{"id":17355,"date":"2026-11-06T13:22:15","date_gmt":"2026-11-06T07:52:15","guid":{"rendered":"https:\/\/www.tyremarket.com\/tyremantra\/?p=17355"},"modified":"2026-11-06T13:22:19","modified_gmt":"2026-11-06T07:52:19","slug":"how-tyre-choice-affects-insurance-claims-after-an-accident","status":"publish","type":"post","link":"https:\/\/www.tyremarket.com\/tyremantra\/how-tyre-choice-affects-insurance-claims-after-an-accident\/","title":{"rendered":"How Tyre Choice Affects Insurance Claims After an Accident"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Standard comprehensive two-wheeler insurance in India<\/strong> does not usually cover tyre and tube wear and tear under <strong>Own Damage cover<\/strong>. Tyre-only damage is generally excluded, but insurers may cover tyre damage up to 50% of the replacement cost if the vehicle is also damaged in the same accident. Policy terms vary, so check your policy wording.<\/li>\n\n\n\n<li>For partial-loss claims, insurers apply 50% depreciation to tyres, tubes and other rubber, nylon and plastic parts under the applicable motor insurance depreciation schedule.<\/li>\n\n\n\n<li>In claim assessments, insurers may cite poor tyre condition as a <strong>maintenance-related factor<\/strong>, separate from the <strong>standard wear-and-tear exclusion<\/strong> that already limits tyre coverage.<\/li>\n\n\n\n<li><strong>Eurogrip&#8217;s current two-wheeler warranty<\/strong> provides <a href=\"https:\/\/www.eurogriptyres.com\/warranty-policy\"><strong>7 years of coverage against manufacturing defects<\/strong><\/a> from the date of manufacture, or until the remaining tread depth reaches 0.8mm, whichever comes first.<\/li>\n\n\n\n<li>Eurogrip&#8217;s current two-wheeler warranty policy also uses the 0.8 mm threshold as the tread-wear indicator limit.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Tyre insurance usually gets attention only after something goes wrong. A rider has an accident, starts the claim process, and then discovers that tyre damage may not be covered as they expected. Insurance policies have specific conditions around tyres, and the actual coverage can be more complicated than a basic policy summary suggests.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you raise a tyre claim, the insurer may consider several parts of the policy at once. Wear and tear may be excluded, depreciation can affect the amount paid towards a replacement, and the tyre&#8217;s condition and maintenance history can also come into the assessment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Knowing how these rules work together is important, since having insurance does not automatically mean every type of tyre damage will be covered. (Please note this isn&#8217;t legal advice and policy wording varies by insurer, so always check your own document before relying on anything here.)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How Does Tyre Warranty Actually Work in India and What Does It Typically Cover?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Motor insurance and a tyre warranty cover different risks. Motor insurance covers damage from insured events, while a tyre warranty covers defects under the manufacturer&#8217;s stated terms. For a two-wheeler tyre warranty in India, Eurogrip&#8217;s current policy provides separate coverage for manufacturing and non-manufacturing defects.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Across <strong>IRDAI-filed Own Damage policy wordings<\/strong>, tyre and tube damage carries a specific, narrow exclusion. The standard clause reads something close to <em>&#8220;damage to tyres and tubes unless the vehicle insured is damaged at the same time.&#8221; When<\/em> that condition is met, the insurer&#8217;s liability is typically limited to 50% of the replacement cost, not the full amount.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In other words, if a rider&#8217;s bike goes down and only the tyre is damaged, insurance generally doesn&#8217;t step in. If the tyre and the bodywork are both damaged in the same accident, the tyre portion gets partial coverage, but not full replacement value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Normal tyre wear is treated differently from damage caused by an insured event. <strong>IRDAI-approved motor insurance policy wordings<\/strong> exclude wear and tear from regular use, putting it in the same category as items such as battery degradation and worn brake pads, so if a tyre becomes bald and fails simply because it has reached the end of its usable life, that by itself does not amount to an insurable event.