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Insurance cover for long bike rides

Published On Feb 17, 2023

Insurance cover for long bike rides

Long rides to hill stations are the best therapy. Indeed, a beautiful day and a breathtaking view of the mountains can instantly uplift your mood. Aside from this, a little fact that we are less aware of is that mishaps are beyond our control. As a result, damage and loss to your bike can put you in a financial bind. So, make sure that you pack a bike insurance policy with your luggage. It will guard you like a mother protecting her children. The bike insurance company will pay off all the repair costs incurred due to loss or damage to your bike. Continue reading to find out how to choose the best insurance for long bike rides. 

Insurance cover for long bike rides

What is an Ideal Insurance For Long Bike Rides?

Misfortunes will follow you wherever you go in the country. As a result, purchasing a comprehensive bike insurance policy will provide you with mental peace of mind, knowing that you are financially protected in the event of bike damage. In addition, you will also get protection against third-party property damage, injury, or death. Ideal motor insurance for long-distance riders should have the following features and benefits. 

  • Third-party Liability Coverage: 

It is mandatory by law to protect your two-wheeler with a third-party bike insurance policy. Any loss or injury suffered by a third party may result in financial consequences for you. If you’re covered under bike insurance, the insurance company will take care of your financial and legal liabilities that are towards a third party. 

  • Own-Damage Coverage: 

Third-party bike insurance is compulsory, but it does not guard you against the damages incurred by your vehicle. Therefore, during long rides, you’ll need a shield that will keep you protected from your own damage. 

  • Extensive Coverage: 

There are numerous bike insurance companies that provide add-on coverage along with a base plan. The policyholder can enhance the coverage of their bike insurance policy by paying an extra premium to purchase these add-ons. 

Factors To Consider While Purchasing Insurance for Long Bike Rides

Listed below are some of the parameters that you need to consider while purchasing bike insurance for long rides. 

  • Know Your Coverage Needs: 

You must ensure that you know your needs before purchasing a two-wheeler insurance policy. A comprehensive insurance policy is an ideal choice if you are travelling for long bike rides. It provides comprehensive protection against losses or damages occurring due to theft, accidents, or any other man-made or natural disasters. 

  • Check Insured Declared Value: 

The premium paid for a bike insurance policy is determined by certain factors. One of the primary factors is the approximate market value of the vehicle. When the vehicle is damaged beyond repair, the insurance company is liable to pay the IDV. You can either increase or decrease the IDV as per your preference. 

  • Check Add-ons:

Insurance companies provide add-ons like zero depreciation cover, engine protection cover, key protection cover, and more. Understand these add-ons and their usage in detail before including any of the add-ons in your standard bike insurance policy. 

  • Claim Settlement Ratio:

When choosing a bike insurance policy, always compare different companies on the basis of their claim settlement ratio. Choose the company with a higher claim settlement ratio to ensure a smooth and hassle-free claim settlement process. 

  • Engine Capacity of Bike: 

While calculating the insurance premium, bike insurance companies consider the engine capacity of the bike. The bikes with higher engine capacities would have to pay a high premium. Furthermore, the charges based on the two-wheelers cubic capacity are declared by the Insurance Regulatory and Development Authority of India (IRDAI)  


Long drives are pleasing but can also bring uninvited problems. Therefore, make sure that you buy a comprehensive bike insurance policy with the required add-ons to be ready for any mishap that may happen during your riding journey. 

Also Read: What Is Od And Tp In Bike Insurance?


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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