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What Are The Add-Ons Available For Bike Insurance?

Updated On Aug 08, 2022

What Are The Add-Ons Available For Bike Insurance?

India is a unique country, in terms of culture among a lot of other things. And the same should be said for Indian two-wheeler riders. Yes, there are several sorts of bikers in India. Some bikers want to travel, while others like to seek the taste of adventure, and many others follow traffic laws and ride within speed limits.

Bike insurance is required in India regardless of the kind of rider you are. If you want all-around coverage, a Comprehensive Two-wheeler Insurance Plan is preferable over the obligatory Third-Party Policy. In addition, the Comprehensive Policy let’s one choose add-ons for greater coverage advantages based on riding style and insurance requirements. This article discusses bike insurance add-ons for several categories of two-wheeler users. Read on.

What Are The Add-Ons Available For Bike Insurance?

Bike Insurance Add-Ons Available For Bike Riders

As previously mentioned, there are several sorts of riders in the country. Depending on the type of two-wheeler one owns, their riding style will differ. For example, a person with a sports bike can ride at fast speeds, whilst a person with a scooter can ride at lower speed rates. Whatever one’s riding style, a Comprehensive 2-wheeler Insurance Plan offers comprehensive coverage for their vehicle.

Below are some of the listed factors regarding bike insurance add-ons -

  • Riding At Slow Speed Rates
  • You are a highly safe rider if you ride your bike/scooter at reasonable speeds and obey traffic laws. As a result, the chances of you being involved in an accident/mishap are minimal, and as a result, the possibilities of damage are slim.
  • Therefore, the Comprehensive Policy provides adequate coverage for your riding style, and you may not need to opt for any add-ons. The money you save by avoiding buying add-ons is your reward for riding safely.

Adventure Seeker

If you enjoy riding your bike great miles or exploring off-the-beaten-path, the Comprehensive Bike Insurance Plan might run short on the basis of coverage. When you tour on your motorbike, you will be travelling in a new location. However if your two-wheeler collapses in an unfamiliar region, finding help might be difficult. However, if you are a tourist or adventure rider, the following add-ons may be useful.

Outstation Emergency Coverage - This add-on will aid you if your two-wheeler collapses or is involved in an accident outside of a 100-kilometre radius of your home. The insurer is obligated to pay the value mentioned in the add-on protection if you acquire it. If you frequently go on lengthy bike/scooter journeys, the Outstation Emergency Cover add-on is useful.
Key Protect Over - Consider what would happen if you lost your bike key during a motorbike excursion. It will spoil your holiday and cost you more money. However, if you choose the Key Protect add-on the insurer will cover the expense of replacing the key if it is lost, damaged, or stolen. The add-on also covers the costs of repairing or replacing the lockset in the event of theft.

The Fast Rider

Riding a sports/high-end bike is thrilling because it offers a sensation of true speed. One can ride at great speeds if they have a two-wheeler. Sports motorcycles often have larger engines and higher-quality equipment, and any damages to those parts can cost a person a lot of money. A Comprehensive 2-wheeler Policy does not include all of the bike's components, and some forms of damage are not always covered. Therefore, the add-ons mentioned below come to someone’s aid at that time -
Engine Protect Cover - The engine is a critical component of someone's motorcycle, and the Comprehensive Policy doesn't really cover engine damage. This is where the Engine Protect cover for motorcycles comes in handy. If a person chooses this option, the insurer will bear the expenses of repairing/replacing engine parts. This add-on covers engine damage caused by leaks of engine oil/coolant and hydrostatic lock.
Consumables Cover - This add-on will pay for the costs of consumable supplies used during your two-wheeler's repair/service. The Comprehensive Bike Insurance Plan does not cover the cost of consumable goods including engine oil, coolant, nuts and bolts, and so on. However, if you choose the bike's Consumables Cover, the insurer will cover such costs.


A Comprehensive Bike Insurance Plan covers your two-wheeler extensively. However, there are certain policy exclusions. Based on a person’s riding style and the sort of two-wheeler they might own, one may purchase add-ons to fill that need.

Also read: How Is Your Insurance Coverage Affected By Your Bike?

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.
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