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How Depreciation Changes What You Actually Receive<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For a partial-loss claim, depreciation can reduce the amount paid towards replacement parts, including tyres. The <a href=\"https:\/\/irdai.gov.in\/document-detail?documentId=392897\">applicable motor insurance schedule<\/a> places tyres, tubes and other rubber, nylon and plastic parts in the 50% depreciation category.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a partial-loss claim, the standard schedule applies 50% depreciation to tyres, regardless of how recently the tyre was fitted. Total Loss and Constructive Total Loss claims are settled differently, based on the vehicle&#8217;s IDV rather than applying parts depreciation individually.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Riders expecting reimbursement for a near-new tyre at close to its original cost are often surprised by this flat-rate rule.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Does Tyre Condition Affect How a Claim Gets Assessed?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Beyond the written exclusions, tyre condition can also come up when an insurer evaluates a claim, separate from the specific coverage limits described above.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Insurers routinely list poor maintenance, including worn-out brakes, damaged tyres or leaking components, among the factors that can lead to a rejected or reduced claim, particularly when that condition is seen as contributing to the accident itself.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A worn tyre does not automatically mean an accident claim will be rejected. The insurer will look at what happened during the accident and the condition of the vehicle, including whether poor tyre maintenance had any bearing on the incident. How much this affects the claim depends on the policy wording and the circumstances of the accident. Tyre wear may come up during the assessment, but it is not, by itself, grounds for automatic rejection.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The insurer still has to consider what happened, the vehicle&#8217;s condition, and the circumstances surrounding the accident. In other words, tyre wear isn&#8217;t just a maintenance or safety issue. In some claims, it can also factor into the insurer&#8217;s assessment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What Does a Tyre and Rim Protect Add-on Cover?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some insurers offer tyre and rim protection as an optional add-on to Own Damage cover. Coverage varies by insurer and policy, so riders should check whether the add-on is available for their two-wheeler and what tyre damage it covers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tyre and Rim Protect<\/strong>, available as an add-on to a standalone <strong>Own Damage policy,<\/strong> covers tyres and tubes against accidental damage like cuts, bursts, or bulges, and applies specifically to tubeless or run-flat tyres.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A zero-depreciation add-on may reduce the amount deducted for depreciation when a partial-loss claim is settled. Some two-wheeler policies offer this cover, but tyres and other rubber parts may be treated differently from other components. Check the terms of the specific add-on before assuming these parts are covered.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instead of a flat depreciation percentage, this add-on bases its payout on the tyre&#8217;s residual tread depth at the time of loss, measured at the centre of the tread across at least three readings. This add-on still excludes natural wear and tear, and the policy covers accidental damage, not replacing a tyre that&#8217;s simply aged out.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s how the main coverage types compare at a glance.