Tyre Protection in Car Insurance

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Tyre Protection in Car Insurance

Home / Car Insurance / Tyre Insurance: Tyre Protection Cover in Car Insurance

Tyre Protection Insurance

A tyre is a significant component to bear the highest wear and tear as compared to any other part of the vehicle. Considering India’s road condition, it is essential to opt for an insurance policy to avoid unexpected repair or replacement costs of the tyre and tube. Read ahead to know about tyre protection in car insurance.

Tyre Protection in Car Insurance
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Tyre protection in car insurance is an add-on cover that provides financial coverage for the replacement cost of the car’s tyres. You can buy the Tyre Protection Cover with a Comprehensive Car Insurance Policy or standalone Own Damage (OD) cover by paying an additional premium. Since the basic plans do not cover damages to car tyres, it’s crucial to buy car insurance with a Tyre Protection Cover to enhance your vehicle’s coverage.

1. Comprehensive Insurance covers the cost of damage or loss to the insured vehicle due to an accident, fire, theft, natural and man-made calamities.

2. Accidents are ugly. It can damage your entire car and even tyres. Tyre insurance will help you protect from such damages.

3. Under Comprehensive car insurance, if your car gets damaged along with damages to tyres/tubes, the insurance company (for example, ACKO) is liable to pay 50% of the replacement cost.

4. It is important to note that ACKO is not liable to pay for any damages to tyres and tubes unless your car is damaged at the same time. 

What is Not Covered Under Tyre Cover in Car Insurance?
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It is recommended that you get acquainted with the exclusions under tyre insurance while buying Comprehensive car insurance for your car.


Tyre Repair and Puncture Cost
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Puncture is a common problem in a vehicle, which can be fixed in any car workshop. The tyre insurance cover doesn’t compensate for the minor tyre repair or puncture cost and also excludes regular wear and tear of the tyre and tube of the insured vehicle.


Replacing Cost of the Damaged Tyre
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Tyre damage can happen for various reasons, such as puncture, cracks, cuts, bulges, etc. In these cases, replacement may be a solution. If the vehicle is not damaged in this case, the cost to fix such damages will not be covered under tyre insurance.


Labour Charges
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Moving or fitting a tyre may cost you extra in the form of labour charges. Tyre cover in car insurance doesn’t cover labour costs for refitting, removing, or rebalancing the wheel.


Damage Due to Transportation and Overloading
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Improperly storing goods can damage the vehicle tyre by putting heavy load. The tyre insurance component under Comprehensive insurance does not cover the damage cost of the tyre of the vehicle used for commercial transportation purposes.


Repair Cost Due to Rally or Racing
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The tyre protection insurance doesn’t cover the damage that occurred to the tyre or tube of the insured vehicle due to racing or rally.


Claim Due to Theft
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Comprehensive car insurance excludes the claim due to theft or vandalism of tyre and tube.

Rim Damage Cover: Does car insurance cover rim damage?

It is common in India to encounter bad roads with potholes and cracks while driving. Apart from spoiling the driving experience, these bad roads may also damage your vehicle. Although intense damage is rare, damages like bent or cracked rims due to irregular roads are common.

Does insurance cover rim damage?

There are two types of insurance policies available for cars, namely, Third-party Car Insurance Policy and Comprehensive Car Insurance Policy. A Third-party Car Insurance Policy only offers financial protection against accidental injury, death or property damage to a third party. It does not cover accidental damages to the insured car. Consequently, it also does not cover damages to your car’s rims.

A Comprehensive Car Insurance Policy, on the other hand, offers Own Damage Insurance (OD) cover and financial protection against third-party liabilities. The OD component provides cover for accidental damages and damages arising from natural and man-made calamities. Thus, in the event of an accident, the financial cover is also extended to the damaged rim of the insured car. 

However, in non-accident cases, rim damage is not covered under this policy and a Rim Damage Cover has to be bought separately. Non-accident scenarios may include rim damages resulting from driving over potholes, road debris or driving too fast over speed breakers. That is why it is recommended to buy a rim cover on top of your Comprehensive Car Insurance.

What is Rim Damage Cover in car insurance?

