Accessories Add-on Cover in Two-Wheeler Insurance

Ans: The bike insurance accessories include a helmet lock, a bike cover, USB charger for a smartphone, mobile holder, riding gears such as knee pads, elbow pads, jackets, etc. Since this would not be included in your comprehensive insurance plan so you will have to purchase it separately.

Ans:  No, the accessories add-on is only available with comprehensive or own-damage bike insurance policies, not with a third-party bike insurance policy.

Ans:  Driving accessories refer to electrical or electronic devices installed on the bike to improve the riding experience or utility. These include mobile holders, Bluetooth headsets, GPS units, USB chargers, and LED indicators. These are typically covered under the electrical accessories add-on in bike insurance.

Ans:  You can add accessories to your policy when buying or renewing a two-wheeler insurance policy. While purchasing, declare the type and value of accessories (electrical and non-electrical), and the premium will be adjusted based on the declared value by your insurer.

Ans: A standard bike insurance does not cover regular wear-and-tear spare parts like brake pads, clutch plates, or tyres. However, in case of an accident or damage, the cost of replacing damaged spare parts may be covered under a zero-depreciation bike insurance policy.

Ans: Yes, a comprehensive bike insurance covers repair costs arising from accidents, natural disasters, fire, or theft. However, routine maintenance or wear-and-tear repairs are not covered. To do that, you need to take your bike to the scheduled servicing sessions.

Ans: Typically, a comprehensive two-wheeler insurance policy covers the following:

• Damages due to accidents, fire, floods, or theft
• Third-party liabilities (bodily injury/property damage)
• Own vehicle damage
• Add-ons like zero depreciation, engine protection, and accessories cover (if opted)

Ans: Non-electrical accessories include parts or fittings that do not require power, such as:

• Crash guards
• Custom seat covers
• Saddlebags
• Helmet locks
• Bike covers
• Riding gear like jackets, elbow and knee pads

These are covered under the non-electrical accessories add-on, which must be purchased separately.

Ans: Yes, a comprehensive bike insurance covers repair costs arising from accidents, natural disasters, fire, or theft. However, routine maintenance or wear-and-tear repairs are not covered. To do that, you need to take your bike to the scheduled servicing sessions.

Ans: You can either purchase the accessories add-on while buying a new one or during bike insurance renewal.

Ans: The accessories add-on covers the loss or damage caused to the bike accessories during a road accident or theft.

Ans: Yes, you can add multiple add-ons such as zero depreciation, roadside assistance, engine protection, and accessories cover.

Ans: It depends on the declared value of the accessories. The higher the value, the higher the premium will be.