The roads in India are notorious for their poor upkeep, and yet, these are the very roads your vehicle is bound to ply. To ensure the safety of your vehicle, you may be doing the best you can – buying car insurance, ensuring regular servicing of your vehicle and its engine, and more. This sort of maintenance mostly tends to the smooth running of what’s under the hood and what appeals to the eye.
However, there is one component of your car which you may be missing, and which may need regular upkeep as well – the car tyres.
The tyres of your car are one of the most important parts of your car. Having healthy, well-maintained tyres is what ensures that your car runs smoothly, irrespective of how the road to your destination may be. Ignoring your tires, and neglecting them, can lead to your journeys becoming bumpier and rockier.
There are a few ways to protect your tyres and keep them healthy. While you can ensure that you don’t neglect them when you take your car for servicing or maintenance sessions, you can also opt for a tyre protection cover when you buy car insurance online or offline.
Understanding Tyre Protection Cover
Tyre protection cover is one of the add-ons you may be able to buy with your insurance cover. This can be opted for whether you choose to buy car insurance online or offline.
Let’s first understand what policy add-ons are.
These are additional features offered by the insurance provider alongside your policy, so you may be able to enhance your car insurance plan and have more offered to you. Remember that choosing add-on features may reflect in the cost of your policy, i.e., you may have to pay a higher premium.
Tyre protection cover is one of the several add-ons available today with various insurance providers. It can be bought as part of a new car insurance policy or also be added to the policy during car insurance renewal. * Standard T&C Apply
What does it offer? To put it plainly, it is an insurance cover that offers financial protection for your tyres.
Tyre Protection Cover Inclusion
Depending on your insurance provider, the inclusions and exclusions of a tyre protection cover may differ. Here are some of the common inclusions of a tyre protection cover that policyholders or car owners ought to know.
If a tyre is damaged, owing to any mishaps, to the extent that it needs to be replaced, it may burn a hole in your pocket. However, a tyre protection cover can protect you against it, as it covers such replacements. If you do not have such a cover, tyre replacements will have to be paid from your own pocket, in case of car damage. *
- Labour charges
In addition to tyre replacement, this sort of cover also protects against the labour charges of replacing or repairing a tyre. This reduces the expenses that you may have to pay and brings more under the scope of the policy. *
Tyre Protection Cover Exclusions
As one should be aware of the features of the policy, one should also get acquainted with the exclusions of a plan. Here are some of the common instances that are not covered by tyre protection add-on insurance.
- The policyholder may not be able to make a claim if the driver was under the influence of alcohol or any other such substances that have an intoxicating effect.
- Costs of puncture are not covered.
- The driver of the vehicle must hold a valid driving licence, otherwise, claims may not be entertained by the insurance provider.
- If servicing is done in an unlicenced service shop, and any damages are done there, or if the service was flawed, it may not be covered by this add-on.
- If the car was a part of a race or a rally, and any damage was sustained at such events, it will not be covered by the policy.
* Standard T&C Apply
Remember that inclusions and exclusions may vary across insurance providers. Ensure that you read through the policy document carefully to get to know these better. Furthermore, remember that such an add-on can increase the cost of your policy. Use an online car insurance calculator to check the car insurance prices before and after the add-on feature is included.
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.
Hey, I am Raj. I am the owner and content publisher at Financenize. I have completed my education till intermediate school and after that turn to a full-time blogger and content writer. I usually share the quality information for the readers in Financenize, which helps the small business, individuals and entrepreneurs and the information I share makes their task more manageable. I am expert in analyzing the current situation and deliver a profitable period to the extent. You can find me on various social media handles online.