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All About Downtime Allowance Bike Insurance Add-On Cover

Updated On May 24, 2021

One of the most important facets of purchasing a comprehensive bike insurance policy is the ability to customise the coverage with add-ons. Some add-ons assist you in receiving a higher claim refund, while others offer valuable services. Some add-ons often offer direct cash if the services are delayed. The Downtime Allowance Add-on in bike insurance is one of these valuable add-ons.

When your bike is in for repairs for an extended period of time, allowance for downtime cover provides a specific amount of money. The sum to be billed, as well as the required number of days for this add-on to activate, is determined by the bike insurance company. The coverage can seem overwhelming at first, but it is very easy to understand.

All About Downtime Allowance Bike Insurance Add-On Cover

All About Downtime Allowance Bike Insurance Add-On Cover

When you purchase the Downtime Allowance add-on cover, an insurance company will repay you for the money you spent on your regular ride while your bike is being repaired. Compensation may take the form of a lump sum payment at the time of bike claim settlement, cash vouchers of equivalent value to be used for transportation bookings, or direct alternate transportation of similar kind.

Special Conditions

  1. To receive the gain under the Downtime Allowance add-on, a claim for total damages must be accepted. Filing a separate claim under the add-on is not permitted.
  2. When a written notice of the claim is submitted to the insurance provider, it is the first day for determining the sum to be charged under the add-on. Or when the bike was taken to a network workshop for repairs.
  3. Only if the bike takes longer than the days specified in the insurance policy will the claim sum for the Downtime Allowance add-on be charged.
  4. The amount due under Downtime allowance in the event of a theft or total loss claim will be ten days.


  1.  If the total demand for damages is denied, a claim under the Downtime Allowance add-on cannot be made.
  2. If the repairs are completed before the minimum number of days needed to enable the add-on, the claim sum will not be charged.

Advantages By Purchasing A Downtime Allowance Add-On For Bike Insurance:

The following are the advantages of purchasing the Bike Downtime Allowance Add-on:

  1. A comprehensive two-wheeler insurance policy's coverage is expanded.
  2. Increases the sum of the argument.
  3. If repairs take longer than expected, this software will assist you financially.
  4. Any mode of transportation can be used to continue travelling.
  5. When the bike is being fixed, it reduces out-of-pocket costs.
  6. When the bike is being repaired, it gives you peace of mind about the cost of travel.

How to Buy Bike Insurance Online Downtime Allowance Claim Add-On?

There are two options for making a claim against a bike insurance policy. The first is an online method, and the second is a traditional offline method. 

  • Online

    Buying the two-wheeler Downtime Allowance Add-on online is more convenient. When searching for a two-wheeler package policy, you can add the Downtime Allowance Add-on. Only a comprehensive bike insurance policy includes the option to purchase an add-on. Enter your bike's information and then pick from a list of available add-ons to complete your order.
  • Offline

    When opposed to buying insurance add on to your bike insurance policy online,  offline can take more time. To receive an application form, you must first contact an insurance company or the insurance broker. Choose the best protection and add-ons for your bike. Send the form, along with any other necessary documents, and wait for the insurer's approval. In 5 to 6 working days, you should receive a physical copy of the insurance contract in the mail.


Adding an add-on cover to the auto insurance policy acts as an extra layer of protection against unfavourable situations. You are not expected to enter the trend if a friend has purchased a common add-on insurance cover. You should carefully determine your insurance needs and choose add-on coverage based on your specific needs.

Read More: 

Comprehensive Insurance

Third Party Insurance 

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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