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Coverage Type<\/strong><\/td><td><strong>What It Covers<\/strong><\/td><td><strong>Key Limit<\/strong><\/td><\/tr><tr><td>Standard Own Damage (base policy)<\/td><td>Tyre\/tube damage only if the vehicle is damaged in the same incident<\/td><td>Capped at 50% of replacement cost<\/td><\/tr><tr><td>Total Loss \/ Constructive Total Loss settlement<\/td><td>Vehicle as a whole, including the tyre as part of the insured vehicle&#8217;s value<\/td><td>Settlement is based on the vehicle&#8217;s IDV, not 50% parts depreciation<\/td><\/tr><tr><td>Tyre and Rim Protect add-on<\/td><td>Accidental damage to tubeless or run-flat tyres and rims<\/td><td>Payout based on residual tread depth, not a flat rate<\/td><\/tr><tr><td>Any coverage type<\/td><td>Normal wear and tear<\/td><td>Always excluded<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How Does a Two-Wheeler Tyre Warranty Work in India?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Because insurance treats tyres so narrowly, riders worried about a tyre-related claim often find a more dependable path through the tyre manufacturer, not the insurer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Warranty cover comes from the tyre manufacturer, not the insurer. For example, Eurogrip&#8217;s current two-wheeler warranty policy provides 7 years of coverage against manufacturing defects, or until the remaining tread depth reaches 0.8mm, whichever comes first. The policy applies to motorcycle, scooter and moped tyres.<strong>&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The cover ends when the tread reaches <strong>0.8mm at the wear indicator<\/strong> or after seven years, whichever comes first. The <strong>0.8mm<\/strong> limit also matches the minimum safe tread depth published by the Automotive Tyre Manufacturers&#8217; Association of India for two- and three-wheeler tyres.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike an insurance claim, which depends on policy wording, depreciation schedules, and how an accident is assessed, a manufacturer warranty is a direct commitment between the rider and Eurogrip, with a process that doesn&#8217;t involve the exclusions covered above.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How Eurogrip&#8217;s Warranty Process Actually Works<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For riders worried about what happens if a tyre develops a genuine manufacturing issue, it helps to know this process exists separately from insurance and how to use it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If a <a href=\"https:\/\/www.eurogriptyres.com\/\">Eurogrip tyre<\/a> develops a covered issue, an authorised Eurogrip dealer handles the claim. Keep your purchase documents and tyre details ready when you make a claim. For full warranty terms, the registration process, and the claims procedure, see <a href=\"https:\/\/www.tyremarket.com\/tyremantra\/eurogrip-tyre-warranty-explained-covers-not\/\"><strong>Eurogrip&#8217;s tyre warranty guide<\/strong><\/a><strong>.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A tyre warranty is separate from the rider&#8217;s motor insurance policy. So, even when an insurance claim is ruled out because the issue falls under normal wear and tear, the manufacturer may still consider it under warranty. That depends on the cause of the problem and the conditions set out in the warranty.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Final Thoughts<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">There are a few catches with tyre cover under a standard two-wheeler insurance policy in India. Normal wear and tear is not covered, and damage to a tyre in an accident may only be partly reimbursed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depreciation can cut the amount further. In some policies, an almost new tyre can also face the same depreciation treatment as one that has been on the bike for much longer. So the amount a rider gets back may differ significantly from the cost of replacing the tyre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Checking the tread and choosing a tyre that meets recognised safety standards should happen long before an insurance claim. For damage that falls outside a standard policy, some insurers offer a <strong>Tyre and Rim Protect<\/strong> add-on. It can cover certain types of tyre damage, but the protection depends on the terms of the policy. A worn tyre may not qualify simply because the rider has this extra cover.