Choosing only third-party bike insurance is a good deal, but will it save that much money? Not at all. To save money, always choose comprehensive coverage when purchasing insurance for your two-wheeler. ##
To enhance their basic two-wheeler coverage and increase buyer utility, they offer extra covers or add-ons. These extras are readily available for a fee that varies based on your desired features and the extent of your primary coverage. You can purchase add-ons at the start of your policy or when you renew your bike insurance.
Advantages of Two-Wheeler Add-Ons
The following are a few of the fascinating advantages that two-wheeler add-ons offer:
- Roadside Assistance: When operating a two-wheeler, minor malfunctions can be annoying and occasionally render you defenceless. Most insurance companies provide roadside assistance, which can come in handy when you need it to avoid minor mechanical problems. *
- Cashless Network Garages: Most insurers have partnerships with multiple network garages around the nation. You can always contact these network garages, and your bike insurance will cover the full cost of any repairs. *
- Replacement Of Worn-Out Or Damaged Spare Parts: After an accident, you are almost always responsible for paying for the worn-out or damaged spare parts on your two-wheeler. On the other hand, your insurer will cover these costs if you choose to purchase this additional coverage. *
- Protection Of Accessories: If you enjoy adding high-end electrical and non-electric accessories to your two-wheeler, consider adding an extra cover to protect them. If these accessories get damaged, your insurer will cover the costs. *
Extras You May Purchase With Your Two-Wheeler Insurance
Some add-ons you can purchase with your two-wheeler insurance for a slightly higher premium are listed below.
- Pillion Cover: Both the rider and the pillion pass away in a two-wheeler accident. As a result, a pillion cover will inadvertently shield the passenger from any unfavourable circumstance. *
- Zero Depreciation Cover: The owner of a two-wheeler is always responsible for covering depreciation and replacement costs for spare parts. In the event of an accident, a zero depreciation cover will pay for replacing rubber and plastic parts for your two-wheeler. *
- Medical Coverage: After an accident, expensive medical bills can quickly deplete your funds. Thus, you require insurance that covers all expenses associated with receiving medical care following an accident. *
- Coverage For Accessories: These can be costly items, and any damage to them will negatively impact you. A cover for accessories shields your two-wheeler from various types of damage. *
- Engine Protector: In the event of engine damage due to factors like water ingression or oil leakage, this cover ensures your insurance includes repairs or replacement, saving you from significant repair costs. *
The worst-case scenario is an accident, but several less likely methods can demand just as many resources. These add-ons, which go beyond the basic coverage, protect against unforeseen costs and are essential for more comfortable and worry-free travel. Make sure you renew your bike insurance on time to be able to make a bike insurance claim.
Make use of a two-wheeler insurance calculator to check the costs of renewing your policy.
*Standard T&C Apply
##All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.