When purchasing car insurance, many vehicle owners opt for Zero Depreciation Insurance to maximize their claim benefits. However, there is often confusion regarding whether tyres are covered. Let’s break it down in simple terms.

What is Zero Depreciation Insurance?

Zero Depreciation Insurance, also known as bumper-to-bumper insurance, is an add-on cover that ensures full claim settlement without factoring in depreciation on car parts. Unlike a standard comprehensive policy, which deducts depreciation before paying out a claim, zero depreciation insurance covers the entire repair or replacement cost for most parts, including plastic, fiber, and metal components.

Key Features:

✅ Covers repair/replacement costs without depreciation deduction.
✅ Applicable to plastic, rubber, and fiber components.
✅ Available for vehicles up to 5 years old in most cases.
✅ Limited to a specific number of claims per year.
✅ Premium is higher than a regular comprehensive policy.

However, despite its extensive protection, tyres are generally not covered unless you have a specific add-on. Let’s explore why.

Are Tyres Covered Under Zero Depreciation Insurance?

Tyres are typically not covered under a standard zero depreciation insurance policy. This is because insurers classify them as wear-and-tear components, meaning they naturally deteriorate over time.

Why Are Tyres Not Covered?

🔴 Wear and Tear Component – Tyres degrade naturally due to road usage. Insurance does not cover gradual deterioration.
🔴 High Depreciation Rate – Most insurers apply a 50% depreciation on tyres when processing claims.
🔴 Frequent Risk of Damage – Tyres are exposed to rough roads, potholes, and sharp objects, making them more prone to damage.
🔴 Explicit Exclusions in Policies – Most insurance policies specifically exclude tyres and tubes unless a tyre protection add-on is purchased.

What Happens if Your Tyres Are Damaged?

Depending on the cause of tyre damage, claim eligibility will vary:

1. Tyre Damage Due to an Accident

✅ Covered if the damage occurs along with other parts in an accident.
🚫 Not covered if only the tyres are damaged (unless a tyre protection add-on is included).

2. Tyre Damage Due to a Puncture or Blowout

🚫 Not covered under standard policies or zero depreciation insurance.
✅ Covered if you have a tyre protection add-on.

3. Tyre Damage Due to Normal Wear and Tear

🚫 Not covered under any insurance policy.
✅ Owners must replace worn-out tyres at their own expense.

4. Theft or Vandalism of Tyres

✅ If all four tyres are stolen or damaged due to vandalism, some insurers may provide partial coverage under a comprehensive policy.

How to Get Insurance Coverage for Tyres?

To get financial protection for tyre-related damages, consider a tyre protection add-on.

What is a Tyre Protection Add-On?

A tyre protection add-on is an optional cover that ensures reimbursement for tyre repair or replacement costs due to accidental damage.

Benefits of a Tyre Protection Add-On:

✅ Covers accidental tyre damage (potholes, sharp objects, or road hazards).
✅ Covers replacement costs without depreciation deductions.
✅ Covers sidewall damage and bulges.
✅ Includes labour charges for tyre repair (in some policies).

Who Should Get a Tyre Protection Add-On?

🚗 Owners who frequently drive on poor road conditions.
🚗 People with high-end vehicles (expensive tyres).
🚗 Those looking for comprehensive vehicle protection.

Comparison: Zero Depreciation Insurance vs. Tyre Protection Add-On

Best Tyre Protection Add-On Plans

Here’s a detailed comparison of tyre protection add-ons from leading insurers:

Which Tyre Protection Plan is Right for You?

• For city drivers: ICICI Lombard or Bajaj Allianz provide good coverage for potholes and road hazards.
• For highway & long-distance travelers: Tata AIG Tyre Secure offers broad protection, including cuts and bursts.
• For luxury cars with expensive tyres: HDFC Ergo’s plan includes rim protection, making it ideal for premium vehicles.

Frequently Asked Questions (FAQs)

1. Can I claim insurance if my tyre bursts while driving?

🚫 No, unless you have a tyre protection add-on. Standard zero depreciation policies do not cover such damages.

2. Does car insurance cover tyre punctures?

🚫 No, tyre punctures are considered wear and tear, which is excluded from standard insurance.

3. How much does a tyre protection add-on cost?

💰 Costs vary by insurer but typically add 5-10% to your premium.

Conclusion

While zero depreciation insurance offers extensive coverage for car repairs, tyres are not included unless you purchase a tyre protection add-on. If you frequently drive on rough roads, investing in this add-on can save you from unexpected tyre replacement expenses. Always compare different insurers and check policy details before making a decision!

🚗 Want complete peace of mind? Consider adding tyre protection to your policy today!