Bike Insurance Benefits in Case of Natural Disasters

Natural disasters are unforeseen weather conditions that cause major damage & loss to human life and property. As a two-wheeler owner, it is essential to buy the right bike insurance policy to avail the benefits in case a cyclone hits your city and causes damage to your bike through water ingression in the bike's engine. Read on to learn how bike insurance benefits in case of natural disasters.

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How Different Types of Natural Disasters Affects You?

In recent years, India ranked among the top three countries miserably hit by different types of natural hazards. The disasters can range from earthquakes & floods to cyclones & hurricanes. According to a 2021 report, nearly 108 crore people were affected by the natural calamities in India.

Millions of people get affected by different types of natural disasters every year, and their effect is catastrophic. From heavy destructions of buildings & structures to destruction of the personal belongings, including their motor vehicles, the effect can be seen everywhere. A single hit can devastate an entire nation overnight. It disrupts the people's lives in densely populated urban cities as well as remote villages.

What is Covered Under Your Bike Insurance Policy?

In India, you must have at least a third-party bike insurance policy to legally ride a bike. However, if you want a complete package to protect your bike from several natural calamities or events you can buy a comprehensive bike insurance policy. It is an optional cover that protects your bike from the damages caused by nature that are out of human control, including fires, cyclones, floods, earthquakes, hailstorms, etc.

Moreover, it gives you protection in case of unforeseen events created by humans themselves. It includes the damages caused to the insured bike caused by vandalism, strikes, wars, terrorism activities, or riots.

How Does a Comprehensive Bike Insurance Policy Help You During Natural Disasters?

A comprehensive bike insurance policy offers financial protection for both natural and man-made disasters. Thus, you do not need to buy any separate bike insurance add-cover for each one. It acts as a shield for many instances that might severely damage your insured bike.

For example- if your insured bike sustains damage due to a hurricane, a comprehensive bike insurance policy compensates for both repairs and replacement of bike parts and helps you to save a considerable amount.

Useful Bike Insurance Add-on Covers Designed for Natural Disasters

Your bike insurance add-on covers play a vital role in enhancing the coverage of the standard policy. Well, your comprehensive bike insurance policy offers extensive protection by including the damages & losses caused to the third-party and own damages but the add-on cover works as an extension to the comprehensive plans. You must consider buying the below bike insurance add-on covers for enhanced coverage during natural disasters-

  1. Engine Protection Cover- As the name suggests; this add-on benefit covers all the costs of replacing or repairing the parts of the bike's engine caused due to any natural disaster including flooding. It covers damages caused due to leakages of lubricating oils, coolant or loss of engine parts, and hydrostatic lock.
  2. Zero Depreciation Cover- This is commonly known as a bumper-to-bumper cover which covers the cost of the replacement parts without considering the deprecated value of the bike.
    Over time, each bike part depreciates due to regular wear & tear. Therefore, it is an essential cover perfectly designed to save you from paying the amount out of your pocket.
  3. Consumables Cover- Another important bike insurance add-on cover is consumables cover. Consumables items refer to distilled water, engine & gearbox oil, nuts & bolts, grease oil, lubricants, etc. All these items are excluded from your standard plans which is why consumable cover helps you in the tough times.

Does Your Bike Insurance Covers Total Loss in a Natural Disaster?

Yes, your bike insurance covers the total loss of the insured bike in a natural disaster. Your insured bike shall be treated as a TL (total loss) if the overall cost of the repair exceeds 75% of the Insured Declared Value (IDV). In such a scenario, your insurer will compensate for the loss by paying the IDV or as per the policy documents.

Moreover, you can easily calculate the premium amount and the IDV of your bike by using the bike insurance calculator available on the official website of Policybazaar Insurance Brokers Private Limited.


If you want to protect your bike from the effect of several natural disasters, obtain a comprehensive insurance policy as it covers the damages caused due to natural and man-made disasters both. Also, you can strengthen your policy coverage by buying add-on covers with it.

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

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