Tyre Protection Cover in Car Insurance
You're cruising down the highway, music on, spirits high, when suddenly—thud! A nail punctures your tyre, leaving you stranded. Tyres take the brunt of every pothole, sharp object, and sudden brake. Yet, we often neglect their protection when choosing a car insurance plan.
But don’t worry! The tyre protection cover has got you covered. This cover ensures your wallet doesn’t bear the Read More...
But don’t worry! The tyre protection cover has got you covered. This cover ensures your wallet doesn’t bear the Read More...
Tyre Protection Cover in Car Insurance
What is a Car Tyre Secure/Cover?
A car tyre secure cover is an add-on feature in a car insurance plan that specifically safeguards against tyre-related damages. It covers costs associated with punctures, accidental cuts, bulges, and even tyre replacement under specific conditions. This add-on ensures that tyre-related expenses don't leave you with a flat wallet.Benefits of SBI General Tyre Protection Car Insurance Cover
The SBI General Tyre Protection Car Insurance Cover offers several benefits that enhance vehicle security and provide peace of mind for car owners.
Here are the key advantages:
Comprehensive Tyre Coverage:
Protects against accidental damage, theft, and non-accident-related issues like punctures or cuts.Labour Charges Included:
Covers labour costs for tyre removal, refitting, and balancing during repairs or replacements.Cashless Repairs:
Offers cashless services at authorised network garages nationwide.Enhanced Vehicle Safety:
Adds an extra layer of protection, ensuring overall vehicle reliability.Safety:
Provides peace of mind during long journeys or regular commutes.
What’s Covered in Tyre Protection Car Insurance Cover?
A tyre protector in car insurance typically includes:
Repair and Replacement Costs:
The policy covers expenses for the repair or replacement of tyres that are damaged due to accidental loss, cuts, or other specified incidents.Labour Charges:
This includes reimbursement for labour costs associated with the removal, refitting, or rebalancing of tyres during repairs or replacements.Accidental Damage:
Coverage extends to various types of accidental damage such as bulges, cuts, or bursting of tyres, which render them unfit for use.
What’s Not Covered in Tyre Protection Car Insurance Add-On?
While the tyre protection cover is extensive, certain exclusions apply:
- Normal wear and tear or minor puncture repairs.
- Manufacturing defects or unauthorised repairs.
- Damage from improper storage, transportation, racing, or competitive events.
- Theft, vandalism, or deliberate acts.
- Routine maintenance like alignment or balancing.
Who Should Opt for Tyre Secure Cover?
A tyre protection cover in car insurance is ideal for:
Daily Commuters:
Frequent users can safeguard against tyre wear and damage.Long-Distance Travelers:
Ideal for those driving across states or long routes.New Car Owners:
Protects new vehicles from tyre-related expenses.Residents of Hilly Areas:
Essential for harsh and uneven terrains.Adventure Enthusiasts:
Mitigates risks during road trips or rugged journeys.Drivers in High-Risk Areas:
Suitable for regions with poor road conditions or accident-prone zones.
When is a Tyre Protection Cover Not Applicable?
There are specific scenarios where this cover won't apply:
- Tyres are damaged due to non-accidental causes like ageing or wear and tear.
- If the car is used for illegal activities or commercial racing.
- Improper tyre installation or maintenance.
How to Buy/Renew Tyre Protection Car Insurance Cover?
Purchasing or renewing a tyre protect cover in car insurance online is quick and hassle-free. Many insurers, including SBI General, provide user-friendly platforms for this add-on.
Here's how you can get started:
Visit the Provider’s Website:
Head to the car insurance section and explore add-ons.Select the Tyre Protect Cover:
Choose this cover to safeguard against damages like punctures, bulges, or accidental cuts.Submit Documents and Make Payment:
Complete the required documentation and pay the premium online.
With SBI General, buying or renewing the tyre protect cover online is seamless, ensuring your car's tyres are well-protected against unexpected damages.
Frequently Asked Questions
No, the tyre protection cover does not include rim damage unless you’ve specifically opted for a rim damage add-on. Rim damage cover provides separate protection for cracks, dents, or breaks in the rims caused by accidents or road hazards.
No, the tyre protection add-on does not cover losses due to theft or vandalism. These scenarios are typically covered under a comprehensive car insurance policy, which addresses damage or loss caused by such incidents.
No, tyre protection add-ons are not available with third-party insurance plans. They are only available with comprehensive or standalone own-damage car insurance policies.
No, insurers will only cover the cost of replacing the tyre with the same model or equivalent as the original. If you wish to upgrade, the additional cost must be paid out of pocket.
Yes, a consumable cover add-on typically covers the cost of replacing consumables like nuts, bolts, screws, and other similar components provided the damage is linked to a valid claim.
No, the tyre protection cover does not cover issues like noise or vibrations unless these are caused by physical damage to the tyre from an insured event. Routine wear and tear or manufacturing defects are excluded.
To avoid the risk of tyre slashing, always park your car in secure, well-lit areas, as these locations deter potential vandals. Consider using tyre locks for added protection, making it harder for anyone to tamper with your tyres. Regularly inspect your tyres for signs of cuts, suspicious damage, or wear that could make them more vulnerable. Lastly, avoid parking in high-crime areas or isolated spots where your car is more likely to be targeted.
You can purchase a tyre protector add-on while buying or renewing a comprehensive car insurance policy online. Visit the insurer's website, choose your policy, and add the tyre protector option before making the payment.
Comprehensive car insurance does not cover tyre and tube repair costs unless you have opted for a tyre protection cover add-on, which specifically includes such expenses.
No, Zero Depreciation add-ons typically exclude tyre damage. For tyre-related coverage, you need a separate tyre protection cover.
Yes, some insurers offer alloy wheel damage insurance as a part of a rim damage cover or as an independent add-on. It provides coverage for damages to alloy wheels caused by accidents or road hazards.
Standard car insurance does not cover bent rims unless you have opted for a rim damage add-on. This add-on specifically includes coverage for damages like cracks, dents, and bends in the rims.
No, insurers will not cover the cost of tyre upgrades during a claim. They only reimburse for the cost of a tyre equivalent to the original model.
Yes, labour charges related to tyre replacement are typically covered under a tyre protection cover, provided the claim is valid and falls within the policy terms.
Yes, you can add a tyre protection cover while renewing your comprehensive car insurance plan. Ensure you include it during the renewal process for continuous protection.
Disclaimer: The above information is indicative in nature, for more details on complete coverage and terms and conditions, please contact our nearest office and also read the policy document and sales brochure carefully before concluding a sale.
*The figures are based on Public Disclosure Reports published for FY2023-24. Claim Settlement Ratio of 99.3% pertains to Motor Own Damage for the Financial Year 2023-2024 and the same is calculated using the formula - Claim Settlement ratio= (Claims Settled + Claims Closed) / (Claims Reported) x 100.
SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.
*T&C Apply
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