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Exploring Add-On Covers Of Two-Wheeler Insurance

Updated On Jul 16, 2021

Two-wheeler insurance add-on covers are optional coverages that can be purchased with both comprehensive and standalone own-damage policies. The two-wheeler insurance add-on covers come at a cost, but they're well worth it because they expand the coverage of a basic plan.


Two-wheeler insurance add-ons are like icing on the cake, strengthening your two-coverage. wheeler's Along with two-wheeler insurance plans, there are a variety of two-wheeler add-on covers to choose from. Zero depreciation, passenger assistance cover, are a few of them.

Exploring Add-On Covers Of Two-Wheeler Insurance

Exploring Add-On Covers Available With Two-Wheeler Insurance

Below is a list of two-wheeler insurance add-ons that you can buy online:

Two-wheeler insurance add-ons are available from one two-wheeler insurer to the next. A general insurance company may offer the following add-on covers in two-wheeler insurance to its customers: 

  • Zero Depreciation Cover

Depreciation is a natural process that occurs as years pass. The burden of bearing the cost of a two-wheeler’s depreciation rests on the vehicle's owner by default. A zero depreciation policy relieves you of the burden of carrying your vehicle's depreciation costs, allowing you to claim a larger amount.

  • Roadside Assistance Cover

When you get stuck in the middle of a road or highway due to a mechanical breakdown or glitch in your two-wheeler, roadside assistance is included in your two-wheeler insurance policy. The optional cover protects you in the event of a flat tyre, fuel delivery, car towing, battery drain, and on-site minor repairs, among other things.

  • Engine Safe Cover

Engine Protection protects the policyholder financially in the event of a damaged engine or parts that need to be repaired. This add-on cover is a must-have if you're staying in a flood-prone area.

  • Return To Invoice

Return to Invoice coverage ensures that the policyholder receives the full invoice price of their car in the event of a total loss, a Constructive Total Loss (CTL), or theft.

  • No Bonus Protection Claim

The NCB covers are a reward for not filing a claim with an insurance company during a policy year. As each claim-free year accumulates, the percentage ranges from 20% to 50%. However, when an accident results in even the smallest claim, this advantage is lost. In such situations, your NCB portion will still be intact if you use the No Claim Bonus Protection Cover during your policy period.

  • Daily Allowance

When the two-wheeler is lost or out for repairs, the policyholder receives a daily allowance from the insurance company if they choose this add-on.

  • Coverage for Damaged Tires

Tyre Protection Add-On in two-wheeler insurance covers damages such as tyre puncture or bursting, in-tyre bulge, tyre cut due to an accident, and so on.

Benefits of Two-Wheeler Add-on covers

The following are some advantages of purchasing two-wheeler insurance add-on coverage:

  •  Additional Security

Besides your existing basic two-wheeler insurance policy, two-wheeler add-ons offer additional benefits to your car.

  • Peace Of Mind

Two-wheeler owners benefit from add-ons because they offer more coverage and compensation. As a result, you'll have peace of mind and a stress-free driving experience.

  • Assists With Personalization

Two-wheeler insurance add-ons allow policyholders to tailor their insurance policies to their specific needs.

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.

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