What is Tyre Protection Cover?

Tyre protection cover is a valuable add-on cover in car insurance that protects your car’s tyres from damage. Tyres endure the most wear and tear due to rough road conditions, potholes, long-distance travel, rain, etc,. This tyre insurance cover ensures that you are financially protected if they need repair or replacement.

Drive on highways or through adverse weather conditions with IndusInd General Insurance’s Tyre Protection Cover in car insurance, without worrying about out-of-pocket expenses related to tyre maintenance. We ensure your peace of mind and protect the most valuable part of your car, giving you the best driving experience every time.

Since tyre wear and tear are unavoidable, the expenses required for their repair and replacement are also unavoidable. Damage to your car's tyres can be caused by various reasons. Since they carry the entire weight of your trip quite literally, they require adequate protection.

Regular car Insurance does not cover damages to your car’s tyres. Thus, we offer car tyre insurance add-on that give financial protection for repairing or replacing damaged tyres and tubes. We also cover the cost of consumables while repairing your tyres' accidental damages.

We offer this optional add-on with our standalone own-damage car insurance and comprehensive car insurance plans. This ensures that you secure overall protection for your car and car parts

Why 8 Crore+ Policyholders Choose Us?

IndusInd Motor Insurance (formerly Reliance Motor Insurance) offers tailored motor insurance plans to minimise your out-of-pocket expenses during unexpected emergencies. To provide maximum protection, our plans are bundled with:

Up to 5 years Coverage

Long and short term plans

Up to 90% Discount*

Save more with our online plans

15+ Add-On Covers*

Customise and enhance coverage

AI-Assisted Claims

Quick claims via our app

Features of Tyre Protection Cover

Features	Benefits
Online Processes	Enjoy a seamless and quick experience with online buying, claims and renewal processes.
Minimal Paperwork	We require little to no paperwork while buying or claiming our tyre protection cover.
Network Garages	You get access to over 11,000+ cashless garages nationwide for quick and convenient repairs.
Cost of Tyre Repairs and Replacements	Specifically covers the cost of repairing or replacing damaged tyres due to road hazards like punctures, cuts and impacts.
Quick Claim Survey	You can expect a quick response to your claim request for damaged tyres within 48 hours.
24x7 Expert Assistance	We offer dedicated customer service available round-the-clock to assist with all your insurance needs, including tyre protector insurance claims.
No-Claim Bonus Retention	If you claim your insurance only for tyre damages or replacement, it will not affect your no-claim bonus eligibility at the time of policy renewal.
Higher Claim Frequency	You can claim your tyre protection add-on cover for a maximum of four replacements in a policy year.
Cover for Labour Charges	We also cover the labour charges associated with repairing or replacing the damaged tyres.
Cover for Consumables	Our add-on covers the cost of consumables incurred while repairing or replacing the damaged tyres.

What Does Tyre Insurance Cover: Inclusions and Exclusions

What's Covered?

Damages to tyres due to wear and tear, accidents.

Labour charges incurred during the repairing and replacement of tyres.

Up to four replacements will be covered in a policy year.

Replacement of tyres of the same or similar make and specification.

What's Not Covered?

Loss or damage from normal wear and tear, such as unevenly worn tires from steering geometry problems that go beyond the manufacturer's specified bounds or wheel balancing issues, suspension component etc.

Loss or damage caused by modifications not approved by the tyre manufacturer.

Loss or damage caused by failing to perform routine maintenance as advised by the manufacturer.

Repairs not done at an authorised garage.

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

When is a Car Tyre Insurance Cover Not Applicable?

When the driver is found to be driving without a valid driving licence, vehicle registration certificate and PUC.

When the driver is found to be driving under the influence of alcohol or other drugs.

When the damages are incurred due to hard driving, such as in a race or other illegal activities.

Where the unused tread depth is less than 3 mm.

When a fraudulent claim is made.

When the tyre replacement is completed without informing us about the details of the new tyre.

When damages are done due to poor workmanship during repair work.

When the loss or damage has resulted from a manufacturing defect or design.

Who Should Buy IndusInd Tyre Protector Insurance Add-on Cover?

Frequent Drivers

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

Rough Terrain Drivers

It is ideal for those regularly driving on rough terrains, uneven roads or off-road conditions where the risk of tyre damage is high.

City Travellers

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

Expensive Car Owners

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

Long-Term Car Owners

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.

New Car Owners

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

How to Buy/Renew Car Tyre Insurance Online

Steps to Buy Tyre Insurance

Go to the top of page

Input your contact details, such as mobile number and email ID. Enter your car’s registration number.

Get an instant quote based on your selections and car’s model.

Choose a plan and Select the tyre protection add-ons and add more if needed.

You will be displayed a price based on the add-ons and plan selected. Confirm and complete the payment.

Steps to Renew Tyre Insurance

Visit our official Renew Car Insurance page

Enter the information asked, such as policy number, contact details, etc.

