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How Does two wheeler Insurance Help During Natural Disasters


Written by Sharad Bajaj

Updated Apr 09, 2021

Natural disasters are dangerous and unpredictable. Most often they leave your two wheeler sustaining some form of damage, and it is wise to remain prepared to deal with this. Insurance is the way to protect yourself against potential financial liabilities arising from a natural disaster.

Natural disasters are devastating and unpredictable events. They can lead to a considerable loss in your property or damage to your possessions, as well as personal injuries. One of the most devastating losses can be the financial liabilities arising from damage to your two wheeler, which is surely one of your most prized possessions and not something you would want to allow to come into harm’s way. Due to the uncertain nature of natural disasters, it is best to do what we can to ensure some sort of protection for our vehicle, to ensure that we would not have to pay for damages out of our own pockets. This is where insurance comes in. It is recommended that you take up a comprehensive two-wheeler insurance policy to give yourself the best protection against natural disasters or other unfortunate scenarios.

How Does a Comprehensive Two Wheeler Insurance Policy Help During Natural Disasters?

A comprehensive two-wheeler insurance policy will offer coverage for natural disasters and thus you would not need to buy separate coverage for each one. It is extremely beneficial to purchase a comprehensive two wheeler insurance policy as it would cover all the different types of damage that you may incur. For example, if your vehicle sustains damages to its accessories as well as its engine, perhaps due to flooding, a comprehensive two wheeler insurance policy would offer coverage for the repairs of both, saving you considerable out of pocket expense.

What are Add-Ons and How do They Help in Natural Disasters?

Add ons are additional coverages that you can purchase to strengthen the coverage of your standard comprehensive insurance policy. It is through these that you can achieve the wide coverage that comprehensive insurance is associated with. Let’s read about some add-ons that are particularly beneficial for natural disasters.

1. Engine Protection Cover: Engine protection cover offers coverage for repair for your engine if it sustains damage, for example due to flooding or being submerged in water. This could be leakage of lubrication fluid, loss of engine parts, or more.

2. Consumables Cover: Subject to different terms and conditions for each insurance policy, this would cover the consumables for your two-wheeler, including fuel filter, break oil, etc. which can get severely damaged in a flood or other natural disaster.

3. Zero Depreciation: This is especially beneficial for a natural disaster because a lot of damage can occur, incurring a high cost and perhaps even requiring the replacement of parts. Without this add-on, the compensation from your bike insurance company would deduct the depreciation in value of your two-wheeler over time, whereas this add-on entitles you to the full value, saving you from paying the difference out of your pocket.

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When it comes to protecting your two wheeler in situations such as natural disasters, comprehensive insurance is heavily recommended. It can allow you to strengthen your policy with add ons and protect you from the financial liabilities of different damages that may occur to your two wheeler in a natural disaster.

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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