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Advantage of Add-on Covers in Two-wheeler Insurance Policy


Written by Sharad Bajaj

Updated Oct 05, 2020

Advantage of Add-on Covers in Two Wheeler Insurance Policy

When it comes to two-wheeler insurance, getting compensation damages are not enough sometimes. When you get into trouble midway due to the breakdown of your bike or scooter at some unknown location, a rescue team is required by you more than financial assistance. On this note, every insurance company offers you some add-on covers to extend its support to you more than just offering compensation for damages or losses. These add-on covers can only be availed only with a standalone own-damage insurance policy and comprehensive bike insurance policy by paying an additional amount of premium. To take advantage of add-on covers, you need to understand them first.

What Are the Add-on Covers For Bike Insurance?

The Add-on Covers for two-wheeler insurance, as the name suggests, is an extra coverage offered to the policyholders by the insurance companies for their two-wheeler insurance plan. The policyholders can buy them and include in their plans at the time of purchasing the insurance plan or while renewing it. Policyholders are required to pay a little extra premium to enjoy the add-on covers along with their standard comprehensive insurance plan.

These covers are designed to help policyholders in different adverse situations which emerge with their insured two-wheelers.

What Are the Types of Add-on Covers For Two Wheeler Insurance?

The add-on covers are of different types which offer extended support to policyholders with comprehensive bike insurance policies. Below is the description of some popular add-on covers:

1. Zero Depreciation Cover

Generally, the bike owner's bear the cost of depreciation and replacement of spare parts after an accident or a mishap. But, with the inclusion of Zero Depreciation Cover in your bike insurance policy, these costs will be covered by the insurance company. This add-on offers coverage for the repair costs of rubber, plastic and fibre components of a two-wheeler. Policyholders can get this cover by paying an additional premium amount.

2. Roadside Assistance Cover

Policyholders might get their repair expenses compensated for accidental damages with a bike insurance plan, but do not find instant assistance at the spot, which can leave them stranded at an unknown location. But with the Roadside Assistance Cover, insurers help policyholders in situations where they need help on the road or anywhere else with their two-wheeler. The services under this add-on cover hold many benefits such as minor repairs, towing facility, taxi service, fuel delivery, battery jump start, etc.

3. Engine Protection Cover

A regular comprehensive bike insurance plan covers only the damage expenses incurred by the insured bike after an accident. But with the Engine Protection Cover, policyholders become eligible to get the coverage for consequential damages sustained by the bike's engine after an accident. Also, this add-on cover covers the damages which may arise due to leakage of lubricating oil or when water enters the engine due to natural calamities or any other situation.

4. Return To Invoice Cover

Nobody could judge the intensity of an accident and in some cases a mishap can lead two-wheelers to be destroyed beyond repair. This is certainly a nightmare for every bike owner to get his bike stolen or get it in an irreparable condition. But, Return To Invoice add-on cover can assist in even such extreme cases by making the insurance provider to refund the complete value of the bike or scooter as printed on the invoice. It could help you receive a good amount back and encourage you to buy a new bike.

5. No Claim Bonus Protection

The NCB cover is a reward given by insurance companies to its policyholders for not making any claim in a policy year. It ranges between 20% to 50%, as accumulates with every claim free year. But, this benefit gets lost on making even the smallest amount of claim due to a collision. For such situations, the No Claim Bonus Protection Cover is designed to keep your NCB component active even if you aim during the policy period.

Besides these, many more add-on covers are available such as Consumable Cover, Tyre Damage Cover, Personal Accident Cover and so on. Policyholders can opt for any of these as per their budget and requirements. These covers give much more to insured persons than it looks like.

Advantages of Add-on Covers in a Two-Wheeler Insurance

The policyholders are benefitted by add-on covers in different ways some of them are given below:

Peace of Mind

After the purchase of add-on covers, the policyholders get a huge relief while driving. With the extended support from the insurance company, the bike owners tend to drive more confidently as add-ons ensure a better amount of compensation, extended emergency support and so on.

Emergency Assistance

During an unfortunate incident, policyholders need someone for help and additional coverage for damages and losses. With add-on covers, picked by the insured person, more than just a standard coverage can be expected in case of accidents, mishaps, breakdowns, and so on.

Increased Savings

With some add-on covers, policyholders can earn more amount of coverage and compensation than their standard comprehensive bike insurance plans. It makes the policyholder spend less or nothing from his pocket against the damages or losses incurred by the insured bike. Ultimately, the more coverage at affordable prices leads you to save more money.

Take Away

The add-ons covers are additional coverage which every policyholder can own and avail by spending a little extra premium. Different add-ons are studied with different benefits, but overall, it brings a huge relief for policyholders in several ways such as assistance, savings and peace of mind. Do opt for add-ons based on your budget and needs and enjoy driving to the fullest.

Also Read:

Insurance For Second Hand Two Wheeler Explained

Impact of IDV On Renewing Two Wheeler Insurance Explained

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.


Written by Sharad Bajaj

Sharad is an insurance industry veteran who has managed motor insurance products for over a decade. Read More

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