Tyre Protection Cover in Car Insurance

Tyre protection cover is a valuable add-on cover in car insurance that protects your car’s tyres from damage. Tyres endure the most wear and tear due to rough road conditions, potholes, long-distance travel, rain, etc,. This tyre insurance cover ensures that you are financially protected if they need repair or replacement.

Drive on highways or through adverse weather conditions with Reliance General Insurance’s Tyre Protection Cover in car insurance, without worrying about out-of-pocket expenses related to tyre maintenance. We ensure your peace of mind and protect the most valuable part of your car, giving you the best driving experience every time.

With our car insurance plans, we offer:

What is Tyre Cover in Car Insu​rance?

Since tyre wear and tear are unavoidable, the expenses required for their repair and replacement are also unavoidable. Damage to your car's tyres can be caused by various reasons. Since they carry the entire weight of your trip quite literally, they require adequate protection.

Regular car Insurance does not cover damages to your car’s tyres. Thus, we offer car tyre insurance add-on that give financial protection for repairing or replacing damaged tyres and tubes. We also cover the cost of consumables while repairing your tyres' accidental damages.

We offer this optional add-on with our standalone own-damage car insurance and comprehensive car insurance plans. This ensures that you secure overall protection for your car and car parts.

Why Choose Reliance Tyre Prot​ection Cover?

What Does Tyre Insurance Cov​​er: Inclusions and Exclusions

Inclusions

• Damages to tyres due to wear and tear, accidents
• Labour charges incurred during the repairing and replacement of tyres
• Up to four replacements will be covered in a policy year
• Replacement of tyres of the same or similar make and specification

Exclusions

• Loss or damage from normal wear and tear, such as unevenly worn tires from steering geometry problems that go beyond the manufacturer's specified bounds or wheel balancing issues, suspension component failure, wheel bearing failure, or shock absorber failure
• Loss or damage caused by modifications not approved by the tyre manufacturer
• Loss or damage caused by failing to perform routine maintenance as advised by the manufacturer
• Repairs not done at an authorised garage

This list is only indicative. Read the policy wordings carefully to understand the extent of our tire replacement insurance’s coverage.

When is a Car Tyre Insurance​ Cover Not Applicable?

• When the driver is found to be driving without a valid driving licence, vehicle registration certificate and PUC
• When the driver is found to be driving under the influence of alcohol or other drugs
• When the damages are incurred due to hard driving, such as in a race or other illegal activities
• Where the unused tread depth is less than 3 mm
• When a fraudulent claim is made
• When the tyre replacement is completed without informing us about the details of the new tyre
• When damages are done due to poor workmanship during repair work
• When the loss or damage has resulted from a manufacturing defect or design

Who Should Buy Reliance Tyre Pr​otector Insurance Add-on Cover?

Frequent Drivers :

If you cover long distances regularly, especially on highways, tyre protection is crucial to safeguard against wear and tear.

Rough Terrain Drivers :

Our tyre protection cover in car insurance is ideal for those regularly driving on rough terrains, uneven roads or off-road conditions where the risk of tyre damage is high.

City Travellers :

It is also ideal for those who travel to cities for work or other daily activities. These roads often expose the tyres to potholes and poor road conditions, resulting in tyre damage.

Expensive Car Owners :

Premium car owners must have this add-on cover to protect their premium tyres from costly repairs and replacements.

Long-Term Car Owners :

For those who plan to keep their vehicle for a long time, this cover reduces the costs of damage to tyres from wear and tear.

New Car Owners :

Our car tyre insurance cover is especially for new car owners to keep tyres in optimal condition during the initial years.

How to Buy or Renew Car Tyre​​ Insurance Online with Reliance General Insurance?

Steps to Buy Tyre Protection Cover with Reliance Car Insurance Online

1. Visit the official Reliance General Car insurance
2. Input your contact details, such as mobile number and email ID. Enter your car’s registration number.
3. Get an instant quote based on your selections and car’s model.
4. Choose a plan, i.e., either our standalone own-damage or comprehensive car insurance Select the tyre protection add-ons and add more if needed.
5. You will be displayed a price based on the add-ons and plan selected. Confirm and complete the payment.