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>FAQs<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Does two-wheeler insurance cover tyre damage after an accident?<\/strong>&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">If an accident damages the bike as well as its tyres, a standard two-wheeler policy may cover part of the replacement cost. The payout for the tyres is typically capped at <strong>50% of their replacement cost<\/strong>. A tyre damaged on its own generally falls outside this cover.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Why does my insurer apply 50% depreciation to my tyres?<\/strong>&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">This is a standard, fixed depreciation rule applied across Indian motor insurance to rubber, nylon and plastic parts, including tyres, tubes and batteries. It applies regardless of how new the specific tyre actually was at the time of the claim.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Can a worn tyre cause my insurance claim to be rejected?<\/strong>&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The insurer can assess the tyre&#8217;s condition when reviewing a claim. The insurer may consider a badly worn or poorly maintained tyre alongside the circumstances of the accident. Still, the effect on the claim depends on the policy wording and the facts of the incident. This is separate from the standard wear-and-tear exclusion.<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>What does the Tyre and Rim Protect add-on actually cover?<\/strong>&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">It covers accidental damage, such as a cut, burst, or bulge, to tubeless or run-flat tyres and rims, with the payout based on the tyre&#8217;s residual tread depth at the time of loss rather than a flat depreciation rate. It doesn&#8217;t cover natural wear and tear.<\/p>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li><strong>How do I register my Eurogrip tyre&#8217;s warranty?<\/strong>&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Register online at eurogriptyres.com using your name, mobile number, and the tyre&#8217;s Stencil Number on the sidewall. Once registration is complete, you&#8217;ll receive a digital certificate you can keep as proof of your warranty start date.<\/p>\n\n\n\n<ol start=\"6\" class=\"wp-block-list\">\n<li><strong>How do I make a warranty claim on a Eurogrip tyre?<\/strong>&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Claims are handled through an authorised Eurogrip dealer, not directly with the company, as dealers can facilitate the claim process on your behalf. You can also check <a href=\"https:\/\/www.tyremarket.com\/tyremantra\/eurogrip-tyre-warranty-explained-covers-not\/\"><strong>Eurogrip&#8217;s tyre warranty guide<\/strong><\/a> here.<\/p>\n\n\n\n<ol start=\"7\" class=\"wp-block-list\">\n<li><strong>How often should I check my tyre tread to avoid issues with a future claim?<\/strong>&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Check tread depth against the wear indicators at every service rather than waiting for a visible problem. Eurogrip&#8217;s current two-wheeler warranty uses 0.8mm as its tread-depth limit for manufacturing-defect coverage, so riders should also check the specific warranty terms that apply to their tyre.<\/p>\n\n\n\n<ol start=\"8\" class=\"wp-block-list\">\n<li><strong>Can I Claim a Mileage Guarantee if My Tyre Wears Out Before the Promised Kilometres?<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">TVS Eurogrip does not state a blanket kilometre-based mileage guarantee in its current two-wheeler warranty policy. Instead, the warranty is tied to specified warranty periods and tread-depth limits. For manufacturing defects, the current policy provides seven years or until the remaining tread reaches 0.8mm, whichever comes first.<\/p>\n\n\n\n<ol start=\"9\" class=\"wp-block-list\">\n<li><strong>How Can I Tell if My Motorcycle Tyre Is Too Old by Reading the Code on the Sidewall?<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">TVS Eurogrip tyres carry identifying information on the sidewall, but check the tyre&#8217;s warranty and manufacturing details against the manufacturer&#8217;s records when required. For a warranty claim, keep the tyre&#8217;s identifying details and purchase documents available so the dealer can verify the tyre and its eligibility.