Here Are 8 Additional Coverages To Supplement Your Basic Two-Wheeler’s Protection


Possessing and riding the bike of your dreams is a desire shared by many of us. And, given the deterioration of traffic conditions, purchasing a two-wheeler has never been more rewarding than it is now. A two-wheeler will help you beat traffic, decongest the roads, and, most significantly, it will be easier on your wallet.

They are less expensive to acquire in the first place, less expensive to run, less expensive to maintain, and, of course, less expensive to insure. Many of us overlook the significance of two-wheeler insurance. It does, however, play a substantial role.

A two-wheeler insurance policy assures that you acquire the necessary legal permission to ride your bike, as well as a slew of other benefits. For starters, it can provide coverage for vehicle damage, as well as protect your bike from natural disasters or man-made calamities such as riots, strikes, theft, vandalism, and so on.

Before you go out and acquire online two-wheeler bike insurance, it’s a good idea to be informed of the various varieties available. You can choose between third-party bike insurance and comprehensive bike insurance.

  • Third-party insurance: Third-party insurance is a bare-bones policy that is required by law. In the event of an accident, the insurance states that you are not required to pay for damages to third-party individuals or properties. The bare minimum structure also contributes to the policy’s cost-effectiveness.
  • A comprehensive policy: A comprehensive policy, on the other hand, provides third-party coverage as well as its own damage component. While the rates are slightly more, it also provides superior coverage. Another benefit of comprehensive coverage is the possibility of add-ons. These are optional coverages that you can add to your plan to improve its coverage.

Here is a list of additional covers for your bike that you should consider:

  • Personal Accident Cover

Accidents on a scooter can be fatal for both the rider and the pillion. Having adequate coverage with a personal accident policy will provide adequate coverage during a time of need. It would provide compensation for partial or whole incapacity, as well as death in the worst-case scenario. This insurance covers both the rider and the pillion.

  • Zero Depreciation Cover

The zero dep cover is perhaps one of the most well-known bike accessories. If you want to repair your bike, you must pay for the depreciation of the spare components. If you choose this option, the insurance removes depreciation from the equation. This enables you to complete the repairs without having to worry about depreciation. In contrast to a typical two-wheeler insurance plan, the bike insurance provider pays for the depreciation expenditures experienced by your bike with Zero depreciation bike insurance. This means that if you have an accident, you will be able to collect a larger sum from the insurance provider. Most insurance policies restrict the number of zero depreciation bike insurance claims you may make, however, there are a few that do not. Hence while renewing bike insurance online or offline do check for Zero Depreciation Cover.

  • Roadside Assistance Cover

If your bike is damaged in an unexpected occurrence or breaks down on the road, the Roadside Assistance Cover (RSA) add-on will help you receive the help you need. It is an emergency assistance service provided by insurance companies to motorcycle owners whose vehicles have broken down on the road. Roadside Assistance for the bike will include services such as fuel delivery, towing, taxi service, flat tyre repair, engine jumpstart, lost key replacement, and many more. If you travel regularly, especially in an unfamiliar area, including this add-on to your insurance coverage can be very beneficial.

  • Engine Protection Cover

Regardless of the fact that the engine is among the most costly of your bike, any damage to it is not covered by your bike insurance policy. The Engine Protection add-on in your bike insurance policy will compensate you for any damage to your two-engine. wheeler’s Some of the scenarios handled by this add-on are as follows:

  • ┬áDamages to the engine caused by water entry.
  • Engine component damage caused by lubricating oil leaks.
  • Engine failure as a result of attempting to start a damp engine.
  • Physical damage to gearbox or differential components.

If you live in a flood-prone location or on a street that frequently floods, this add-on can be really useful. If you possess a high-end motorcycle with a high-priced engine, the Engine Protection add-on will come in handy.

  • Passenger Assistance Cover

The Passenger Assistance add-on is particularly designed to cover the pillion rider in the case of an unforeseen catastrophe resulting in injuries or death. The Passenger Assistance add-on provides insurance coverage for the accidental death, partial disability, or permanent disability of the pillion rider. If you ride your two-wheeler with someone sitting behind you on a daily basis, having this add-on can be extremely advantageous in the long run.

  • Return to Invoice Cover

If your two-wheeler is fully damaged, comprehensive insurance coverage would reimburse you for the IDV (Insured Declared Value) of your bike, which may be influenced by depreciation. As a result, if you file a claim after a few years, you will receive the depreciated value.

The Return to Invoice add-on covers the difference between the IDV and the invoice value of your bike, including registration and other taxes. This add-on applies if your bike is totalled, i.e. it is damaged beyond repair or stolen. As a result, the Return to Invoice add-on will assist you in bridging the difference between the on-road price of your bike and the IDV you stated during the policy purchase (which is subject to depreciation).

  • Outstation Emergency Cover

In the event of an emergency while travelling, such as a two-wheeler breakdown, this coverage will assist with any complications in an unfamiliar place. This claim can only be lodged if it is made more than 100 kilometres away from the policyholder’s home location. There is normally a limit to how many claims you may make for this add-on. However, claims filed under this policy will not affect your NCB.

  • Engine Cover

This add-on, which is available for purchase as a separate own-damage or comprehensive plan, covers reimbursement for engine damage. Because the engine is the core of the two-wheeler, it must be protected. Furthermore, the engine is susceptible to damage. However, reimbursement for engine damage is not covered in ordinary OD or comprehensive plans in two-wheeler insurance without an engine protection policy.

Hence, when you purchase add-ons to your bike insurance online or offline, you increase the coverage provided by your two-wheeler insurance policy. While adding too many unneeded add-ons to your policy might be costly, the appropriate combination of add-ons can save you from splurging on damages.