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Popular Add-on Covers for Sports Bike


Written by Sharad Bajaj

Updated Mar 20, 2021

A sports bike implies tremendous speed, agility, and aesthetic appeal. But there are also tremendous risks associated with a sports bike. Thus, it is important to top up the comprehensive bike insurance with specific add-ons to expand its coverage.

Owning a sports bike is a dream come true for many youngsters. To enhance its safety quotient, many people take comprehensive insurance for a sports bike. But as sports bikes are special, it is inherent to include several add-ons for sports bikes to make it more powerful and safe to ride on the road.

Popular Add-on Covers for Sports Bike

Benefits of Comprehensive Insurance For Sports Bikes

Sports bike require additional coverage than an average bike for the following reasons,

  • A sports bike is more costly than an average bike. Wide insurance coverage is required to safeguard their property.
  • Two-wheelers are prone to a higher risk than cars and other vehicles.
  • It is mandatory to have insurance for the bike, as mandated by law.
  • Two-wheeler insurance with add-ons renders extensive coverage with optimal benefits at a nominal cost.

Popular Two Wheeler Add-on Covers with Insurance

While looking to get the two-wheeler insured, it is important to look for a comprehensive package with suitable add-on covers as the sports bikes are costly and their repair parts can also be financially worrying. Some of the most popular two-wheeler add-on insurance covers are as follows:

1. Personal Accident Cover

The risk of serious injuries to the rider and also the passenger at the pillion is very high in sports bikes. Thus having a personal accident cover rider with the bike insurance can render excellent financial cover in the event of road accidents. The rider also covers partial or complete disability incurred in an accident.

2. Cashless Hospitalization Medical Cover

Cashless hospitalization add-on cover can help the families of the bike riders with unexpected medical costs. With just a slightly higher premium, it will be possible to render a financial backup for unforeseen circumstances. This rider prepares the owners of sportbikes to encounter emergencies and enjoy complete peace of mind.

3. Zero Depreciation Cover

If at all, a sports bike encounters an accident and incurs damages, the expenses for replacing the damaged parts are not recovered completely, owing to the depreciation value applied to them. A zero depreciation cover will make the insurer liable to pay the full claims and will cover the repair and replacement of the plastic, fiber, and rubber components of a vehicle.

4. Pillion Rider Cover

The rider at the pillion is equally prone to accidents when riding a sports bike. There are the ones who could encounter serious injuries, which might at times even turn fatal. Thus, a personal accident cover for the pillion can be of much help to seek compensation for the medical expenses of the pillion, in case of accidents.

5. Daily Cash Allowance Cover

According to this add-on, the bike owner can get a daily allowance, if the vehicle remains in the garage for more than four days. This helps to cover the daily commute charge when the vehicle is not in use.

Bottom Line

There are also add-on covers available for sport’s bike accessories and their electrical and non-electrical components with a slight additional premium. Thus, with the help of these bike insurance add-ons, it is possible to enhance the coverage of the motor insurance policy with a slight additional Bike Insurance premium.

Also, Read

Two Wheeler Insurance For Sports Bike Explained

Common Mistakes While Filing Third-Party Bike Insurance Policy

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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