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Two Wheeler Insurance For Sports Bike Explained


Written by Sharad Bajaj

Updated Oct 23, 2020

Why regular two wheeler insurance is not sufficient for your sports bike alone? Sports bikes require different two-wheeler insurance than average bikes.

Sports bikes have gained increasing popularity over the years among youth. While enjoying the ride on your favourite bike, it is essential to ensure that you are prepared for any unforeseen event. Getting your sports bike insured is the first and foremost safety measure. However, sports bikes are a bit different from regular bikes. Hence, it is important to know whether a basic insurance policy will be enough to secure your superbike in case of an accident or not.

Is Regular Insurance Enough For A Sports Bike?

Sports bikes are much costlier than ordinary bikes. Hence, the cost of repairing them can be quite a burden. A basic insurance policy may not provide complete coverage for your sports bike. Thus, if you have a sport bike, you should opt for a comprehensive bike insurance plan with required add-on covers for holistic coverage.

Bike Insurance Add-ons Which Should Be Opted For A Sports Bike

Basic two-wheeler insurance policy often excludes some covers which are necessary, especially if you own a sports bike. Combining the basic policy with some add-on covers can provide the desired financial assistance to you and to your sports bike when the need arises. Here are some add-on covers that can be beneficial for your sports bike.

1. Roadside Assistance Cover

If you meet any accident while on the road or if there is a simple matter of flat tyre, this cover will provide you assistance. With this cover added to your comprehensive plan, roadside assistance in two wheeler insurance is just a call away. You do not have to look for a garage or service center. You can contact your insurer and get all the help you need, from spot repairing to towing service.

2. Zero Depreciation Add-on Cover

Under regular bike insurance, the insurer deducts an amount equal to the current market price of normal wear and tear of the bike and reimburses the remaining amount during a claim. Due to the depreciation, you may not get the maximum financial assistance for repairing your bike. However, if you own a nil depreciation cover, you can get the full claim amount without any depreciation when you meet any accident.

3. Engine Safe Cover

Engine safe cover pays for any expense incurred due to mechanical or electrical breakdown of the engine caused by water ingression, oil leakage etc. It covers damage incurred to the gearbox as well. Sports bikes have high chances of facing such breakdowns. Hence, getting an engine safe cover along with a comprehensive cover can be helpful for your pocket.

4. Tyre Damage Cover

Tyres carry the total weight of your vehicle. Keeping them in good shape is hence essential, especially when it comes to a sports bike. A tyre damage add-on cover can be helpful in this scenario. It bears the expense of repairing and replacing tyres.


Sports bike requires special maintenance and the best way to ensure its security is by having a comprehensive two-wheeler insurance policy with the required add-on covers. You cannot prevent the mishaps, but you can be well prepared to deal with them when you are insured!

Types of Bike Insurance You Should Know:

Third Party Two Wheeler Insurance

Comprehensive Two Wheeler Insurance Policy

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Two Wheeler Insurance Add-ons

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How to Get Duplicate Two Wheeler Insurance Copy Online

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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