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Bike insurance add-on covers explained

Updated On Jul 26, 2021

Looking to purchase add-on covers with your two-wheeler insurance? Make sure to consider these ones.

Using a two-wheeler on Indian roads on a daily basis comes with several uncertainties. Moreover, so many thousands of people do this every single day. The risks of this can be a source of constant worry for your near and dear ones. Though the uncertainties are unavoidable to an extent even with the most careful driving, you can protect yourself and your two-wheeler. Two-Wheeler Insurance provides a layer of protection for both the owner-driver and the two-wheeler in the event of a mishap by providing compensation for the losses. However, if you want more coverage than the standard two-wheeler insurance offers, make sure to purchase add-on covers. They can make a significant difference to you at the time of claim settlement. In this article, we will tell you everything you need to know about two-wheeler insurance add-on covers.

Bike insurance add-on covers explained

What is an Add-on Cover in Two-Wheeler Insurance?

In India when you purchase two-wheeler insurance, there are three basic types of insurance to choose from. The third party insurance that is compulsory and takes care of third party liabilities. Standalone own damage covers that take care of only own-damage costs and comprehensive insurance plans that take care of both aspects under a single premium. Add-on covers on the other hand are optional additional covers. This means they cannot be purchased independently, you need to purchase a standalone own damage cover or a comprehensive cover to avail of these. Moreover, they come at an additional cost which is added to your overall premium amount.

What are the Add-on Covers Available with Two-Wheeler Insurance?

Following are the covers available with two-wheeler insurance:

  • Zero Depreciation Cover

    This cover will negate the depreciation rate of the two-wheeler at the time of claim settlement, thus, making the claim amount comparatively much higher. It lowers the out-of-pocket cost in case of a mishap significantly. However, it is available for two-wheelers that are less than five years old only.
  • Roadside Assistance Cover

    In the event of a mishap, with this add-on cover the insurance provider will assist you in finding a towing service, an on location mechanic, spare tire and one way taxi ride anytime you are stranded 500 kms from the city centre.
  • Consumables Cover

    Consumables refers to those parts of the two-wheeler that are entirely used up in go. These are usually excluded in the standard two-wheeler insurance policies. However, with this add-on cover they will be included in the cover and will reduce your out-of-pocket cost.
  • Return to Invoice Cover

    It is scary to think of your two-wheeler being damaged beyond repair. However, in case this occurs the insurance company will only offer the IDV of the two-wheeler which accounts for the depreciation of the two-wheeler. However, if you have the return to invoice cover, the insurance company will also refund the difference between the IDV and the invoice amount of your two-wheeler.


In a nutshell, the above mentioned add-on covers can make a significant difference to your claim amount in case of a mishap. However, keep in mind that not all of them need to be purchased. Make sure to read about each add-on cover and only purchase those that are relevant to your requirements.

Read More 

All About Downtime Allowance Bike Insurance Add-On Cover

Exploring Add-On Covers Of Two-Wheeler 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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