<\/p>\n\n\n\n<ol start=\"10\" class=\"wp-block-list\">\n<li><strong>Does Zero Depreciation Cover Tyres on a Bike?<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">TVS Eurogrip&#8217;s warranty and a zero-depreciation motor insurance add-on are separate forms of protection. A zero-depreciation add-on may reduce depreciation deductions on eligible parts in a covered partial-loss claim. Still, tyre coverage depends on the insurer&#8217;s specific policy and add-on terms. Check the policy wording before assuming tyre replacement is covered.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key Takeaways Tyre insurance usually gets attention only after something goes wrong. A rider has an accident, starts the claim process, and then discovers that&#8230;<\/p>\n","protected":false},"author":20,"featured_media":17356,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[6067,5763],"tags":[6689,6688,6687,6691],"class_list":["post-17355","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tyre-care","category-tyre-guide","tag-aftermarket-tyres-insurance-coverage","tag-modified-tyres-insurance-claim-rejection","tag-tyre-choice-insurance-claims-india","tag-tyre-cover-add-on-motor-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>How Tyre Choice Affects Insurance Claims After an Accident<\/title>\r\n<meta name=\"description\" content=\"How tyre choice affects insurance claims after an accident: modified vs OEM tyres, claim rejection risks &amp; tyre cover add-ons explained for Indian drivers.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.tyremarket.com\/tyremantra\/how-tyre-choice-affects-insurance-claims-after-an-accident\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"How Tyre Choice Affects Insurance Claims After an Accident\" \/>\r\n<meta property=\"og:description\" content=\"How tyre choice affects insurance claims after an accident: modified vs OEM tyres, claim rejection risks &amp; tyre cover add-ons explained for Indian drivers.\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/www.tyremarket.com\/tyremantra\/how-tyre-choice-affects-insurance-claims-after-an-accident\/\" \/>\r\n<meta property=\"og:site_name\" content=\"Tyremarket : Tyre News, Review &amp; Guide\" \/>\r\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/tyremarketindia\" \/>\r\n<meta property=\"article:published_time\" content=\"2026-11-06T07:52:15+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2026-11-06T07:52:19+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/www.tyremarket.com\/tyremantra\/wp-content\/uploads\/2026\/11\/How-Tyre-Choice-Affects-Insurance-Claims-After-an-Accident-_-Tyre-Warranty-vs-Motor-Insurance_-What-Each-Covers-1.jpg.jpeg\" \/>\r\n\t<meta property=\"og:image:width\" content=\"1500\" \/>\r\n\t<meta property=\"og:image:height\" content=\"820\" \/>\r\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\r\n<meta name=\"author\" content=\"Mridul Goyal\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:creator\" content=\"@tyremarketindia\" \/>\r\n<meta name=\"twitter:site\" content=\"@tyremarketindia\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mridul Goyal\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/how-tyre-choice-affects-insurance-claims-after-an-accident\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/how-tyre-choice-affects-insurance-claims-after-an-accident\\\/\"},\"author\":{\"name\":\"Mridul Goyal\",\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/#\\\/schema\\\/person\\\/25f6a2a67cab346159b32ce95d24b74e\"},\"headline\":\"How Tyre Choice Affects Insurance Claims After an Accident\",\"datePublished\":\"2026-11-06T07:52:15+00:00\",\"dateModified\":\"2026-11-06T07:52:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/how-tyre-choice-affects-insurance-claims-after-an-accident\\\/\"},\"wordCount\":2154,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/how-tyre-choice-affects-insurance-claims-after-an-accident\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/How-Tyre-Choice-Affects-Insurance-Claims-After-an-Accident-_-Tyre-Warranty-vs-Motor-Insurance_-What-Each-Covers-1.jpg.jpeg\",\"keywords\":[\"Aftermarket tyres insurance coverage\",\"Modified tyres insurance claim rejection\",\"Tyre choice insurance claims India\",\"Tyre cover add-on motor insurance\"],\"articleSection\":[\"Tyre