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Bike Insurance Advice For Owners Living In Flood Prone Cities


Written by Sharad Bajaj

Updated Mar 20, 2021

When you live in a flood prone city, you would often be worried about your two wheeler and the damage it may sustain due to flooding. Read on to find out how you can give it some added protection through your insurance policy.

As a bike owner in a city prone to flooding, you may be often worried about the fate of your precious bike if a natural calamity such as a flood should befall you and damage your two wheeler. You may have often heard advice about how to best protect your bike in such situations. One such method is making sure that the insurance policy you have selected for your bike is robust, as well as tailored to your specific circumstances of being in a flood prone environment and thus protecting from damages that may arise due to flooding. Let’s read about some of the pieces of advice regarding bike insurance that will come handy for you in a flood prone city.

Bike Insurance Advice For Owners Living In Flood Prone Cities

Bike Insurance Advice For Owners In Flood Prone Areas

The following are some insurance covers and insurance policies that you should consider strongly if you live in an area where flooding is common:

1. Purchase Comprehensive Bike Insurance

You may be wondering why third-party coverage is not enough. In fact, third party insurance only covers your liabilities arising from damage to other individuals, that is, third parties, involved in accidents or collisions with your vehicle. When it comes to damage to your own vehicle, or protection in scenarios that do not involve a third party, you will require comprehensive bike insurance. Comprehensive insurance will protect you from financial losses in case of natural calamities such as flooding. It is thus highly beneficial, especially if you live in an area prone to floods.

2. Tailor Your Policy With Add Ons

Another benefit of comprehensive insurance is that it allows you to purchase add ons at an additional premium. Add ons are additional coverages that you can purchase alongside comprehensive insurance that allow you to protect yourself in scenarios that may not be covered by standard comprehensive insurance. They allow you to make your coverage more robust and also tailor it to your specific needs. Read about some add ons that are useful for bike owners in flood prone cities:

  • Engine Protection Cover

Engine protection cover will give you coverage in case of damage to your engine. In a flood-prone environment, your engine is likely to face water damage which can be financially burdensome to you. Engine protection cover will protect you from this loss.

You May Also Like To Read: Bike Engine Protection Cover Add On

  • Roadside Assistance Cover

Roadside assistance cover allows you to reach out for help to your insurance company in case of an emergency. It is useful to have in case of a mechanical breakdown of your car, or other emergency situation.

You May Also Like To Read: Roadside Assistance Add On Cover In Two-wheeler Insurance Explained

  • Consumables Cover

Consumables cover will protect you in case the consumables in your two wheelers are rendered unusable due to damage from flooding.


Living in a flood prone area can be a risk as a two wheeler owner, but you can protect your vehicle. Do so by being smart about the insurance policy that you avail of and strengthen your coverage with add ons, to ensure robust protection.

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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