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Know How Add-on Covers Add Value in Two-wheeler Insurance

Updated On Nov 02, 2020

Add-on covers are available to you as a means of strengthening the protection of your bike or two-wheeler insurance and to add value to the coverage that you have. Know how add-on covers add value in two-wheeler insurance.

Additional Covers or Add-on covers are available to you as a means of strengthening the protection of your bike or two-wheeler insurance and to add value to the coverage that you have. They are available alongside standalone own-damage insurance policies as well as comprehensive insurance policies. At an additional premium, you are able to avail of additional covers which will allow you to protect yourself in a variety of different scenarios and tailor your policy to your needs.

What are the Different Types of Additional Covers?

Let’s read about some of the popular add-on covers that you can purchase alongside your two wheeler insurance.

1. Accessories Cover

If your bike or two wheeler has expensive non electrical or electrical accessories attached to it, it is a good idea to purchase additional coverage in order to insure your accessories as well in case of damage sustained during an accident or other situation. In order to do so, you would need to provide the estimated total cost of purchasing the accessories to your bike insurance company. This is especially beneficial as an add-on coverage if you have expensive accessories on your bike that you would like to protect.

2. Medical Cover

Medical expenses arising from an accident can be extremely expensive and can create additional financial hardship on top of the trauma of enduring an accident. This is why medical cover is an important add-on, offering coverage for any medical expenses arising in an accident involving your bike or two wheeler.

3. Zero/Nil Depreciation Cover

After any damage incurred by your two wheeler which requires the replacement of parts in your vehicle, the insurance company would compensate you only for a depreciated value of those parts and not the actual cost of purchasing them. With this add-on cover, you would be able to avoid having to pay the depreciation value from your own pocket and would be compensated for the cost of purchasing new parts entirely by the insurance company. This add-on cover is beneficial to all two wheeler owners.

4. Passenger Cover

In a standard insurance policy, there would be compensation payable in the case of death or disability of the driver of the two wheeler. However, the pillion rider is also equally at risk and not covered by the standard policy. This is why this add-on is extremely beneficial. It extends the coverage to the pillion rider as well and ensures compensation in case of their death or disability. This is extremely beneficial if you ride alongside passengers.


Additional covers or add-ons are an easy way to add value to your two-wheeler insurance. They will strengthen your insurance and allow you to customise your coverage to your needs, and give you protection from a variety of undesirable scenarios that may go unprotected in a standard insurance policy.

You May Also Like To Read:

Two Wheeler Insurance Renewal

Zero Depreciation Two Wheeler Insurance

NCB in Two Wheeler Insurance

RTI in Two Wheeler Insurance

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Roadside Assistance in Two Wheeler Insurance

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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