Care\",\"Tyre Guide\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/how-tyre-choice-affects-insurance-claims-after-an-accident\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/how-tyre-choice-affects-insurance-claims-after-an-accident\\\/\",\"url\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/how-tyre-choice-affects-insurance-claims-after-an-accident\\\/\",\"name\":\"How Tyre Choice Affects Insurance Claims After an Accident\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/how-tyre-choice-affects-insurance-claims-after-an-accident\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/how-tyre-choice-affects-insurance-claims-after-an-accident\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/How-Tyre-Choice-Affects-Insurance-Claims-After-an-Accident-_-Tyre-Warranty-vs-Motor-Insurance_-What-Each-Covers-1.jpg.jpeg\",\"datePublished\":\"2026-11-06T07:52:15+00:00\",\"dateModified\":\"2026-11-06T07:52:19+00:00\",\"description\":\"How tyre choice affects insurance claims after an accident: modified vs OEM tyres, claim rejection risks & tyre cover add-ons explained for Indian drivers.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/how-tyre-choice-affects-insurance-claims-after-an-accident\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/how-tyre-choice-affects-insurance-claims-after-an-accident\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/how-tyre-choice-affects-insurance-claims-after-an-accident\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/How-Tyre-Choice-Affects-Insurance-Claims-After-an-Accident-_-Tyre-Warranty-vs-Motor-Insurance_-What-Each-Covers-1.jpg.jpeg\",\"contentUrl\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/How-Tyre-Choice-Affects-Insurance-Claims-After-an-Accident-_-Tyre-Warranty-vs-Motor-Insurance_-What-Each-Covers-1.jpg.jpeg\",\"width\":1500,\"height\":820,\"caption\":\"Tyre Choice & Insurance Claims: Will Modified Tyres Void Your Coverage?\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/how-tyre-choice-affects-insurance-claims-after-an-accident\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Tyremarket\",\"item\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How Tyre Choice Affects Insurance Claims After an Accident\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/#website\",\"url\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/\",\"name\":\"Tyremarket : Tyre News, Review & Guide\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/#organization\",\"name\":\"Tyremarket : Tyre News, Review & Guide\",\"url\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/tyremarket-1.png\",\"contentUrl\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/tyremarket-1.png\",\"width\":230,\"height\":70,\"caption\":\"Tyremarket : Tyre News, Review & Guide\"},\"image\":{\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/tyremarketindia\",\"https:\\\/\\\/x.com\\\/tyremarketindia\",\"https:\\\/\\\/www.instagram.com\\\/tyremarketindia\\\/?hl=en\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UCparZJneEFRmHJFrERZDioA\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/#\\\/schema\\\/person\\\/25f6a2a67cab346159b32ce95d24b74e\",\"name\":\"Mridul Goyal\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/2B39809C-A37C-4A87-BDEA-8EF5D88FBDD7.png\",\"url\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/2B39809C-A37C-4A87-BDEA-8EF5D88FBDD7.png\",\"contentUrl\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/2B39809C-A37C-4A87-BDEA-8EF5D88FBDD7.png\",\"caption\":\"Mridul Goyal\"},\"description\":\"I spent my early career as a photographer and cinematographer, including work on Bollywood film sets, before moving to writing in 2020. Along the way, I spent over two years writing tyre buying guides for a US tyre retailer. Now I write about car and bike tyres for Indian roads at TyreMarket. When I\u2019m not writing, I usually play chess, binge-watch movies, or go for a walk.\",\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/mridul-goyal-693665102\\\/\"],\"url\":\"https:\\\/\\\/www.tyremarket.com\\\/tyremantra\\\/author\\\/mridul-goyal\\\/\"}]}<\/script>\r\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How Tyre Choice Affects Insurance Claims After an Accident","description":"How tyre choice affects insurance claims after an accident: modified vs OEM tyres, claim rejection risks & tyre cover add-ons explained for Indian drivers.