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Accessories Cover for Two-wheeler Insurance

If your bike has extra high end non-electrical and electrical accessories, then you may want to get them insured too. With the help of this add-on cover, a policyholder can ensure coverage against any kind of loss or damage of those costly accessories. To make this happen, the insured needs to give the estimate of total cost of the accessories in their bike at the time of buying the insurance plan.

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The accessories provide enhanced protection to your bike, but they also increase its value due to their own costs. Therefore, if your bike is studded with expensive and quality electrical and non-electrical accessories, you might wish to insure them too as they are the most vulnerable items when your vehicle faces any accident or mishap. However, no standard bike insurance policy either a standalone own-damage bike insurance plan or comprehensive bike insurance plan offers any protection to the accessories of your bike against damages.

Nevertheless, you can secure your bike’s accessories by including a bike insurance add-on cover known as Accessories Cover. To get this add-on cover, you just have to pay a little extra premium amount to your two-wheeler insurance provider and you can find a cover against any damage incurred by your valuable accessories such as Bluetooth devices, fancy lights, seat kit, and so on.

What is an Accessories Cover in Bike Insurance?

The Accessories Cover is a bike insurance add-on cover that you can buy and avail only with standalone own-damage and comprehensive bike insurance plans. This cover offers you coverage for the damages sustained by the accessories attached to your vehicle. However, to get this additional protection cover, you need to give an estimate of the total cost of the accessories, your bike is equipped with while purchasing the bike insurance policy.

Who Should Buy Accessories Add-on Cover in Bike Insurance?

The Accessories bike insurance add-on cover is advised to be bought by all the bike owners. But it is highly recommended for the following:

  • People who own a new bike equipped with new accessories.
  • Bike riders who have fitted the advanced accessories in their bikes.
  • Those who ride their accessories equipped bike in an accident-prone area.

​Why is it Important to Have Accessories Cover along with the Comprehensive Bike Insurance Policy?

Accessories add-on cover is important in case you have modified your bike or in case it has any extra accessories fitted on it. These additional accessories include helmet lock, riding gear, bike cover, smartphone USB charger, etc. All these additional accessories are not covered under a basic two-wheeler insurance plan. Therefore, it is important for you to opt for an accessories cover add-on in case your vehicle has high-end non-electrical and electrical accessories.

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Accessories Add-on Cover in Bike Insurance FAQs

  • I want to include an accessories add-on cover in my bike insurance plan, when can I buy it?

    You can opt for the accessories add-on cover either while purchasing the bike insurance plan or at the time of policy renewal process. However, as you already have a bike insurance cover, hence, you can add this cover while renewing your policy.

  • What kind of accessories get coverage under this Accessories add-on cover?

    The Accessories Cover offers the coverage for high-end electrical and non-electrical accessories attached to your bike which may include seat handle, leather seat, LED lights, and so on.

  • Can I include this accessories add-on cover in my third party bike insurance policy?

    This add-on cover can be included only with the comprehensive and standalone own-damage bike insurance plans. Therefore, you can not add this additional coverage in your third party bike insurance cover.

  • Can I include any other add-on cover in my bike insurance policy along with this accessories add-on cover?

    Yes of course. You can include as many add-on covers as you want Accessories Cover to your standalone own-damage bike insurance plan or comprehensive bike insurance policy without any hassle.

  • Do I need to pay for any additional charges to avail this accessories add-on cover?

    Yes, you will have to pay an additional premium amount in addition to the premium you pay for your standard bike insurance plan to include this cover in your plan and to avail it.

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.