Add the tyre protection add-on cover along with any other add-on that you may need.

Claim your no-claim bonus, depending on the eligibility.

Verify your selections and complete the payment to renew your alloy wheel & tyre insurance.

How to Claim IndusInd Tyre Insurance Cover?

You can benefit from our tyre protection add-on cover by claiming your insurance in the following two ways:

Cashless Claims

Step 1

Initiate your cashless car insurance claim for damaged tyres within 24 hours.

Step 2

Tow your car to one of our authorised network garages near you.

Step 3

We will send one of our surveyors to inspect your claim and the damages to your car and tyres.

Step 4

Get your repair work done from the network garage once we approve the claims.

Step 5

After the repairs have been completed, we will settle the bill directly with the garage.

Reimbursement Claims

Step 1

Register your claim for repair tyre damages with us using any of the methods mentioned above.

Step 2

Take/tow your car to any of the authorised garage of your choice.

Step 3

Complete the repair or replacement of damaged tyres at the garage and collect the repair estimates, bills or invoices.

Step 4

Fill out the claim form and attach all the necessary documents and bills with the form.

Step 5

Submit the complete paperwork to get the cost of damages reimbursed by us.

Documents Required for Claim

FIR (in case of a claim for theft)

Policy document

NOC of the financer

Copy of registration certificate

Copy of driving licence

Garage name (with contact details)

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 thread.

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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Total Average Rating

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4.8 ★ ★ ★ ★ ★ (2105)

Roshan Jha

Meerut

Seamless digital experience

Quick and easy! The policy details were clearly mentioned, making it simple to choose the right one.

Suman

Noida

Limited policy options

A fair and simple process. The Car insurance covers the basics well.

Aniket

Chirawa

Value for money

The best insurance experience I've had! Simple, affordable, and reliable. Highly satisfied with my Car policy.

Balasaheb Babu Rao Deosarkar

Yavatmal

4.5

Seamless digital experience

My experience of getting my car insurance was easy and straightforward. I am satisfied with the policy and don't see a need for extras.

Abdul Bawani

Yavatmal

Quick policy issuance

Purchcasing my Car felt effortless and user-friendly. I am satisfied with the main policy and don't see a need for extras.

Debashish Sen

West Tripura

Quick policy issuance

The journey of purchasing Car insurance felt effortless and user-friendly. I am satisfied with the main policy and don't see a need for extras.

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West Tripura

Quick policy issuance

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West Midnapore

Quick policy issuance

I recently purchased my Car insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

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West Godavari

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West Godavari

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West Godavari

Quick policy issuance

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West Godavari

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West Godavari

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West Godavari

Quick policy issuance

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West Godavari

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From start to finish, the process of getting my Car insurance from Reliance General Insurance (now IndusInd General Insurance) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

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West Godavari

Quick policy issuance

I was impressed by the overall Reliance Insurance (now IndusInd Insurance) experience. The platform was intuitive, and the coverage felt like a perfect fit. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

Sobhit Gupta

New Delhi

Quick policy issuance

I recently purchased my Car insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Ritesh Gupta

New Delhi

Quick policy issuance

I had a positive overall experience while applying for Car insurance with Reliance General Insurance (now IndusInd General Insurance) . I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good experience.

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Wayanad

Quick policy issuance

The journey of purchasing car insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

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Washim

Quick policy issuance

Buying a Car policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs. I'm happy with how everything went and feel secure with my policy.

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Warangal

Quick policy issuance

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Warangal

Quick policy issuance

Buying a car policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.

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Warangal

Quick policy issuance

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Warangal

Quick policy issuance

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Warangal

Seamless digital experience

The journey of purchasing Car insurance felt effortless and user-friendly. The product details, coverage and offerings do not match my needs currently.

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Warangal

Quick policy issuance

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Harikrishna Kavati

Warangal

Quick policy issuance

Buying a Car policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.

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Warangal

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance (now IndusInd) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.

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Warangal

Quick policy issuance

The journey of purchasing Car insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. The process felt reliable and I would recommend it to others.

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Warangal

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Warangal

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Warangal

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Value for money

I recently purchased my Car insurance and found the experience to be fine.

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Wanaparthy

Quick policy issuance

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Vizianagaram

Quick policy issuance

I had a positive overall Reliance (now IndusInd) experience while applying for Car insurance. The plan offered exactly the type of coverage I was expecting. I did not feel the need for any other products at this time. Overall, it was a seamless experience and I am satisfied.

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I had a positive overall Reliance Insurance (now IndusInd Insurance) experience while applying for Car insurance. I felt that my protection needs were well addressed with this policy. I am satisfied with the main policy and don't see a need for extras.

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4.5

Seamless digital experience

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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.

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.

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. However, this add-on does not cover your base policy's exclusions, including tyre repairs and 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.

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. The cost depends on several factors: age of the car, add-ons selected, choice of insurance plan, make and model of your car, location, driving record, and IDV.