Make Your Bike Monsoon Ready With These Add-on Covers

The monsoon season is here, and riding a bike in this weather condition is full of uncertainties as you cannot help yourself getting into the water-clogged roads. Moreover, there are more chances of a technical breakdown during the monsoon. Therefore, to enhance the protection of your bike, you can obtain add-on covers for your bike with your comprehensive two-wheeler insurance policy. Read on to find out the best add-on covers for your bike during monsoon season.

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Significance of Bike Insurance Add-on Covers During Monsoon

Two-wheeler insurance add-covers provide more extensive coverage than any other standard bike insurance plan. They are offered in varieties and provide coverage for a wide range of coverage at once.

As a bike owner, you can choose any of them as per your requirement and pay a nominal premium to avail of the benefits. Moreover, it prevents you from paying hefty expenses that you might have to bear at the time of claim settlement.

Types of Add-on Covers Made for Your Bike During Monsoon

Here is a list of some add-on bike insurance covers to protect it from water-related perils during the rainy season-

  1. Engine Protection Cover

    An engine is the heart of a bike, and it becomes essential to protect it from several associated risks. Also, it is an expensive affair to repair the damages if it is caused due to water ingress during the monsoon season or floods. Therefore, you would need coverage that compensates for the cost of repairing a damaged engine.

    An engine protection cover gives coverage against the damages or loss incurred to your bike's engine due to leakage of oil, coolant, lubricant, water ingression, gearbox damage or engine failure during this monsoon season.If you are living in a flood-prone area or a heavy-rainfall region, you must consider buying this add-on cover for your bike.

  2. Tyre Protection Cover

    Tyre protection add-on cover for a bike is another most useful and popular cover available with your comprehensive bike insurance policy.

    During the rainy season, broken roads, potholes, and bumpy roads make the tyres unfit & incapable of regular use. Tyre replacement is a costly affair, and in such a scenario a tyre protection add-on cover saves you from incurring any unforeseen cost of repair or replacement during the monsoon.

    This add-on covers include any labor charges arising while replacing or repairing the tyres, accidental damages to the tyres or tubes, and coverage for replacing an old damaged tyre with a new rim during the rainy season.

  3. Roadside Assistance Cover

    A roadside assistance cover assists you if you get stuck in the middle of nowhere due to any technical issue or engine breakdown, especially in the monsoon season.

    In a roadside assistance cover or bike breakdown cover, you get plenty of aid if you get into trouble while riding your bike. It covers issues like a flat tyre, battery issues, technical issues, mechanical & technical breakdown, key replacement issues, emergency fuel assistance, taxi arrangement, accommodation cover, and pick & drop facility.

    Since roads during the monsoon are worse than on any other day, this add-on cover can rescue you during your tough times.

  4. Consumables Cover

    Consumables are those parts in a bike that needs to be replaced after a certain period. In a bike, consumables are nuts & bolts, screws, engine oil, lubricants, gearbox oil, grease, etc. All these consumables are not covered under your comprehensive bike insurance plan, and you can obtain an additional cover for them.

    During the rainy season, these can be easily damaged and might create a hole in your pocket. Hence, you can opt for consumables cover and protect yourself from paying money for these.

Other Tips to Protect Your Bike During Monsoon Season

Let us tell you some other ways that can help you keep your bike on track during the monsoon season-

  1. Keep Chains Lubricated

    Driving on Indian roads during monsoon has become a challenge for motorists as the roads are riddled with potholes and puddles. Therefore, you must take care of your bike and its movable parts like a chain. Chains are vital parts, and you need to keep them lubricated so, they do not get jammed on the road.

    Since the chain of the two-wheeler gets rusted as the water reaches them easily, it is important to lubricate them with grease and engine oil. The chain of two-wheelers requires lubrication after every 500 km and needs servicing to keep them in good condition.

  2. Check Tyres Grip

    In the rainy season, the bike's tyres are more prone to skidding and lead to accidents. Therefore, it is recommended to check their grip and ensure that they are in good condition. If they are old, you must replace them with new ones.

    Check the Condition of the Engine & Brake Pads

  3. Since the engine is not covered in your comprehensive bike insurance policy, so it is crucial to keep it clean & in good condition. In the rainy season, the roads get muddy, and a splash of the wet mud sticks below the engine can ruin it immensely. You should keep it clean as it is prone to get rusty if you do not clean that wet mud.

    Moreover, check your brake pads as the constant use of brakes reduces their efficiency, and the water makes the brake slip. Make sure that the grip of your brake pad is intact and has not been rubbed off due to constant friction on the rim of the tyre.


It is easy to purchase a two-wheeler but keeping it in a good condition is difficult. Since purchasing atwo-wheeler insurance policyis necessary, it is advised that you should purchase the required add-on cover for a bike to enhance the policy coverage and keep your bike safe during the rainy season.

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

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