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Tyre Protection in Car Insurance

Tyres endure the most wear and tear due to rough road conditions, potholes, long-distance travel, rain, etc. Replacing or repairing them after damage can be a significant expense. This is where a tyre protection cover is essential because standard car insurance usually does not cover tyre damage separately. Punctures, bursts, sidewall bulges or damage from potholes and uneven roads are common issues car owners face. Without this cover, every time such damage occurs, you’ll have to spend thousands of rupees on new tyres or repairs.

Imagine you are driving back home at night and suddenly hit a deep pothole, damaging your tyres. Replacing the tyre will cost you a significant amount, and if more than one tyre is damaged, the cost multiplies. Without a Tyre Protection Cover, you bear this entire expense yourself.

This is where IndusInd General Insurance (formerly Reliance General Insurance) supports you. Our Tyre Protection Cover takes care of unexpected tyre damage, so you don’t have to worry about sudden repair bills. With benefits like quick claim settlement, cashless service at authorised garages, and 24/7 customer assistance*, you get reliable service every time you drive.

Benefits of Tyre Protection Cover

Protection from Pothole Damage

Most city roads are full of potholes. Tyres often burst or get sidewall damage when hitting a deep pothole. Tyre Protection Cover pays for repairs or replacement, saving you from paying thousands suddenly.

Coverage for Sharp Object Damages

Nails, glass pieces and debris on roads frequently cause punctures and cuts. This cover ensures that if your tyre is beyond repair, you don’t bear the full cost of replacement and reduce your out-of-pocket expenses.

Multiple Replacement Claims

With rising tyre costs for SUVs and EVs, a single damaged tyre can cost ₹8,000–₹25,000. Tyre Protection Cover allows multiple claims during the policy period, easing financial stress for car owners.

Ideal for Highways and Long Trips

Tyre blowouts at high speeds can be dangerous and expensive. The cover ensures that long-distance travellers and highway commuters get financial support for sudden tyre failures.

Covers Labour & Fitting Charges

Not just the tyre cost, but our add-on cover also includes charges for wheel balancing, alignment and fitting. These charges are usually not covered in the base policy, but they add up quickly and increase the overall repair cost.

Useful for Premium & EV Cars

Premium car tyres and EV tyres have higher costs and different designs (low profile, special grip), making them challenging to repair or replace. Protection against unexpected replacement costs makes this add-on a smart choice.

Who Should Buy a Tyre Protect Add-On Cover?

If you cover long distances regularly, especially on highways, tyre protection is crucial to safeguard against wear and tear.

Our tyre protection cover in car insurance is ideal for those regularly driving on rough terrains, uneven roads or off-road conditions where the risk of tyre damage is high.

It is also ideal for those who travel to cities for work or other daily activities. These roads often expose the tyres to potholes and poor road conditions, resulting in damage.

Our car tyre insurance cover is especially for new car owners to keep tyres in optimal condition during the initial years.

Premium car owners must have this add-on cover to protect their premium tyres from costly repairs and replacements.

For those who plan to keep their vehicle for a long time, this cover reduces the costs of damage to tyres from wear and tear.

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Tyre Protection Add-On: Inclusions and Exclusions

What is Covered?

Tyre Damage – Covers the repair or replacement of tyres damaged due to accidents or road-related wear and tear.

Labour Charges – Pays for labour costs involved in repairing or replacing damaged tyres during the policy period.

Replacement Limit – Allows up to four tyre replacements within a single policy year as part of the coverage.

Tyre Match – Ensures replacement tyres are of the same or similar make, model, and specification as the original ones.

What is not Covered?

Wear & Tear and Maintenance – Doesn’t cover damage from normal wear, poor wheel alignment, or suspension-related issues, regular tyre care or manufacturer-recommended checks.

Unauthorised Modifications – Excludes tyre damage resulting from changes not approved by the tyre manufacturer.

Unauthorised Repairs – Claims won’t be accepted if the tyre repairs are not carried out at authorised garages.

Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording here

How to Buy/Renew Tyre Protection Cover Online?

Buying Process

Enter your car’s registration number and your mobile number on the form at the top.

You can also enter these details below on the calculator to get a quick quote.

Next, enter your car details, select your policy and add the Tyre Protect cover.

Pay securely online and finish the CKYC with your PAN details to get your policy.

