In India, riders have different riding styles depending on their two-wheeler type. Comprehensive 2-wheeler insurance covers all kinds, from high-speed sports bikes to slower scooters. Add-ons are optional insurance policies that offer extra coverage or services alongside the standard comprehensive policy. You can manage them using a bike insurance check app.
Here are the bike insurance add-ons available in India for various two-wheeler rider types.
The Adventure Rider
The Comprehensive Bike Insurance Plan may need more protection if you frequently ride long distances or want to explore off-the-beaten-path on your two-wheeled vehicle.
- Outstation Emergency Cover: If your two-wheeler breaks down or is involved in an accident outside of a 100 km radius of your home, this add-on may help you. If you buy this add-on, your insurance provider can be responsible for covering the cost of the add-on cover. If you frequently take your bike or scooter on long rides, the Outstation Emergency Cover add-on can be helpful. Claims are subject to terms and conditions set forth under the motor insurance policy.*
- Key And Lock Replacement Cover: Imagine losing your bike key on a motorcycle tour. That is what the Key Protect Cover is for. It will ruin your trip and cost you more money. However, if you choose the Key And Lock Replacement add-on, your insurance provider may pay for a replacement key if lost, damaged, or stolen. Claims are subject to terms and conditions set forth under the motor insurance policy. These can be purchased using a bike insurance check app. Claims are subject to terms and conditions set forth under the motor insurance policy. *
The Fast Rider
Riding a sports or high-end bike is exhilarating, offering a sense of speed and excitement. However, a Comprehensive 2-wheeler Policy may only sometimes cover all parts or specific types of damage for such bikes. If you ride a sports or expensive bike, the following accessories may save your life:
- Engine Protector: Your bike’s engine is one of its most essential components, but the Comprehensive Policy does not cover engine damage. You can then use the motorcycle Engine Protection cover to your advantage. Claims are subject to terms and conditions set forth under the motor insurance policy. *
- Consumable Expenses: With this add-on, you may be covered for the cost of any consumables required to repair or service your two-wheeler. The Comprehensive Bike Insurance Plan does not cover the cost of consumable items like engine oil, coolant, nuts and bolts, etc. You can manage your insurance on the go using an online bike insurance app. Claims are subject to terms and conditions set forth under the motor insurance policy. *
The New Rider
Choose a Comprehensive Bike Insurance Policy when buying a new two-wheeler. Here are the add-ons available for new riders, which can be bought when you download the bike insurance check app.
- Zero Depreciation Cover (Depreciation Shield): Over time, a new bike or scooter’s value decreases due to wear and tear, and this depreciation is subtracted from the claim amount during settlements. But with the Zero Depreciation Cover, your insurance provider takes care of the component repair or replacement costs without factoring in depreciation. Claims are subject to terms and conditions set forth under the motor insurance policy. *
- 24/7 Spot Assistance Cover: This add-on may offer assistance if you become stranded on the road. If your bike gets a flat tyre, runs out of fuel or sustains any other damage, your insurer will offer technical support. If you need to have your bike towed to a nearby network garage, your insurance provider also provides that service. You can manage all aspects of your insurance using a bike insurance checking app. Claims are subject to terms and conditions set forth under the motor insurance policy.*
Get insured anytime, anywhere! Check out Bajaj Allianz General Insurance website to learn more and download the app now.
*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.