Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

Two-Wheelers Add-on Covers: Meaning, Benefits, And Advantages

Published On Sep 22, 2022 10:00 AM By InsuranceDekho

Two-Wheelers Add-on Covers: Meaning, Benefits, And Advantages

There are a lot of uncertainties when you ride a two-wheeler every day on Indian roads. Also, this is something that a large number of individuals do every single day. The consequences of this can make your family and friends worry all the time. Even though you can't completely shield yourself and your two-wheeler from danger, you can reduce your exposure. 

Two-Wheeler Insurance add-on cover gives the vehicle driver and the two-wheeler an extra layer of protection in case of an accident by paying for the damages. It is important to get additional coverage if you need more protection than what is provided by the basic two-wheeler insurance policy. They can make a big difference to you when your claim is settled.

Two-Wheelers Add-on Covers: Meaning, Benefits, And Advantages

The Meaning of a Two-Wheeler Add-on Cover

When you buy insurance for a two-wheeler in India, you can choose from three basic types. Mandatory third-party insurance takes care of third-party liabilities. There are both "standalone" plans that only cover your own damage costs and "comprehensive" plans that cover both for a single premium. 

Add-on covers, on the other hand, are extra covers that you can choose to buy. This means that you can't buy them separately. Instead, you have to buy a separate "own damage" cover or a "comprehensive" cover to get them. Also, they come with an extra cost that is further added to your total premium.

Coverage Benefits of Two-wheeler Add-on Covers

The following are the benefits:

  • Added Protection: Even while comprehensive bike insurance provides a lot of protection, it isn't adequate on its own. You can get extra coverage by renewing your comprehensive plan once a year and paying for any add-on coverage that you choose.
  • Increased Bike Life: There are many kinds of add-on covers. But their key benefit is that most of them help you extend the life of your bike. With extra covers, you can extend the life of your bike's engine.
  • Increase Resale Value: Since add-on covers extend the life of the engine and, in turn, the life of the bike, they also help you increase the value of your bike when you want to sell it. Your Two-wheeler stays in good shape because it has add-ons.
  • Pays for Repairs: Add-on covers also give you financial assistance for repairing your bike and also aid you in paying for bike parts, both of which are typically not covered in a solo comprehensive bike insurance plan. Add-on coverage can help you pay for these expenses.

Practical Advantages of Two-wheeler Add-on Covers

The advantages of Two-wheeler Add-ons are as follows:

  • Help in an Emergency

When something bad happens, policyholders need someone to help them and more insurance to cover their damages and losses. With add-on coverage that the insured person chooses, they can expect more than just the standard coverage in the event of breakdowns, mishaps, etc.

  • Enhanced Savings

With some add-on covers, bike insurance policyholders can get more protection and compensation than they would with a standard comprehensive plan. It makes it so that the policyholder has to pay less or nothing out of pocket for damage or loss to the insured bike. In the end, you'll save more money if you can get more coverage for less money.

  • Clarity of Mind

When policyholders buy add-on covers, it gives them a lot of peace of mind while driving. Because riders know they have the insurance company's back and the resources they need in the event of an accident, they are more likely to take risks on the road when they have the peace of mind that comes from purchasing optional coverage.


The add-on covers are extra coverage that every policyholder can buy and use for a small additional premium. Different add-ons have multiple advantages, but overall, they help policyholders a lot by giving them help, money, and peace of mind, among other things. Choose add-on wisely according to your means and requirements, and make the most of your time behind the wheel.

Also Read: 

Advantages Of Reliance Bike Insurance

Benefits of bike insurance for female riders


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.
must dotmust graphics

Why to buy from InsuranceDekho?

  • Instant policy# within 5 mins
  • More than 45 lac happy customers
  • Claim Support available all 7 days of the week

People Also Read