What is Tyre Protect Add-on Cover and Who Needs It?

Updated on 30-Oct-2025

India's roadways still require significant improvement, despite the government's sincere and ongoing efforts. Whether driving through cities, highways, or villages, you are likely to encounter potholes, uneven speed breakers, and incomplete roads. Keeping your vehicle in good condition despite such circumstances becomes highly challenging. Tyres are components of a vehicle that suffer the most due to poor road conditions.

Tyre replacement can be costly, especially if it happens frequently . For example, a new tyre for a hatchback could cost around INR 4,000. This is where the Tyre Protect add-on cover becomes valuable, offering indemnification against stand-alone tyre damages caused by Accidents (not involving damage to any other parts of the vehicle in which case the cover is available in the base policy).

What is Tyre Protect in ICICI Lombard Car Insurance?

Tyre protect is an add-on to a car’s comprehensive or own-damage insurance policy that covers the expenses for repair and/ or replacement arising out of standalone accidental loss or damage to tyre(s) and/or tube(s) and/or wheel rim(s).

Tyre Protect in Car Insurance: What is Covered & Not Covered?

Here is a list of what is covered and what is not under a Tyre Protect add-on cover:

Covered

ICICI Lombard covers expenses for repair and/ or replacement arising out of standalone accidental loss or damage to tyre(s) and/ or tube(s) and/or wheel rim(s) due to,

1. Tyre side wall indentations due to external impact
2. Tyre burst due to incorrect air pressure
3. Damage to tyre(s) and/or tubes and/or wheel rim(s) due to external impact

Maximum of 4 (four) replacements of tyre(s) and/or tube(s) will be allowed during the Period of Insurance ie. for policy of 12 months

Not covered

ICICI Lombard will not be liable for below mentioned exclusions:

1. Loss or damage arising out of natural wear and tear or mechanical failure or improper suspension geometry as specified by manufacturer.
2. Loss or damage within first 15 days of inception of the policy.
3. Any loss or damage occurred prior to inception of the policy.
4. Theft of tyre(s)/ tube(s)/ rim(s) or its parts/ accessories without vehicle being stolen or theft of entire vehicle.
5. Any loss or damage resulting into Total Loss/ Cash Loss/ Constructive Total Loss of the insured vehicle.
6. If repair/ replacement of tyres is done at unauthorized garage.
7. Loss or damage arising out of any manufacturing warranty, defect or design including manufacturer's recall.
8. Minor damage or scratch not affecting the functioning of the tyre.
9. Tyre(s) and/or tube(s) is/are repaired/replaced without prior authorization from ICICI Lombard GIC Company Limited. i.e. Claim where an opportunity is not given to us to inspect the damage or loss before commencement of repair.
10. Damage arising out of violations of operating instructions such as racing, rally etc.
11. Any excess mentioned in the policy schedule.

What is the Claim process for Tyre Protect cover?

Filing a claim under the tyre protection cover generally involves the following steps:

1. Immediate Notification: (Inform ICICI Lombard about the tyre damage as soon as possible through its various customer support channels).
2. Documentation: Provide necessary documents, including photographs of the damaged tyre, a detailed description of the incident, and any other required paperwork.
3. Inspection: The insurer may arrange for an inspection to assess the damage.
4. Repair or Replacement: Upon approval, proceed with the repair or replacement at a network garage or service centre.
5. Reimbursement or Cashless Settlement: Depending on your policy terms, the insurer will either reimburse the expenses or settle the bill directly with the service provider.

To ensure a smooth and hassle-free claim experience, always follow ICICI Lombard’s motor insurance claim procedures as outlined in your policy document.

How can I avail Tyre Protect Cover?

To add the Tyre Protect cover to your existing car insurance policy:

1. Contact ICICI Lombard or its Intermediaries: Reach out to ICICI Lombard or its intermediaries to inquire about the availability of the Tyre Protect add-on.
2. Understand the Terms: Review the coverage details, exclusions, and additional premium costs associated with the add-on.
3. Purchase the Add-on: If satisfied, purchase the add-on by paying the requisite additional premium.
4. Policy Documentation: Ensure the add-on is reflected in your policy documents for future reference.

Conclusion

Standalone damage to the Tyres are not covered under the base insurance policy. Hence to cover standalone tyre damage from accidents, you should purchase Tyre Protect add-on.

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.