Key Replacement Add-On Cover In Two Wheelers

If you love your bike then you must be having a comprehensive insurance plan to protect it from unforeseen incidents. A comprehensive insurance plan does provide you a wide coverage but it does not protect each and everything related to a bike. That is where add-ons come up which you can purchase to get yourself extra protected for any particular peril and one such add-on cover is key placement add-on. Let us tell you about this add-on in detail.

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Key Replacement Add-On In Two Wheeler Insurance

Getting a replica of your stolen/lost key used to be easy back in time and the only way left is to visit the service center and get a replacement key if you have lost it or get the whole lockset changed if the key was stolen.

The key replacement add-on will cover the cost of getting your key or the whole lockset replaced of your two-wheeler. Even if you have comprehensive bike insurance, it will not provide you cover for key replacement and you will have to purchase this add-on cover separately by paying an extra amount in your premium.

For instance, you are on a bike road trip and you stop for a lunch break in a restaurant. After finishing your lunch you decide to leave and suddenly you realize that you do not have your bike’s keys on you. Considering the fact that it might be stolen or lost, if you have a key replacement add-on cover you can contact your insurer and tell them about your situation and then they will direct you to the nearby service center where you can get a duplicate key of your bike and the insurer will pay for the replacement key on your behalf.

How To Purchase Key Replacement Add-On Online?

With the help of digitalization, it has become pretty easy to purchase an insurance plan online. You can select the plan as per your requirement and if you are a policyholder and looking for an add-on then you can simply choose from multiple options available online. However, you can only purchase add-ons while renewing or purchasing an insurance plan. If you are purchasing two-wheeler insurance then you can simply visit the insurance provider’s website and purchase the plan and add the riders as per your requirement but if you are renewing your insurance plan then here are the steps that you can follow to purchase an add-on.

  • Visit the official website of the insurance provider.
  • Enter the policy number along with the required details.
  • It will open your existing insurance plan and show you the details.
  • Now click on the desired add-on such as key replacement add-on to add it to your existing plan.
  • Once the add-on is added, it will ask you to make the payment.
  • You can make the payment online using UPI, Credit/debit card and Netbanking.
  • Once the payment is done, the insurer will send you the receipt on your registered mobile number and email address.

How To Raise Claim In Key Replacement Add-on?

The only purpose of purchasing insurance is to get an easy claim for any loss or damage caused. Since we are talking about the key replacement add-on claim. You can follow the steps given below to easily raise the claim online.

  • Inform the insurer as soon as you realize that you have lost your key.
  • Provide all the details required to the insurer.
  • Fill in the form properly and keep the required documents ready to submit along with the claim form.
  • As soon as the insurer is done with initiating the claiming process and make sure that all the required documents are there.
  • The insurer will get your key replaced or provide you with a new key through the nearby service center which you will have to collect.
  • Once you get the key, the insurer will pay on your behalf.

Why Buy Key Replacement Add-on?

We live in the modern era, where sometimes things become hectic and the keys are one of the most lost items. So, when you lose your key, it becomes a task to get a new one from the service center. This is why it is important to purchase this add-on so that you do not have to pay for the replacement key out of pocket and let your insurer worry about everything else.


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