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Suzuki Bike Insurance

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HONDA MOTORCYCLE - ACTIVA (102CC)

IDV: 5,00,000

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6,353 + GST

What is a tyre and wheel rim protect cover in two-wheeler insurance?

Tyre and wheel rim protect (can also be called as tyre protection) is an add-on available with two-wheeler insurance (bike insurance) that covers expenses you incur on repairing or replacing a damaged tyre or wheel rim. You can opt for this add-on with a comprehensive bike insurance policy by paying an additional premium. Without this add-on, you need to pay for repairing or replacing a damaged tyre from your pocket. Such expenses can be significant and can pinch your pocket hard.

Benefits of tyre protection cover add-on for bike

Here are the potential benefits of the tyre protect cover add-on:

Saves costly repairs

Tyre damage can be expensive to fix or replace. With tyre protect cover, the insurer takes care of the cost. You won’t have to pay out of pocket. It’s a wise way to avoid sudden and costly expenses.

Helps bike run smoothly

Damaged tyres can affect handling and safety. Replacing or repairing them quickly keeps your bike in top shape. This cover helps you maintain performance and stay safe on every ride.

Reduces out-of-pocket expenses

A comprehensive bike insurance doesn’t cover expenses for damaged tyres. With tyre protection add-on, most of the expenses are covered. It helps you save big in the long run.

What’s covered and not covered under tyre protection cover?

  • Inclusions
  • Exclusions

Tyre protection cover reimburses the expenses incurred on repairing or replacing a damaged tyre due to:

  • Tyre sidewall indentations
  • External impact
  • Tyre burst during normal usage

Tyre protect cover doesn’t provide coverage in the event of:

  • Total loss of the insured bike
  • Aggravation of loss
  • Any loss or damage within the first 15 days of inception of the policy
  • Loss or damage arising out of natural wear and tear, mechanical failure or improper suspension geometry as specified by manufacturer
  • Repair/replacement of tyres done without authorisation
  • Any loss or damage occurred prior to the inception of the policy
  • Minor damage or scratch not affecting the functioning
  • Damage arising out of violations of operating instructions such as racing, rally etc.
  • Damage arising out of improper storage or transportation

Who should buy tyre protection cover?

The following people should consider buying tyre and wheel rim protect cover:

Riders on rough roads

If you often ride through potholes, broken roads or under-construction areas, the tyres are more likely to get damaged. In such cases, this cover can come to your rescue. It ensures peace of mind even if your tyre bursts or gets cut due to bad roads.

Daily commuters

If your bike is your primary mode of travel daily, tyre wear and tear happen faster. Unexpected punctures or tyre damage on your way to work or home can be frustrating. This cover keeps you prepared and avoids unplanned expenses.

Long distance riders

Are you touring or riding long distances regularly? If yes, tyres face more strain over time and can fail without warning. A tyre and wheel rim protect cover adds a safety net during your journeys so you can ride worry-free.

Frequently asked questions on tyre protection cover in bike insurance

Is tyre damage covered in standard bike insurance?

No, tyre damage is usually not covered under a standard comprehensive bike insurance policy. You need to buy a separate tyre and wheel rim protect add-on to get this benefit. Without it, you’ll have to pay for any tyre-related repairs yourself.

Does the tyre cover include tube and rim damage?

Some tyre protection covers also include protection for the inner tube and wheel rim. However, it depends on the insurer. Always check your policy wording to see what parts are included.

How many times can I claim tyre damage in a year?

Most insurers limit the number of claims you can make under this cover. For example, ICICI Lombard's tyre and wheel rim protect allows a maximum of 2 replacements of tyre(s), tubes or wheel rims during the insurance period.

Why should I consider buying tyre protection cover?

Bike tyres are expensive and prone to damage from poor roads, sharp objects or potholes. This add-on helps reduce unexpected repair costs. It offers peace of mind and saves money in the long run.

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