Tyre & Rims Cover
Tyre & Rims cover may pay for eligible tyre or rim repairs and replacements caused by certain road hazards, depending on your policy. This optional benefit is not included in every comprehensive car insurance plan, so check the coverage, claim limits and exclusions before buying.
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What does Tyre & Rims cover?
Coverage depends on the insurer and policy. Some plans may cover accidental tyre or rim damage caused by potholes, road debris or kerbs. Certain policies may also cover tyre blowouts under specific conditions.
| Situation | May be covered? |
|---|---|
| Tyre damaged by a pothole | Yes, if the incident meets the policy conditions |
| Tyre punctured by road debris | Depends on the policy |
| Tyre blowout | May be covered under specific conditions |
| Rim cracked or bent after hitting a pothole or kerb | May be covered |
| Tyre worn out through regular use | Generally not covered |
| Damage caused by a manufacturing defect | May be excluded |
| Damage caused by incorrect tyre pressure or wheel alignment | May be excluded |
| Tyre or rim damaged in a car collision | Depends on the main policy and add-on terms |
Check your policy wording for the exact definition of covered damage. Insurers may apply different conditions and exclusions.
Does comprehensive car insurance cover tyres and rims?
Not always. Comprehensive car insurance generally covers eligible accidental damage to your vehicle, subject to the policy terms. However, tyre damage on its own may be excluded unless you have a specific benefit for it.
| Type of protection | What it may cover |
|---|---|
| Comprehensive car insurance | Eligible accidental damage to your vehicle, subject to policy terms |
| Tyre & Rims cover | Specific accidental tyre and rim damage listed in the add-on |
| Accessories or modifications cover | Eligible declared or accepted aftermarket parts, subject to the policy |
If you use sport rims or non-standard tyres, check whether they qualify for cover and whether you need to declare them. Read our guide to car accessories and modifications for more information.
How much can you claim?
Your payout depends on the benefit limit, damage assessment and policy terms. Some plans have per-claim or overall limits that may decrease after a claim.
For example, if your RM1,000 limit is reduced by an approved RM300 claim, you would have RM700 remaining, assuming no other deductions.
- Benefit limit
- RM1,000
- Approved claim
- −RM300
Remaining limit
RM700
Before buying the add-on, check these details:
| What to check | Why it matters |
|---|---|
| Maximum benefit limit | Sets the maximum amount payable under the benefit |
| Limit per claim and annual limit | Shows how much you can claim for each incident and throughout the policy period |
| Remaining claim balance | Previous claims may reduce the amount available for future claims |
| Tyre age and condition | Older tyres may be excluded or subject to depreciation |
| Depreciation | The payout for replacement tyres or rims may be reduced based on age or condition |
| Replacement costs | Mounting, wheel alignment and balancing may not be covered |
| Eligible parts | Confirms whether your existing or upgraded tyres and rims qualify |
For example, AIG's policy wording has specified depreciation for replacement tyres, an age restriction for tyres and exclusions for mounting, alignment and balancing costs. These are policy-specific conditions, so check the latest wording before relying on them.
What is not covered by Tyre & Rims cover?
Exclusions vary by insurer, but may include:
- Normal wear and tear or deterioration.
- Manufacturing defects or damage unrelated to a covered incident.
- Slow punctures that do not result from a covered event.
- Damage caused by incorrect tyre pressure, faulty suspension or poor wheel alignment.
- Replacement of tyres or rims that were not damaged.
- Mounting, wheel alignment and balancing costs, where excluded.
- Certain collision-related damage or tyres that exceed the policy's permitted age.
Some expenses may also be subject to depreciation, an excess or the benefit limit. Always check the policy wording to understand when a claim may be reduced or declined.
How to claim for tyre or rim damage
If your tyre or rim is damaged, follow these steps:
Document the damage
Take clear photos of the damaged tyre or rim and the incident location, if safe.
Contact your insurer
Ask whether the incident qualifies under your Tyre & Rims benefit.
Check the requirements
Confirm whether an inspection, approved repairer or prior approval is needed.
Keep supporting documents
Save repair estimates, receipts and proof of purchase, if available.
Submit your claim
Provide the required documents and wait for the insurer's assessment.
Where possible, check with your insurer before replacing the damaged parts. The insurer may require an inspection or ask you to use an approved repairer. If the damage makes your car unsafe to drive, prioritise safety and contact your insurer or roadside assistance for guidance.
Frequently asked questions
Not necessarily. It is an optional benefit offered by selected insurers. Check the available add-ons and your policy schedule before purchasing.
You may be able to claim if the damage and circumstances meet your policy's conditions. The insurer will assess whether the incident qualifies and whether any exclusions apply.
Generally, no. Normal wear and tear is usually excluded. The benefit is intended for eligible accidental damage, not routine tyre replacement.
Not always. The payout may be affected by depreciation, the benefit limit, an excess, replacement-part requirements and other policy conditions.
Not necessarily. Some policies exclude mounting, alignment and balancing costs. Check the benefit wording before making a claim.
Do not assume every add-on claim is treated the same way. Ask your insurer whether a claim under this specific benefit affects your NCD and confirm the applicable policy terms.
Compare car insurance with BJAK
Tyre and rim damage can lead to unexpected repair costs, especially if your car uses expensive or upgraded wheels. Tyre & Rims cover may help with eligible damage, but claim limits, depreciation and exclusions can affect your payout. Compare car insurance on BJAK to explore available plans and add-ons. Before choosing, compare the covered events, benefit limits and exclusions to understand what protection is available for your vehicle.