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.tyremarket.com\/tyremantra\/how-tyre-choice-affects-insurance-claims-after-an-accident\/","og_locale":"en_US","og_type":"article","og_title":"How Tyre Choice Affects Insurance Claims After an Accident","og_description":"How tyre choice affects insurance claims after an accident: modified vs OEM tyres, claim rejection risks & tyre cover add-ons explained for Indian drivers.","og_url":"https:\/\/www.tyremarket.com\/tyremantra\/how-tyre-choice-affects-insurance-claims-after-an-accident\/","og_site_name":"Tyremarket : Tyre News, Review &amp; Guide","article_publisher":"https:\/\/www.facebook.com\/tyremarketindia","article_published_time":"2026-11-06T07:52:15+00:00","article_modified_time":"2026-11-06T07:52:19+00:00","og_image":[{"width":1500,"height":820,"url":"https:\/\/www.tyremarket.com\/tyremantra\/wp-content\/uploads\/2026\/11\/How-Tyre-Choice-Affects-Insurance-Claims-After-an-Accident-_-Tyre-Warranty-vs-Motor-Insurance_-What-Each-Covers-1.jpg.jpeg","type":"image\/jpeg"}],"author":"Mridul Goyal","twitter_card":"summary_large_image","twitter_creator":"@tyremarketindia","twitter_site":"@tyremarketindia","twitter_misc":{"Written by":"Mridul Goyal","Est. reading time":"10 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.tyremarket.com\/tyremantra\/how-tyre-choice-affects-insurance-claims-after-an-accident\/#article","isPartOf":{"@id":"https:\/\/www.tyremarket.com\/tyremantra\/how-tyre-choice-affects-insurance-claims-after-an-accident\/"},"author":{"name":"Mridul Goyal","@id":"https:\/\/www.tyremarket.com\/tyremantra\/#\/schema\/person\/25f6a2a67cab346159b32ce95d24b74e"},"headline":"How Tyre Choice Affects Insurance Claims After an Accident","datePublished":"2026-11-06T07:52:15+00:00","dateModified":"2026-11-06T07:52:19+00:00","mainEntityOfPage":{"@id":"https:\/\/www.tyremarket.com\/tyremantra\/how-tyre-choice-affects-insurance-claims-after-an-accident\/"},"wordCount":2154,"commentCount":0,"publisher":{"@id":"https:\/\/www.tyremarket.com\/tyremantra\/#organization"},"image":{"@id":"https:\/\/www.tyremarket.com\/tyremantra\/how-tyre-choice-affects-insurance-claims-after-an-accident\/#primaryimage"},"thumbnailUrl":"https:\/\/www.tyremarket.com\/tyremantra\/wp-content\/uploads\/2026\/11\/How-Tyre-Choice-Affects-Insurance-Claims-After-an-Accident-_-Tyre-Warranty-vs-Motor-Insurance_-What-Each-Covers-1.jpg.jpeg","keywords":["Aftermarket tyres insurance coverage","Modified tyres insurance claim rejection","Tyre choice insurance claims India","Tyre cover add-on motor insurance"],"articleSection":["Tyre Care","Tyre Guide"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.tyremarket.com\/tyremantra\/how-tyre-choice-affects-insurance-claims-after-an-accident\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.tyremarket.com\/tyremantra\/how-tyre-choice-affects-insurance-claims-after-an-accident\/","url":"https:\/\/www.tyremarket.com\/tyremantra\/how-tyre-choice-affects-insurance-claims-after-an-accident\/","name":"How Tyre Choice Affects Insurance Claims After an Accident","isPartOf":{"@id":"https:\/\/www.tyremarket.com\/tyremantra\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.tyremarket.com\/tyremantra\/how-tyre-choice-affects-insurance-claims-after-an-accident\/#primaryimage"},"image":{"@id":"https:\/\/www.tyremarket.com\/tyremantra\/how-tyre-choice-affects-insurance-claims-after-an-accident\/#primaryimage"},"thumbnailUrl":"https:\/\/www.tyremarket.com\/tyremantra\/wp-content\/uploads\/2026\/11\/How-Tyre-Choice-Affects-Insurance-Claims-After-an-Accident-_-Tyre-Warranty-vs-Motor-Insurance_-What-Each-Covers-1.jpg.jpeg","datePublished":"2026-11-06T07:52:15+00:00","dateModified":"2026-11-06T07:52:19+00:00","description":"How tyre choice affects insurance claims after an accident: modified vs OEM tyres, claim rejection risks & tyre cover add-ons explained for Indian drivers.","breadcrumb":{"@id":"https:\/\/www.tyremarket.com\/tyremantra\/how-tyre-choice-affects-insurance-claims-after-an-accident\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.tyremarket.com\/tyremantra\/how-tyre-choice-affects-insurance-claims-after-an-accident\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.tyremarket.com\/tyremantra\/how-tyre-choice-affects-insurance-claims-after-an-accident\/#primaryimage","url":"https:\/\/www.tyremarket.com\/tyremantra\/wp-content\/uploads\/2026\/11\/How-Tyre-Choice-Affects-Insurance-Claims-After-an-Accident-_-Tyre-Warranty-vs-Motor-Insurance_-What-Each-Covers-1.jpg.jpeg","contentUrl":"https:\/\/www.tyremarket.com\/tyremantra\/wp-content\/uploads\/2026\/11\/How-Tyre-Choice-Affects-Insurance-Claims-After-an-Accident-_-Tyre-Warranty-vs-Motor-Insurance_-What-Each-Covers-1.jpg.jpeg","width":1500,"height":820,"caption":"Tyre Choice & Insurance Claims: Will Modified Tyres Void Your Coverage?"