Significance of Bike Insurance Add-on Covers during Monsoon
During the monsoon season, having add-on covers with your bike insurance becomes highly significant. These add-ons provide a range of benefits and can be selected based on your specific needs.
Some common add-ons include tyre protection cover, engine protection cover, roadside assistance cover, consumables cover, etc. By paying a nominal premium for these add-ons, you can avail yourself of various advantages while avoiding the burden of hefty expenses during claim settlements.
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-
Engine Protection Cover
An engine is the heart of any two-wheeler, and protecting it from several associated risks becomes essential. In addition, 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.
Pro-tip- If you live in a flood-prone area or a heavy-rainfall region, you must consider buying an engine protection cover for your bike.
You may also read- Engine Protection Add-on in Two-wheeler Insurance
Tyre Protection Cover
A tyre protection add-on for a bike is another valuable 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 cover saves you from incurring any unforeseen cost of repair or replacement during the monsoon.
These add-on covers include any labour 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.
You may also read- Tyre-protection Add-on Cover for Two-wheelers
Roadside Assistance Cover
A roadside assistance cover assists you if you are stuck in the middle of nowhere due to any technical issue or engine breakdown, especially in the monsoon season or if you are residing in a flood-prone area.
In roadside assistance or bike breakdown cover, you get plenty of aid if you get into trouble while riding your bike. It covers issues like flat tyres, battery issues, technical issues, mechanical & technical breakdowns, key replacement issues, emergency fuel assistance, taxi arrangement, accommodation cover, and pick & drop facility.
Since roads during the monsoon are worse than any other day, this add-on cover can rescue you during tough times.
You may also read- Roadside Assistance Cover in Two-wheeler Insurance
Consumables are those parts in a bike that need replacement after a certain period, such as nuts & bolts, screws, engine oil, lubricants, gearbox oil, grease, etc. Usually consumables are not covered under your comprehensive bike insurance plan, and you can obtain additional coverage.
During the rainy season, in case of any damage, the replacement/repair might create a hole in your pocket. Hence, you can opt for consumables cover and protect yourself from paying money for these.
You may also read- Consumables Add-on Cover in Two-wheeler Insurance
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 or if you live in a flood-prone area.
Keep Chains Lubricated
Driving on Indian roads during the monsoon has become a challenge for motorists as the roads are riddled with potholes and puddles. Therefore, you must care for your bike and its movable parts like a chain. Chains are a vital element of your bike; therefore, you must 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 quickly, it is essential to lubricate them with grease and engine oil. The chain of two-wheelers requires lubrication every 500 km and needs servicing to keep them in good condition.
Check Tyres Grip
In the rainy season, the bike's tyres are more prone to skidding and can lead to major accidents. Therefore, you must check the grip of your bike and ensure that they are in good condition. If they are old, you must replace them with new ones.
Check the Engine’s Condition & Brake Pads
Since any damage to your bike’s engine remains uncovered in your comprehensive bike insurance policy, 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 damp mud.
Moreover, check your brake pads as the constant use of brakes reduces their efficiency, and the water makes the brake slip. Ensure that the grip of your brake pad is intact and has not been rubbed off due to constant friction on the tyre's rim.
You may also read- 8 Bike Riding Tips for Monsoon Season
It is easy to purchase a two-wheeler, but keeping it in good condition is difficult. Since buying a two-wheeler insurance policy is 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.
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