Updated on 14 Nov 2025
Tires are crucial parts of a vehicle as they ensure smooth driving and safety. However, they also get exposed to wear and tear, are damaged due to road conditions, accidents and punctures. Many vehicle owners often wonder if their car insurance policy will cover all the tyre-related costs. The answer relies heavily on the sort of vehicle insurance you have and whether you have taken any add-on covers. Go through this blog to have a good understanding of it.
What is the car insurance coverage for tyres?
In India, standard car insurance policies typically do not cover the wear and tear of tyres. The policies mainly focus on damages caused by accidents, theft, fire, natural disasters, or other perils specifically mentioned in the policy.
Comprehensive Insurance Policies or Add-on Coverages: Some comprehensive insurance policies or add-on covers may offer coverage for tyre damage in situations such as accidents or punctures from road hazards. To know the extent of coverage for tyre damage and any exclusions or conditions that may apply, you must review your insurance policy properly or consult your insurance provider.
Optional Tyre and Rim Coverage: It's worth noting that standard policies usually don't cover the replacement or repair of car tyres unless the damage occurs under a covered incident. Some insurance companies may offer an option for coverage that specifically protects against damage to tyres and rims caused by covered incidents.
Manufacturer’s Warranty: Regarding wear and tear, auto insurance typically doesn't cover any resulting damages. Manufacturers' warranties, though, might provide coverage for defects, wear, road hazards, and other types of damages.
Types of tyre damage and coverage eligibility
Below are listed several types of tyre damage and the coverage they qualify for:
- Accidental damage: This is covered when the tyre gets damaged during an accident or collision.
- Blowout or burst due to impact: It's covered under the policy, but it should be linked to an accident.
- Slow leaks or punctures: This sort of damage is not covered under normal vehicle insurance, as it falls under periodic maintenance.
- Theft of tyres: It’s not covered under the policy unless the entire vehicle is broken.
- Wear and tear over time: Not covered because it’s considered a part of the standard usage.
Optional add-ons for tyre protection
Many insurance firms in the country offer Tyre Protection add-on covers, which you can buy along with a comprehensive third-party car insurance plan: All these add-on covers the following:
- Protection against tyre damage not connected to an accident.
- Labour charges for balancing and refitting the tyres.
- Replacement or repair of damaged tyres because of sidewall damage, bulges, cuts or punctures.
Conclusion
Vehicle insurance doesn’t normally cover tyre damage unless it takes place during an accident. Every day wear and tear or puncture is viewed as your responsibility. However, with the Tyre Protection add-on, you can lower all the out-of-pocket costs and extend the coverage. So, it's advised that you look for a vehicle policy that can cover the tyre-related problems. If you want solutions and suggestions on car insurance policies, fill out the form on this page. We will help you safeguard your vehicle from damage and accidents.
FAQ
-
Does the standard vehicle insurance cover tyre punctures?
No. All minor damages and punctures are not covered under the normal insurance.
-
What is a tyre protection add-on?
This is an optional cover that safeguards against burst, cuts, punctures and repairs.
-
Is tyre theft covered under the policy?
It will only be covered when the entire vehicle is stolen, not when just the tyres are stolen.
-
Can a person buy a tyre protection add-on?
Yes. If you dive on bad roads or travel long distances regularly.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.