Important Add-On Covers in Two-Wheeler Insurance Policy
The add-on covers expand the policy coverage of your two-wheeler insurance. Learn about the important two-wheeler bike insurance add-on covers.
Table of Contents
Every insurance company provide different add-on covers to enhance the policy coverage. There are different types of add-on covers available at the different insurers to choose from. To add this extra coverage to your policy, you will have to pay for an additional premium. However, different add-on covers are available at different costs, hence, opt for the add-ons based on your requirements and budget.
Top Add-On Covers in Two-Wheeler Insurance Policy
Here are the most crucial add-on covers in a two-wheeler insurance policy:
1. Roadside Assistance
The roadside assistance is an add-on cover, which provides facilities to tow the bike or scooter, on-the-spot repairs, alternative transport, accommodation, key replacement, and many more if you are stranded anywhere. This cover brings a huge relief during the incidents of accidents by taking your two-wheeler to the nearest service centre for repairs. This is a crucial cover for frequent travellers.
2. Co-Passenger Cover
Bike accidents are likely to be more serious for both driver and pillion when compared to car accidents. There are more chances of severe injuries and death to happen. Since both persons carry the same amount of risk in the case of a road accident, only the rider is covered against death and disability. Therefore, opting for a two-wheeler passenger cover will give accidental coverage against partial or complete disability of your co-passengers as well.
3. Zero Depreciation Cover
With time, the depreciation lowers the value of bikes and their parts. This lessens the IDV which ultimately reduces the claim amount. You can buy a zero depreciation add-on cover by paying an additional premium to avail of its benefits in addition to the premium of the existing bike insurance policy. This add-on covers the cost of repair or replacement of bike parts of rubber, plastic, fibre components, and so on.
4. Medical Cover
Amongst all the coverage, medical assistance holds the utmost importance at the time of an accident. In most cases, the expenses of medical emergencies are generally unaffordable, which makes it necessary for bike owners to add a medical cover to their two-wheeler insurance plan. It is an add-on cover that provides assistance to give coverage for medical treatment required to be undergone by bike owners due to an accident.
5. Accessories Cover
Many people suffix some fancy electrical or non-electrical accessories to their bikes and scooters to improve their looks and security. In an accident, apart from the vehicle, the accessories can also get damaged, which can enhance your repair bill. So, you should opt for accessories cover to provide a shield against any type of damage or loss to your valuable accessories. Do add this add-on cover to your policy during policy purchase.
Conclusion
To combat different types of unforeseen threats to your bike, you should opt for add-on covers. It will cover your least expected expenses after an accident or a mishap. Here are the most important bike insurance add-on covers which you should include in your two-wheeler insurance plan.
Also Read:
How To Get the Details of Bike Insurance By Registration Number?
How To Get A Duplicate Copy of New India Bike Insurance Documents?
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.
