Tyre Protection Add-ons In Comprehensive Bike Insurance

Posted on: Sep 18, 2025 | 3 mins | Written by: HDFC ERGO Team

Tyre Protection Add-ons In Comprehensive Bike Insurance

Tyres are the most important part of your bike. It's the support system that allows you to ride on the road. To ride safely and have a smooth experience, you must maintain the tyres in the best condition. You will be using the road across various surfaces and conditions, which is why you need to consider a lot of things.

Bumpy roads and broken roads can damage the area, which affects the tyres. Bike tyres are not cheap, which is why you need to spend extra money on replacements and repairs. You should consider getting comprehensive bike insurance that offers coverage for your two wheeler. You may get a tyre protection cover along with the standard insurance to secure your tyres.

Tyre Protection on Comprehensive Bike Insurance and Its Importance

Tyre protection is one of the main add-ons that you can get in your comprehensive bike insurance. This add-on offers financial coverage to all policyholders in case of tyre damage.

It can cover different types of damage, such as a tyre burst or puncture. Whether you're buying new insurance or renewing your existing one, you should choose this add-on. This type of add-on, however, is not possible for third party bike insurance.

With tyres being one of the most important parts of your bike, you must maintain them for a safe and smooth riding experience. Getting it insured means you're protecting the bike's tyres against different road conditions and surfaces. Bumpy and broken roads can make it difficult for your tyres to run properly.

A regular bike insurance doesn't cover tyres. However, with the protection cover for your tyres, you can ride freely without having to worry much. Therefore, you can stay protected against paying for any unexpected costs that may arise during the trip.

Why Do You Need a Tyre Protection Cover?

A tyre protection cover on a 2 wheeler insurance can be extremely beneficial. When you're driving across bumpy areas, you need the right protection cover. Some of the key benefits that the policyholders can get with this cover include the following:

1. Saves time, effort and money:

Buying a tyre protection add-on cover can be extremely efficient while purchasing new or renewing the insurance. In case of any unexpected damage to your tyre, the insurer will take care of it. Therefore, your tyre will be repaired easily.

2. You get to ride freely:

Riding on bumpy areas can be very stressful. These unforeseen financial liabilities can arise at any time. When you have the cover, you can ride stress-free across all these roads with complete peace of mind.

Benefits of Tyre Protection Cover

A tyre protection cover can be a beneficial add-on to your policy. Some of the key benefits of getting this cover are as follows:

1. If you need to repair or replace the tyres, the labour charges for it will be covered.

2. You will be protected financially against tyre damage, repairs and replacements.

3. You don't have to worry about cuts, wear and tear or bulging.

4. The overall cost of tyre replacement is reduced significantly.

5. If any unwanted tyre damage arises, financial coverage for it will be provided.

Who Should Buy Tyre Protection Coverage?

If you drive frequently across bumpy roads, you need proper protection. This is to ensure that you are financially secure. Some of the people who must buy a tyre cover in bike insurance are as follows:

1. New bike owners

2. Drives a vehicle in accident-prone areas

3. Lives in hilly areas

4. Long-distance travellers

What Happens if Tyres Are Damaged?

If your tyres are damaged, you need to be mindful about how you're riding them. The type of claim you will receive completely depends on your insurance policy. If there is no zero depreciation coverage for the tyres, it may be covered under the standard policy.

Below are the scenarios under which your tyres may be covered:

1. Third-party coverage:

If you have third-party bike insurance, none of the damages sustained by your tyre will be covered. It holds liability only towards the third-party two-wheeler or individual involved in the accident. Therefore, if you have only this policy, you cannot claim coverage.

2. Standard coverage:

Your regular bike insurance (without the zero depreciation cover) covers tyre damage only in case of accidents. However, the depreciation value of the vehicle will be considered. A specific part of the reimbursement will only be provided, but not the entire value.

3. Add-on coverage:

The add-on coverage is extremely beneficial because then the full amount will be reimbursed without any deduction through depreciation.

Inclusions and Exclusions

When you get the tyre protection add-on cover for your bike or scooter insurance, there will be specific inclusions and exclusions that you must be mindful of. These are usually mentioned in your policy documents, which can be helpful while filing for claims:

Inclusions

1. The cost of replacing the damaged tyres with a new tyre.

2. Labour cost for removing, refitting and rebalancing the tyre.

3. Accident damage and loss of tubes and tyres.

Exclusions

1. Cost of repairing a punctured tyre.

2. Tyre damage caused by manufacturing problems or servicing at any non-authorised service station.

3. Loss due to problems in storage or transportation.

4. Damage due to problems in operating instructions, such as racing and rallying.

5. No compensation is provided if you use your two-wheeler for racing or speed testing.

6. Damage to your two-wheeler tyres because of overloading.

7. Damage to your two-wheeler because of vandalism and theft.

Why Are Tyres Not Covered in Zero Depreciation Bike Insurance?

The standard 2 wheeler insurance policy offers a lot of benefits and covers depreciation for most of the bike parts. However, it does not cover tyre damage for the following reasons:

1. Industry standards:

Some of the bike insurance policies offer coverage for only the main components of the bike, like the engine, transmission and exhaust. With tyres not falling under this category, it is not considered to be as per industry standards. Therefore, a proper replacement for the same is not provided.

2. Replacement costs:

The cost of replacing tyres isn't usually high. Sometimes, the cost of replacing tyres may be less than your deductibles. Therefore, it is not considered to be a smart decision to file a claim for this. Moreover, tyres need to be replaced more often than the other parts, which eventually increases the amount. As you keep filing for a claim, you lose your NCB (No Claim Bonus) benefits too.

3. Wear and tear:

With tyres being susceptible to damage frequently, wear and tear is a common issue. Different bike parts that need to be replaced and refilled often are considered consumables. Therefore, these consumables are not covered by the zero depreciation cover.

You can read more about tyre coverage in zero depreciation bike insurance in our blog Is Tyre Covered in Zero Depreciation Insurance?

Is It Worth Getting a Tyre Protection Cover?

While your standard bike insurance doesn't cover tyres, the add-on cover will. With tyres being a critical part of your bike, often prone to damage, you need to protect them. Therefore, getting an add-on protection cover for your tyres is worth it. Although you have to pay a slightly higher premium, the extra protection that you get for tyres is extremely beneficial. After all, if required, you wouldn't have to pay all the expensive costs from your pocket, as insurance will cover it all.

Conclusion

Whether you get bike or scooter insurance, you must purchase add-ons as well. Tyres are one of the most important parts of your vehicle that you can't ignore. They carry the maximum weight of your vehicle, ensuring a safe and secure ride. So, get some extra protection for your two-wheeler’s tyres.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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