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Importance Of Add-On Covers In Bike insurance

Updated On May 24, 2021

Add-On covers are additional coverages that you can avail of to strengthen your bike insurance policy. Read on to find out why they are important and beneficial.

You may have often wondered how bike add-on covers work and why they are important or beneficial. Read all about add-on covers and find out about their benefits and importance. It is important to research two wheeler insurance properly before you go ahead and purchase it, and add-on covers are an important aspect of two wheeler insurance which will help you tailor your policy to your needs as well as strengthen your coverage. 

Importance Of Add-On Covers In Bike insurance

What Are Bike Insurance Add-On? 

Add-on covers in bike insurance refer to additional coverages which you can purchase at an additional premium. They offer coverages that may not be covered under a standard comprehensive bike insurance policy or a standard own damage insurance policy. The purpose of add-on covers is to allow you to make your coverage stronger according to your own needs. For example, if you live in a flood-prone area, you may opt for Engine Protection Cover. 

Importance of Bike Insurance Add-On 

There are a variety of add-on covers available with bike insurance. You can explore the various options and decide which ones are best for your needs and circumstances. The following are some reasons why add-on covers are important: 

  • Increased Coverage 

Add-on covers will increase the coverage of your bike insurance policy, and gives you higher coverage than a standard comprehensive bike insurance policy or an own damage policy. You will have financial coverage for a greater variety of circumstances if you opt for add-on covers. 

  • Personalised Coverage 

Bike insurance add-ons allow you to tailor your policy to your needs and allow you to create a bike insurance policy that caters to you specifically. This way, the coverage you receive will be specialised to your needs and will be personalised. 

  • Higher Claim Amount 

Another benefit is that you will be able to avail of a higher claim amount at the time of raising a claim if for example, you have availed of add-on covers such as Zero-Depreciation Cover and Return to Invoice Cover, which will protect you from the depreciation in the market value of your bike. 


Bike insurance add-ons are thus coverages that you can purchase at an additional premium to make your bike insurance policy stronger and more catered to your needs. It will give you a higher degree of coverage, allow you to get a policy that serves your circumstances and is personalised for you, as well as allow you to get a higher claim amount if the time comes for you to raise a claim. 

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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