Rim Damage Cover

Due to the bad road conditions in India, traveling by car may not be a great experience for all. Car owners usually encounter situations when the wheel rims get damaged. The rim of the wheelers may even bent or crack due to irregular road conditions. Rim damage add-on cover helps you protect the rims of your vehicle in case of loss or damage caused to the same. This type of add on can be purchased along with car insurance policy by paying additional premium.

RIM damage add-on cover protects the rims of the vehicle in case of loss or damage caused to it. This add on cover can be utilized up to a specific number of times in one policy year. With this cover, the damaged rims are replaced with new ones having similar model, make and specifications.

A comprehensive car insurance policy does not offer coverage for RIM damage. Whereas, a third party insurance policy only provides coverage in case of damages caused to third party or property. When driving on Indian roads, the potholes and debris can cause great damage to the rims. Hence, to protect the rims, this optional cover can be purchased by paying additional premium.

• Insurance companies offer this coverage only for vehicles fitted with run flat tyres or tubeless tyres
• The coverage can be availed only 4 wheel rims in a policy year
• The insurance company should be informed about the identification number of the wheels rim in case the vehicle owner gets them replaced himself

Given below are the benefits of RIM damage add on cover

• Cost of replacement of the damaged wheel rims is covered
• Few insurance companies also cover cost of consumables, service and labour
• Cost of new rims up to cost of original rims is covered
• Cost of rims fitted with tubeless tyres or run-flat tyres are covered

• Theft of the insured’s car rims is not covered
• Damage caused to the rim before activation of the cover
• Damages caused due to accidental fire
• Minor damages that do not affect smooth functioning of the car
• Damages caused due to participation in illegal activity
• Damages caused due to manufacturing faults
• Regular wear and tear of the tyres is not covered
• Wheel balancing, wheel rotation, wheel alignment is not covered