car has any damage.
- Transportation And Overloading Damages: The tyres may be damaged when a vehicle carries a heavy load. However, the comprehensive policy does not cover the cost of replacing a damaged commercial vehicle’s tyre during transit. Moreover, labour costs incurred during tyre fitting or relocation are not covered by it either.
- Damages/Losses From Racing/Theft: No car insurance policy covers losses from breaking the law. This covers harm done to the tyres and tubes during a race or rally. Moreover, it excludes claims of tyre and tube theft and vandalism.
Reviewing policy details and considering additional coverage options is crucial for ensuring adequate protection for your vehicle’s tyres.
*Standard T&C Apply
Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.