Steps to Renew Your Tyre Protection Cover with Reliance Car Insurance Online

1. Visit our official Renew Car Insurance
2. Enter the information asked, such as policy number, contact details, etc.
3. Add the tyre protection add-on cover along with any other add-on that you may need.
4. Claim your no-claim bonus, depending on the eligibility.
5. Verify your selections and complete the payment to renew your alloy wheel & tyre insurance.

How to Claim Reliance Tyre I​​nsurance Cover?

You can benefit from our tyre protection add-on cover by claiming your insurance in the following two ways:

Cashless Claims

1. Initiate your cashless car insurance claim for damaged tyres within 24 hours by any of the following methods:
   1. Call our helpline number +91-22-48903009 (paid)
   2. Log in to your Reliance Self-i App
   3. Go to our Car Insurance Claim page
2. Tow your car to one of our authorised network garagesnear you.
3. We will send one of our surveyors to inspect your claim and the damages to your car and tyres.
4. Get your repair work done from the network garage once we approve the claims.
5. After the repairs have been completed, we will settle the bill directly with the garage.

*Note that you have to pay for the uninsured parts, as well as deductibles or depreciation. You must settle these amounts for such repair.

Reimbursement Claims

1. Register your claim for repair tyre damages with us using any of the methods mentioned above.
2. Take/tow your car to any of the authorised garage of your choice.
3. Complete the repair or replacement of damaged tyres at the garage and collect the repair estimates, bills or invoices.
4. Fill out the claim formand attach all the necessary documents and bills with the form.
5. Submit the complete paperwork to get the cost of damages reimbursed by us.

*Note that for reimbursement claims, you have to settle the tyre repair/replacement bills with the garage from your own pockets. The expenses will be settled based on the policy coverage and terms.

Documents Required

• FIR (in case of a claim for theft)
• Policy document
• NOC of the financer
• Copy of registration certificate
• Copy of driving licence
• Garage name (with contact details)

Here is a full list of car insurance claim documents required for specific claims.

How is Tyre Protection Cover C​​laim Calculated?

The Insurance Regulatory and Development Authority of India (IRDAI) has set specific guidelines for calculating the tyre protection claim limits.

Based on that, we calculate the claim by evaluating the Mean Residual Tread Depth of the damaged tyre(s) at the time of loss, which is measured from the centre of the thread.

Here are the applicable criteria:

Frequently Asked Questi​ons

• Can I upgrade my damaged tyre while it is being replaced?

  No. Our policy covers the cost of repairs or replacement of tyres of the same or similar make and specifications. In such a case, you must bear the cost of tyre replacement.

• Does this add-on cover also offer coverage for rim damage?

  No, this add-on is specifically designed to provide financial protection for tyre damages. To get coverage for replacing or repairing your wheel's rims, you can opt for our RIM Protection Cover.

• Can I get the tyres repaired or replaced at any garage near me?

  To successfully claim our tyre protection add-on cover, you must get the repair work done from an authorised garage. Failure to do so can result in denial of your claim.

• What is the cost of tyre protection cover in car insurance?

  This cover is an optional add-on available to our own-damage and comprehensive car insurance owners. Thus, the cost of your insurance will depend on several factors:

  • Age of the car
  • Add-ons selected
  • Choice of insurance plan
  • Make and model of your car
  • Location
  • Driving record
  • IDV
• Does Nil Depreciation cover the damages to tyres?

  The nil depreciation add-on is designed to give you the full cost of repairs or replacement without depreciation deductions. Thus, this add-on does not cover your base policy's exclusions, including tyre repairs and replacement.​

Disclaimer:​

*T&C apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale. Details mentioned here are for the product- Reliance Private Car Package Policy. UIN: IRDAN103RP0010V02100001; Reliance Private Car Policy – Bundled, UIN: IRDAN103RP0007V02201819; Reliance Private Car Policy- Standalone Own Damage UIN- IRDAN103RP0001V01201920; "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819;
Premium: The premium mentioned for car Insurance is excluding taxes for the private car model Maruti Suzuki Alto 800 with cubic capacity of less than 1000 cc for a 1 year Own Damage Insurance policy for an IDV of ₹2,34,728. Premium used is 2,853/year as on 1 March 2023 and then converted into a per month basis, which gives us ₹238/month (2,853/12).
Network Garages: The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.
Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.