A tyre protection cover add-on, also known as a tyre protection plan or tyre warranty, is a type of insurance or extended warranty that provides coverage for damage or repairs to your vehicle's tyres. It is typically offered as an optional add-on when purchasing new tyres or as part of a comprehensive car insurance policy . The purpose of a tyre protection cover is to protect you from unexpected costs associated with tyre damage or punctures.
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What is tyre protect cover?
Steps to buy insurance online from Zurich Kotak General Insurance
How to download your policy copy
Losing your car insurance policy may lead you to pay heavy fines, although you have one. But now, you can immediately download your car insurance policy copy from our website.
2
Enter your policy number
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Enter your registered mobile number Or your registered email Id
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Click on Get OTP
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Type the OTP and click on download car insurance policy document
How to file a claim for Tyre Protection Cover at Zurich Kotak
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Call us on 1800-2120 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
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Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
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You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
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An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
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On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
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You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor.
1
Call us on 1800-2120 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
2
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
3
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
4
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
5
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
6
You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor.
Cashless garages near you
Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.
Important car insurance terminologies you must know
Insured Declared Value (IDV)
IDV is the maximum sum your insurer will pay if your vehicle is stolen or declared a total loss. It reflects your car’s current market value after depreciation. Setting the right IDV helps balance your car insurance premium and claim amount.
No Claim Bonus (NCB)
NCB is a discount on your car insurance premium earned for each claim-free policy year, starting at 20% and going up to 50%. It’s transferable when switching insurers and encourages safe driving habits.
Depreciation cover
A depreciation cover, often called zero depreciation add-on, ensures your claim amount isn’t reduced due to part depreciation. It covers full replacement costs of damaged parts, excluding wear and tear, during a valid claim.
Premium
The premium is the cost you pay to keep your car insurance policy active. Factors like IDV, vehicle age, coverage type, add-ons, and claim history influence the premium amount.
Coverage in car insurance policy
Coverage refers to the protection your car insurance policy offers—ranging from third-party liabilities to own-damage protection against accidents, theft, fire, and natural or man-made calamities.
Own Damage cover
Own Damage cover protects your vehicle against accidental damage, theft, fire, and natural disasters. It’s available as part of a comprehensive policy or as a standalone cover alongside third-party insurance.
Cashless claims
Cashless claims let you get repairs at authorised network garages without paying the full bill upfront. Your insurer directly settles the approved amount with the garage, reducing out-of-pocket expenses.
Comprehensive Insurance
Comprehensive insurance offers complete protection by combining third-party liability cover with own-damage coverage, plus the option to add extra benefits through add-ons for enhanced security.
Deductibles
A deductible is the fixed amount you must pay from your pocket before your insurer covers the remaining repair cost during a claim. Choosing a higher voluntary deductible can lower your premium.
Third-Party Liability
Coverage that compensates for damages or injuries caused to another person, vehicle, or property.
Personal Accident Cover
Compensation for injuries, disability, or death of the insured person due to an accident.
Endorsement
A modification or addition to the existing insurance policy.
Cashless Garage Network
A list of garages where repairs can be availed without paying upfront, as the insurer settles the bill directly.
Claim Settlement Ratio (CSR)
The percentage of claims settled by an insurance provider against the total claims received.
Roadside Assistance (RSA)
An add-on service that provides help in case of breakdowns, flat tires, or battery failure.
Grace Period
The additional period after policy expiry during which the policyholder can renew their insurance without losing benefits.
FAQs Tyre protection add-on Cover
Questions you may have about Zurich Kotak General Insurance
A tyre protection cover generally includes coverage for tyre damage caused by road hazards, punctures, blowouts, and sometimes even wear and tear.
Exclusions can vary, but common items not covered by tyre protection covers include cosmetic damage, intentional damage, damage from improper use or maintenance, damage from racing or off-roading, and damage caused by vandalism or accidents.
Some tyre protection plans may have mileage restrictions or coverage limits based on the tread wear of the tyres. It's essential to review the terms and conditions to understand any limitations regarding mileage or tyre usage.
Tyre protection covers are typically offered for new tyre purchases.
The tyre protection cover may have specific requirements regarding authorized repair shops or service centers. It's important to understand if you have the flexibility to choose where to get your tyres serviced or if you need to go to specific authorized locations.
The value of a tyre protection cover depends on various factors such as your driving habits, the condition of the roads you drive on and the potential cost of tyre repairs or replacements.