Best Bike Insurance Add-Ons for Long-Distance Touring Riders in India

Top 10 Bike Add-ons for Indian Long-Rides

Touring in India can take you through remote villages, rugged mountain roads, crowded cities or scenic coastlines. Here’s how to protect your two-wheeler and yourself with smart and powerful add-ons with your bike insurance policy.

1. Zero Depreciation Cover

   What it does: A zero dep cover, also known as bumper-to-bumper cover in bike insurance, covers the full cost of bike parts without deducting for wear and tear during repairs.

   Why it matters: If you crash in the hills or a part breaks on a long ride, this add-on ensures you don’t pay extra from your pocket for plastic, metal, or fiber parts.

2. Return-to-Invoice (RTI) Cover

   What it does: An RTI cover in bike insurance gives you financial coverage when your bike is stolen or totalled (more than 75% is damaged); you get the full invoice amount (on-road price), not just depreciated value.

   Why it matters: Suppose, your ₹2 lakh touring bike gets stolen in a city or gets more than 75% damaged in an accident, RTI ensures you recover the full amount.

3. Engine Protection Cover

   What it does: The engine protection cover in bike insurance covers the damages caused to the bike’s engine due to water, oil leakage, or debris.

   Why it matters: Touring in monsoons, rivers, or dirt roads can easily damage the engine. Without this, engine repairs aren’t covered, even if you have a comprehensive bike insurance policy.

4. Roadside Assistance (RSA) Cover

   What it does: An RSA cover in bike insurance offers 24/7 assistance to the policyholder. It includes towing, battery jump-start, puncture tyre fix, or fuel delivery.

   Why it matters: If you’re stuck in the nearest town, RSA sends help to tow you to the nearest service center or fix your bike on the spot.

5. Consumables Cover

   What it does: A consumables cover in bike insurance pays for small parts, which are known as consumables and are not usually covered in the standard bike insurance policy. These are known as engine oil, screws, lubricants, coolant, etc.

   Why it matters: Generally, long rides mean more maintenance. If you crash or break down, you will save money on these 'hidden' repair costs.

6. Accessories Cover

   What it does: It insures gears, such as panniers, saddle bags, phone mounts, GPS, lights, etc.

   Why it matters: Typically, a touring bikes carry ₹10,000–₹50,000 worth of gear. This cover protects it from theft or accidental damage.

7. Tyre Damage Cover

   What it does: It repairs or replaces tyres and tubes due to accidental damage.

   Why it matters: On rough terrains or mountain trails, tyre damage is a common problem, especially when you are on a road trip. This cover helps replace costly dual-sport or tubeless tyres.

8. Key Loss Cover

   What it does: A key loss cover pays for a key duplication or full lock-set replacement if you lose your bike key during your journey.

   Why it matters: It is quite easy to get keys misplaced while camping, exploring, or refuelling. This is why having this add-on cover with your two-wheeler insurance policy is essential, especially in remote areas where duplicate key services are unavailable.

9. Pillion Rider Accident Cover

   What it does: A pillion rider cover in a 2-wheeler insurance policy provides compensation if your co-rider/passenger is injured or worse.

   Why it matters: If your friend or partner is touring with you, this ensures they are financially protected in case of an accident.

10. NCB Protection Cover (No Claim Bonus)

    What it does: An NCB protection cover keeps your accumulated bonus (No Claim Bonus) intact even after one or two minor claims.

    Why it matters: Touring increases the chance of minor accidents causing damage to your insured vehicle. With this add-on, your renewal discounts won’t be lost just because of one claim.

Ideal Add-On Combo for Indian Touring Riders: Summary

How to Buy Bike Insurance Add-ons Online?

Buying or renewing two-wheeler insurance with add-ons online is fast and easy at Policybazaar.com:

• Step 1: Go to www.policybazaar.com. Hover over "Insurance Products" by clicking on "Two Wheeler Insurance" button.
• Step 2: Enter your bike details, such as vehicle number (or manually select the bike model, brand, variant, and fuel type) along with registration city and year and click on 'View Plans'.
• Step 3: Choose policy type as comprehensive bike policy (best for touring riders, includes own damage + third-party liabilities). If you plan to go third-party bike insurance policy only, it is not recommended for touring as no coverage will be provided to your bike.
• Step 4: Compare quotes from various insurers. You can filter and do comparisons based on:
  • IDV (Insured Declared Value)
  • Premium
  • Insurer ratings
  • Add-ons available
• Step 5: Add popular touring-friendly add-ons as per your requirements and budget.
• Step 6: Fill in personal & vehicle details.
• Step 7: Review your plan summary and pay via UPI, credit/debit card, or net banking.
• Step 8: Receive Policy Instantly via email, SMS, or download it through our app.