},{"@type":"BreadcrumbList","@id":"https:\/\/www.tyremarket.com\/tyremantra\/how-tyre-choice-affects-insurance-claims-after-an-accident\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Tyremarket","item":"https:\/\/www.tyremarket.com\/tyremantra\/"},{"@type":"ListItem","position":2,"name":"How Tyre Choice Affects Insurance Claims After an Accident"}]},{"@type":"WebSite","@id":"https:\/\/www.tyremarket.com\/tyremantra\/#website","url":"https:\/\/www.tyremarket.com\/tyremantra\/","name":"Tyremarket : Tyre News, Review & Guide","description":"","publisher":{"@id":"https:\/\/www.tyremarket.com\/tyremantra\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.tyremarket.com\/tyremantra\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.tyremarket.com\/tyremantra\/#organization","name":"Tyremarket : Tyre News, Review & Guide","url":"https:\/\/www.tyremarket.com\/tyremantra\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.tyremarket.com\/tyremantra\/#\/schema\/logo\/image\/","url":"https:\/\/www.tyremarket.com\/tyremantra\/wp-content\/uploads\/2026\/09\/tyremarket-1.png","contentUrl":"https:\/\/www.tyremarket.com\/tyremantra\/wp-content\/uploads\/2026\/09\/tyremarket-1.png","width":230,"height":70,"caption":"Tyremarket : Tyre News, Review & Guide"},"image":{"@id":"https:\/\/www.tyremarket.com\/tyremantra\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/tyremarketindia","https:\/\/x.com\/tyremarketindia","https:\/\/www.instagram.com\/tyremarketindia\/?hl=en","https:\/\/www.youtube.com\/channel\/UCparZJneEFRmHJFrERZDioA"]},{"@type":"Person","@id":"https:\/\/www.tyremarket.com\/tyremantra\/#\/schema\/person\/25f6a2a67cab346159b32ce95d24b74e","name":"Mridul Goyal","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.tyremarket.com\/tyremantra\/wp-content\/uploads\/2026\/11\/2B39809C-A37C-4A87-BDEA-8EF5D88FBDD7.png","url":"https:\/\/www.tyremarket.com\/tyremantra\/wp-content\/uploads\/2026\/11\/2B39809C-A37C-4A87-BDEA-8EF5D88FBDD7.png","contentUrl":"https:\/\/www.tyremarket.com\/tyremantra\/wp-content\/uploads\/2026\/11\/2B39809C-A37C-4A87-BDEA-8EF5D88FBDD7.png","caption":"Mridul Goyal"},"description":"I spent my early career as a photographer and cinematographer, including work on Bollywood film sets, before moving to writing in 2020. Along the way, I spent over two years writing tyre buying guides for a US tyre retailer. Now I write about car and bike tyres for Indian roads at TyreMarket. When I\u2019m not writing, I usually play chess, binge-watch movies, or go for a walk.","sameAs":["https:\/\/www.linkedin.com\/in\/mridul-goyal-693665102\/"],"url":"https:\/\/www.tyremarket.com\/tyremantra\/author\/mridul-goyal\/"}]}},"_links":{"self":[{"href":"https:\/\/www.tyremarket.com\/tyremantra\/wp-json\/wp\/v2\/posts\/17355","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tyremarket.com\/tyremantra\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tyremarket.com\/tyremantra\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tyremarket.com\/tyremantra\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tyremarket.com\/tyremantra\/wp-json\/wp\/v2\/comments?post=17355"}],"version-history":[{"count":3,"href":"https:\/\/www.tyremarket.com\/tyremantra\/wp-json\/wp\/v2\/posts\/17355\/revisions"}],"predecessor-version":[{"id":17372,"href":"https:\/\/www.tyremarket.com\/tyremantra\/wp-json\/wp\/v2\/posts\/17355\/revisions\/17372"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tyremarket.com\/tyremantra\/wp-json\/wp\/v2\/media\/17356"}],"wp:attachment":[{"href":"https:\/\/www.tyremarket.com\/tyremantra\/wp-json\/wp\/v2\/media?parent=17355"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tyremarket.com\/tyremantra\/wp-json\/wp\/v2\/categories?post=17355"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tyremarket.com\/tyremantra\/wp-json\/wp\/v2\/tags?post=17355"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}