HomeAutomotiveAre Bike Insurance Add-ons Worth Buying?

Are Bike Insurance Add-ons Worth Buying?

An essential component of owning a two-wheeler is having two-wheeler or bike insurance. Comprehensive insurance for bikes has become vital due to the rise in traffic accidents. The basic insurance plan covers third-party liability and damage to your bike in the event of an accident. But, many insurance providers also provide “add-ons,” which are additional advantages and options for coverage.

This article will explore the various bike insurance add-ons available and whether they are worth buying.

Understand Your Bike Insurance Requirements

Understanding your insurance needs is essential before deciding whether to purchase insurance add-ons. You can figure out how much coverage you need for your bike using a bike insurance calculator. After determining your insurance needs, you can assess the various add-ons and choose the ones you require.

Online Two-Wheeler Policy

The convenience of purchasing bike insurance online, from companies like Tata AIG has made the process much easier. In addition, you can select from a comprehensive list of add-ons with online two-wheeler policy alternatives. It also saves time and effort to evaluate various insurance policies and add-ons from the comfort of your home when you purchase bike insurance online.

Popular Bike Insurance Add-ons

Some of the most popular bike insurance add-ons to think about include the following:

  1. Zero Depreciation Cover: In the event of an accident, this add-on will cover the entire cost of your bike, including its depreciation value. After deducting the depreciation amount, the bike’s value is only partially covered by the standard insurance policy. With a zero depreciation cover, you will not have to bear any financial loss in case of an accident.
  2. Engine Protector: This add-on covers any harm done to your bike’s engine, including leaks of oil or water. Bikes frequently suffer from engine damage, but this add-on guards against such losses.
  3. Personal Accident Cover: This add-on protects the rider’s injuries if sustained in an accident, often available for the rider and the pillion rider. If you need financial assistance because of hospitalization or disability from an accident, personal accident insurance may be able to help.
  4. Roadside Assistance: In case of a breakdown or an accident, this add-on offers 24-hour roadside assistance. It might be beneficial when you require prompt assistance in an emergency. Towing, fuel distribution, and battery jump-start are all included.
  5. Consumables Cover: This add-on covers the price of components necessary to repair your bike after an accident, such as nuts and bolts. The basic insurance policy does not cover such costs; this add-on can protect against financial losses.

Benefits of Bike Insurance Add-ons

  1. Increased Coverage Bike insurance add-ons provide increased coverage for your bike, including coverage for damages to the engine, personal accidents, and more. It can provide you with peace of mind, knowing that you are protected against various types of losses.
  2. Financial Support In case of an accident or breakdown, the bike insurance add-ons can provide you with financial support for hospitalisation, disability, or repairs. It can help you avoid financial losses and stress in an emergency.
  3. Convenience, like the roadside assistance add-on, can provide quick and convenient assistance in an emergency. It can save you time and effort, especially in case of a breakdown or accident in a remote location.

Cost of Bike Insurance Add-ons

Depending on the coverage and insurance provider, the cost of bike insurance add-ons varies, with some being relatively affordable and others being rather expensive. According to the coverage level, the price of a personal injury policy, for instance, might range from a few hundred to a few thousand rupees. However, because these add-ons offer more comprehensive coverage, covering pillion riders, accessories, and electronics may be slightly more expensive.

When choosing the right coverage, it’s only sometimes necessary to make the most expensive choice. You should utilize an online bike insurance calculator to estimate the cost of bike insurance add-ons. This tool will allow you to compare the different coverage options available from various insurance providers and determine the most affordable for your specific needs.


Bike insurance add-ons can be a valuable investment for those who want to ensure their motorcycle is protected in the event of an accident or theft. The cost of these add-ons will vary depending on the type of coverage and the insurance company offering the policy. Still, by using an online bike insurance calculator, you can find the coverage that fits your budget and needs.