A Rim Damage Cover offers financial protection against damages to the rims of an insured car. Such damages can result from driving over potholes, road debris or kerbs. This cover is usually offered by insurers in addition to a Comprehensive Car Insurance Policy and is subject to availability. And may increase the policy premium payable.

What is covered in Rim Damage Cover?

The following are the inclusions of a Rim Damage Cover. The exact list of inclusions may differ from insurer to insurer. Always either check with your insurer or go through the policy document to find out the exact inclusions of the policy.

Exclusions in Rim Damage Cover

The following are exclusions of a Rim Damage Cover. The exact list of exclusions may differ from insurer to insurer. Always either check with your insurer or go through the policy document to find out the exact exclusions of the policy.

Note: If you happen to change your car rims on your own, you will have to inform your insurer. You may also have to share details like the identification number of the new rims. 

Should you make a claim for rim damage?

If your car’s rims get damaged, it is important to consider whether it is worth raising a claim. You could base your decision on the cost of buying new rims and the type of wheels your car has. The reason is, most car insurers have a deductible that may be of equivalent cost to buying new rims. Also, you may lose the accumulated No Claim Bonus (NCB).

Benefits of ACKO Car Insurance Policy
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No Paperwork
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Certified by the Insurance Regulatory and Development Authority of India (IRDAI), ACKO is one of the digital insurance companies in India to offer car insurance online without any paperwork.

Low-priced Insurance Policy
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You can buy and renew your car insurance policy by filling in your vehicle details on the website without involving agents and middlemen. The car insurance premium is incredibly low as compared to the offline mode.

Continuous Support
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Our experts will guide you throughout the process of buying, renewing, and settling car insurance claims. It is wiser for you to opt for an online insurance policy to get instant service.

Frequently Asked Questions About Tyre Insurance
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Below are some of the most common questions about tyre insurance.

Is tyre and tube repair cost covered under comprehensive car insurance?


Motor insurance covers tyre and tube when the vehicle has met with an accident. However, comprehensive car insurance doesn’t cover tyre and tube damages when the vehicle has not met with an accident.

Does Zero depreciation cover tyre protection?


No, the Zero depreciation add-on does not cover tyre damage of the insured vehicle. Also known as Nil-depreciation or Bumper-to-Bumper cover, Zero-depreciation covers the repair cost of the car without considering the depreciation value. The Zero-depreciation cover offers 100% coverage for all types of fibre, plastics, and metals. However, this car insurance add-on doesn’t cover the replacement cost of tyres and tubes in case of a total loss of the insured vehicle.

How can I protect my car from tyre slashing?


Slashing of tyre can be a result of poor road conditions or vandalism. Tyre cover in car insurance does not compensate you for slashed tyres. 

Road condition is not inevitable, but protecting your vehicle from theft or vandalism is in your control. You can follow a few advices to protect your car tyre from slashing.

  • Park your vehicle safely

  • Install motor sensor lighting in the parking area

  • Install security camera where you park the vehicle

  • Immediately report to the nearest police station if tyre slashing happens

Is alloy wheel damage insurance available?


Yes, since alloy wheels are non-electrical components of a car, they can be covered under an accessories add-on under car insurance. However, it is not covered under a rim cover.

Does the tyre protection cover include rim damages?


A tyre protection cover does not include rim damages. However, a Tyre and Rim Protect add-on under Comprehensive Car Insurance offers financial protection against damages to an insured car’s tyres, rims and alloys.

How do I buy a Rim Damage Cover for my car?


A Rim Damage Cover can be purchased while buying Comprehensive Car Insurance. You just need to select the car insurance add-on and pay the additional premium for the same.

How to raise a claim for rim damage?


It is important to inform your insurer as soon as the damage occurs. Usually, insurers expect damage-related claims to be raised within three days of the damage occurrence. However, this may differ from insurer to insurer.

Does car insurance cover bent rims?


As mentioned earlier, regular car insurance usually does not offer financial cover against damages to an insured car’s rims. Unless, in the case of accidental damage. However, you can purchase a rim cover along with your Comprehensive Car Insurance and avail financial cover for damages to your car’s rims.