We all know how important a two-wheeler insurance is. Though a comprehensive two-wheeler insurance offers coverage for a two-wheeler, rider, and the third-party. But, adding a few add-on covers to your two-wheeler insurance policy can offer an extra layer of support. These add-ons are completely optional and can be availed by paying the little extra premium amount.
The most popular kind of add-on covers for comprehensive two-wheeler insurance are zero dept Insurance , passenger or pillion rider cover, accessories cover, medical cover, and engine protector.
1. Zero Depreciation or Nil Depreciation:
Most of the insurance companies don’t cover the cost of repair or replacement of depreciable parts, like, rubber, plastic and fibre components. If you want the cost of depreciation or spare parts to be included in your claim – you should buy a zero depreciation or nil depreciation bike insurance add-on. It comes at a small additional charge but can be totally worth as all two-wheelers depreciate.
2. Accident Cover for Pillion:
As the name suggests, this add-on provides personal accident coverage for the co-rider or the pillion rider at a nominal extra premium amount. You can get an accident cover for the rider in a comprehensive two-wheeler policy. However, the pillion rider on a two-wheeler is at equal risk in case of an accident. Hence, including an accident cover for pillion is a smart choice. This add-on covers partial or permanent disability or death of pillion rider while riding the insured two-wheeler.
3. Medical Cover:
Medical expenses can be costly, especially during an accident. This add-on can cover the medical expenses or treatments due to an accident on the insured two-wheeler. The add-ons can be added to your comprehensive two-wheeler policy by paying a little extra premium.
4. Accessories Cover:
Accessories are an enchantment and thus most of the two-wheeler companies don’t cover damages to accessories, be it electrical or non-electrical. So, if you have a two-wheeler with your choice of accessories added, we suggest opting for an accessories add-on. This add-on will cover the repair or replacement cost of your two-wheeler accessories. It comes with a nominal premium amount which can be added to your policy premium.
5. Engine Protector:
Any damage caused to two-wheeler’s engine is not covered under two-wheeler insurance policy. So, to cover the damages for your bike’s engine or gearbox – buy an engine protector add-on. With this add-on, you can claim the costs for leakage of lubricating oil, clogging water ingression. It will also cover any repair or replacement of crankshaft, pistons, gear shaft, connecting rods, etc.
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