Tyre Protection Add-On Cover In Two-Wheeler Insurance

Tyres are the backbone of your bike-providing support whilst also going through a lot of wear and tear. While driving the bike, it is necessary to ensure that the tyres are in a good condition to protect yourself from an accident and also reduce the chances of the bike skidding or causing an accident. Also, considering the road conditions in India, it is necessary to purchase a tyre protection add on that provides coverage for repair and replacement of tyres. Buying a tyre protection add on comes at an extra cost, thus providing you peace of mind and reducing your out of pocket expenses.

Tyre protection add on cover is an enhanced coverage you can choose to buy along with your base bike insurance cover. This type of cover can be purchased along with comprehensive bike insurance policy by paying an additional premium. Comprehensive bike insurance plan does not provide coverage for damages or replacement of the tyre, thus increasing your out of pocket expense in case of an accident or damages caused otherwise.

A comprehensive bike insurance add on provides coverage in case of damages or loss of the insured vehicle due to an accident, theft, fire, natural or man-made calamity, but it does not provide cover in case of damages caused to the tyre

Tyre damage is covered in case of:

• Burst or impact
• Tyre flattening due to rough braking
• Damage caused due to sidewall bulging
• Coverage is provided for both replacement, repair and labor costs
• Cost of replacing the damaged tyre with a new tyre is covered
• Labor costs incurred towards removing, rebalancing or replacing the vehicle is covered
• Damages caused to the tyre due to accidental loss
• Damages caused to the tyre or tubes due to bulging tyre are covered
• Costs incurred due to bursting the tyre are covered
• Cost incurred towards tyre cutting is covered

Tyre protection add on cover does not provide coverage in case of:

• Damages caused to the bike when riding under the influence of alcohol
• Damages caused when riding without a valid driving license
• Damages caused to the bike due to voluntary act of the insured or contributory negligence
• Theft of the tyre is not covered
• Vandalism of tyre of tube
• Puncture and regular tyre repair cost is not covered
• Damages caused when riding in a rally or racing
• Damages caused due to defect in the service provided by an unauthorized service center
• Improper transportation or storage of the vehicle

Tyre protection add on cover should be purchased by the following individuals:

• Individuals residing in hilly areas
• Individuals who prefer traveling on bikes to hilly regions
• If you are a regular bike traveler

Factors to keep in mind before buying tyre protection add on cover

• Get your bike’s tyres serviced regularly
• Check on your bike’s tyres before making the purchase
• Wash the tyres regularly
• Don’t park your bike in the wrong place