Renewal Process

Go to the form on top and enter your mobile or existing policy number and click Submit.

You can also log in to your Self-i app and tap "InstaRenew".

Update your policy as required. This is also when you can add the Tyre Protect add-on.

Confirm the final premium amount and make the online renewal payment.

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How to Claim Under Tyre Protection?

Cashless Claims

Step 1

Inform us within 24 hours by calling +91-22-48903009, using the Self-i app, or through our claim portal.

Step 2

Tow your car or drive it to one of our authorised network garages for inspection. You can do this by using our garage locator tool below.

Step 3

Our surveyor will visit the garage to inspect the tyre damage and approve the repair or replacement. Ensure you cooperate with them and answer all questions truthfully for a smooth claims process.

Step 4

Get your tyres repaired or replaced at the garage. We will directly settle the approved claim amount with the garage. You only need to pay for uninsured parts, deductibles, or depreciation (if applicable).

Reimbursement Claims

Step 1

Notify us within 24 hours through our helpline, Self-i app or claim portal, and take your car to any garage of your choice for tyre repair or replacement. Pay the bill upfront.

Step 2

Fill out the claim form, attach invoices, receipts, and other required documents, and submit them online or offline.

Step 3

Our motor claims team will verify your documents and assess the claim as per policy terms.

Step 4

Once approved, we will reimburse the claim amount directly to your registered bank account.

Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.

How is Tyre Protection Cover Claim Calculated?

The Insurance Regulatory and Development Authority of India (IRDAI) has set specific guidelines for calculating the tyre protection claim limits. Based on that, we calculate the claim by evaluating the Mean Residual Tread Depth of the damaged tyre(s) at the time of loss, which is measured from the centre of the tread. Here are the applicable criteria:

Mean Tread Depth (mm)	Admissible Claim Amount
Unused tread depth of <3 mm	Nil
Unused tread depth of >=3 to <5 mm	50% of the cost of new tyre(s)
Unused tread depth of >=5 to <7 mm	75% of the cost of new tyre(s)
Unused tread depth of >=7 mm	100% of the cost of new tyre(s)

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Key Takeaways

Repairing tyre damage and replacing them due to irreparable damage is expensive. And it isn’t even a rare event. It’s one of the major contributors to the growth of India’s tyre industry. In 2025, about 50% of tyre sales in India came from replacement demand, not new vehicles, highlighting how frequently tyres need repair or replacement.

A Tyre Protection Cover from IndusInd General Insurance (formerly Reliance General Insurance) guards you against the very real cost of tyre damage, whether it's from a pothole or sharp debris. With this add-on, you don’t bear the full cost out of pocket when a tyre bursts or the sidewalls get cut.

Beyond tyre replacement, the cover includes labour and fitting charges, making claims more practical and less painful financially. Combined with cashless repair at authorised garages, fast online claims via the Self-i app, and a wide 11,000+ garage network*, Tyre Protection Cover lets you hit the road again with confidence without worrying about sudden tyre repair bills.

Car insurance starting at just ₹238/month*

Turn Tyre Trouble Into Zero-Cost Fixes

Keep every drive smooth with our Tyre Protection cover. Add it now and avoid the shock of unexpected tyre punctures or replacement costs.

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Frequently Asked Questions (FAQs)

Can I upgrade my damaged tyre while it is being replaced?

No. Our policy covers the cost of repairs or replacement of tyres of the same or similar make and specifications. In such a case, you must bear the cost of tyre replacement.

Does this add-on also offer coverage for rim damage?

No, this add-on is specifically designed to provide financial protection for tyre damage. To get coverage for replacing or repairing your wheel rims, you can opt for our RIM Protection Cover.

Can I get the tyres repaired or replaced at any garage near me?

To successfully claim our tyre protection add-on cover, you must get the repair work done from an authorised garage. Failure to do so can result in the denial of your claim.

What is the cost of tyre protection cover in car insurance?

This cover is an optional add-on available to our own-damage and comprehensive car insurance owners. Thus, the cost of your insurance will depend on several factors:

Age of the car
Add-ons selected
Choice of insurance plan
Make and model of your car
Location
Driving record
IDV

Does Nil Depreciation cover the damages to tyres?

The nil depreciation add-on is designed to give you the full cost of repairs or replacement without depreciation deductions. Thus, this add-on does not cover your base policy's exclusions, including tyre repairs and replacement.

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