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Add-On Covers in Two-wheeler Insurance Policy: Are They Required?

14 July 2022, 4:45 PM

Add-on cover is an additional feature that can be bought as an option for your two-wheeler insurance policy and covers a range of other perils that may not be covered under any regular two-wheeler insurance. These are optional items, which you can choose from or not, depending on your preference. If you decide not to opt for any add-on covers, your insurer will offer lesser coverage in case of a claim.

Getting an add-on cover is one of the best ways to protect your investment. This way, you get not only comprehensive bike insurance coverage but also get multiple product benefits in one place. Add-on cover gets added to your existing policy and covers you against accident, theft, and damage claims up to a certain amount. Apart from insuring your vehicle against physical damage, it also provides complete financial protection in case of damage or theft. You can integrate these add-on covers into your comprehensive or standalone own damage two-wheeler insurance policy. In short, we can say that adding on the cover is an affordable way of getting all types of covers in one place!

Everything You Need to Know About Two-wheeler Insurance Add-on Covers in India

You are leaving yourself open to financial disaster if you don't insure your motorcycle and scooter. Like it or not, accidents happen, and when they do, the costs can be staggering if you're unprepared. The good news is that you can easily protect yourself with the right two-wheeler insurance add-on covers. There are several two-wheeler insurance policy add-on covers available in India. Here we have listed some of the most popular ones.

Types of Two-wheeler Insurance Add-on Covers in India

Zero Depreciation Cover

A zero depreciation bike insurance cover does away with the need to pay the depreciation fees of your vehicle so that you can claim a larger portion. The majority of insurers only allow a maximum of two zero depreciation claims during the policy term.

Consumables Cover

Consumables cover bike insurance add-on provides coverage for accessories and supplies of a two-wheeler that are not usually covered in a typical insurance policy. These include spare items such as lubricants, tires, spark plugs, clutch cables, bearings, spark plugs, wiper blades, coolant, transmission fluid, washer fluid, oil, radiator fluid, water, gas, tire sealant, battery fluid, screwdriver, pins, nuts, and bolts.

Roadside Assistance Cover

Add-on roadside assistance for bicycles protects you if you get stranded in the middle of the road due to a mechanical problem or flat tire. You are also covered for fuel delivery, towing service, minor on-site repairs, etc.

Passenger Assistance Cover

With the help of the passenger cover bike insurance add-on, pillion riders will get insured against accidents. The compensation will be due if the pillion rider becomes disabled or passes away due to an accident.

Engine Safe Cover

An engine protection bike insurance plan covers you if your engine has an incident and requires repairs. You should apply for this add-on if you live in a flood-prone area.

When Should You Consider Getting Add-on Covers?

Adding add-on covers to your two-wheeler policy can help you save on costs in case of any mishap. You should opt for add-on covers, particularly if you're a new biker or your bike is not so old. But, how do you know when to get additional cover? Here are some instances when it makes sense to purchase an add-on cover:

1) If you have just bought a new bike, you should consider purchasing an add-on cover immediately.

2) If you want to protect yourself against bike insurance claims, choosing an add-on plan will enable you to do so at a minimal cost.

3) You should also consider getting an add-on cover if you frequently drive through high-traffic areas such as metros, tourist spots or industrial hubs.

4) If you plan to take long trips out of town, buying an add-on plan would provide much-needed protection during such journeys.

5) Finally, even if you don't think these scenarios apply to you, it is always better to be safe than sorry!

Apply for Two-wheeler Insurance Add-ons via Paytm Insurance

If you have a two-wheeler, you already know how important it is to invest in an insurance plan that covers you, your bike and its accessories. But how do you find an insurance policy that's right for your needs? Paytm showcases two-wheeler insurance plans and add-on covers that protect you in case of any mishap. So if you want to get on with your life without worrying about what might happen if something goes wrong while you're out on a ride, we have you covered! 



1. What does ADW do?

An accidental damage waiver allows you to claim reimbursement from your insurer if your bike gets damaged due to external force, such as a collision with another vehicle or hitting a tree branch while driving at high speed. 

2. What does PAC do?

Personal accident cover protects you financially in case of death or permanent disability caused by an accident while riding your two-wheeler. 

3. Does third-party two-wheeler insurance allow add-ons?

It does not! Third-party liability coverage helps pay for damages caused by your vehicle to someone else's property—for example, if you hit someone else's car and cause extensive damage, TPL will help pay for repairs. But you cannot buy add-ons, except the personal accident cover.

4. Do you require a two-wheeler insurance add-on cover in India?

This will depend on your type of vehicle and lifestyle. You might require it if you're looking for peace of mind against damages and losses not covered under the base insurance policy. The best way to avoid paying out of pocket for repairs is by getting add-on covers before any mishap occurs. It's possible to get annual and monthly policies depending on how much coverage you need. Also, check with your two-wheeler insurance provider whether it offers additional covers. 

5. What decides the premium of two-wheeler insurance add-ons?

The premium is dependent on the type of two-wheeler insurance add-on you buy and its terms and conditions.

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