5 Add-on Covers for Bike Insurance You Shouldn’t Miss

As a bike owner, owning a comprehensive bike insurance policy is a wiser decision to be protected against unforeseen instances. Moreover, you can enhance your coverage and mitigate your unplanned financial burden with additional covers. With that saying, this article highlights essential insurance add-on covers that you can consider.

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5 Bike Insurance Add-on Covers Made for You

Your bike insurance policy provides enough coverage, but you can always get extra benefits with add-on covers.

In India, having a third-party bike insurance policy is compulsory. However, for vast coverage, you should choose a comprehensive policy. With this basic policy, you can purchase additional cover that are known as add-on covers or riders in bike insurance.

You can purchase these riders at an extra cost, just like extra cheese on a pizza. You can get these with a standalone own-damage or comprehensive two-wheeler insurance plan. These cannot be clubbed with third-party policy or cannot be purchased separately.

To help you in finding the best add-on cover, here is a list of the most suitable covers designed just for you-

  1. Zero Depreciation Cover

    Every type of two-wheeler is subject to regular wear and tear over time. Due to this loss, your vehicle parts get subjected to recurring depreciation. Whenever you raise a claim for the repair of your insured vehicle, an amount of depreciation is deducted while calculating the final settlement to be paid by the insurer.

    This is where a Zero Depreciation add-on cover comes to rescue you. It is commonly known as a Bumper-to-Bumper cover.

    This add-on will mitigate the additional financial burden due to the depreciation of your bike’s parts by omitting the deduction. Hence, while claiming the insurance, your insurer will pay the bill for the damage without taking into consideration the depreciation percentage levied on the bike parts which are being repaired or replaced.

    Generally, most insurers compensate for a maximum of two claims in a policy period with this add-on cover. However, some insurers even allow unlimited zero depreciation claims in the policy period.

    Therefore, you must go through the policy wordings before buying this add-on cover with your basic policy.

  2. Roadside Assistance Cover

    A roadside assistance cover is a form of mechanical help you can call for, wherever you face a mechanical or technical breakdown of your bike in the middle of the road. It can be availed 24/7 by calling your insurer and providing all details of the incident.

    This add-on cover becomes crucial if you ride in remote areas or daily cover long-distance. With little to no mechanical service support in this distance, it becomes significant to have a peaceful riding experience without the worry of any unforeseen situations involving the bike’s mechanical breakdown.

    Furthermore, you also get bundled services with the cover, including towing the vehicle to the nearest garage, fuel delivery in case of emergencies, tyre replacement, arrangement for accommodation, and alternative travel as well as repairing any minor damages on the spot.

  3. Return to Invoice Add-on Cover

    Not only your bike carries a high risk of being caught in an accident or a collision on the road, but being a vehicle in public space, it also carries a probability of being stolen.

    In such a situation, if you possess valid comprehensive bike insurance along with having the return-to-invoice add-on cover, you will be eligible to claim the Insured Declared Value (IDV).

    If the police is unable to find your insured vehicle, they will issue a certificate to be used for claiming monetary compensation for the stolen vehicle.

    Moreover, if your bike is caught in an accident and has been damaged beyond repair, insurance companies will refund the complete amount mentioned in the invoice of the vehicle.

    Keep in mind that a few insurance companies also offer this cover as a part of the basic comprehensive coverage. So, check the policy inclusions before buying it.

  4. Engine and Gearbox Protection Cover

    Another piece of gem in the hidden treasure of add-on cover list is the engine and gearbox protection cover. The engine is the heart as well as the brain of any vehicle and is practically the most important mechanical part of a bike.

    While a comprehensive bike insurance plan provides holistic coverage, it still does not cover you against any damage to your bike’s engine or gearbox.

    Hence, with this add-on cover, you are protected against any damages occurring to your engine or gearbox irrespective of being caught up in an accident or not.

  5. Consumables Cover

    Whenever your damaged bike goes to a garage, a lot of items are consumed in the process of repairing the ascertained damages. Such consumables include screws, nuts, bolts, bearings, clips, engine oil, gearbox oil, oil filter, distilled water, etc.

    Such consumables can add a big amount to the bill. Under the usual insurance policies, companies do not compensate for this amount. However, you can still save on the cost by opting for the consumables add-on cover.

    With this cover, all the costs of the consumables used in the repairing process are borne by the insurer without hurting your pocket.

Benefits of Bike Insurance Add-on Covers

Following are the benefits you will get if you opt for add-on covers with your bike insurance policy-

  • Enhanced Coverage- Additional coverage means extra protection for the policyholder. This allows you to further prevent yourself from being caught up with unplanned financial liabilities.
  • Offers Personalised Customisation- The policyholders can tailor their bike insurance policy to suit their requirements.
  • Peace of Mind- Since the enhanced coverage provides extended protection for your bike, you not only remain well secure but are also able to ride your vehicle with sheer peace of mind


The add-on covers discussed in the above article come as a cherry on the ice cream when it comes to enhancing your policy coverage. They extend the coverage making your existing bike insurance plan more comprehensive at a very reasonable premium cost.Choose your add-on covers wisely and enjoy the ride!

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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