United India Two Wheeler Insurance Add on Covers

Add-on covers in two-wheeler insurance refer to additional coverage that may be bought to enhance the coverage of a basic policy for an additional fee. These add-ons can be availed with a comprehensive bike insurance policy as well as a standalone own-damage bike insurance policy. The policy coverage extension helps the policyholder deal with various situations with ease.

Talking about bike add-on covers, they come in a wide variety to choose as per your needs and budget. The add-ons work as a helping hand in enhancing your policy coverage so that you can get complete protection. Here let's know more about the add-ons offered by United India to bike owners. 

United India – 3 Important Add-on Covers For Your Bike Insurance Policy

The United India General Insurance will provide you with extended support in case of bike damages or losses, emergency assistance, etc. The description of essential add-on covers of United India two wheeler insurance are shown below:

• Nil Depreciation Add-on Cover without Add-on Excess

Depreciation is the value that an insurer deducts from the claim amount at the time when you file a claim. It is deducted for the usual wear and tear of your two-wheeler that your insurance usually doesn’t cover. In such cases, you have to bear the cost of repair of the damages incurred due to depreciation. This sometimes strains your budget and often leads to long-standing expenses. The nil depreciation cover helps you in the case of a partial loss claim for your bike repair. In such cases, no depreciation will be imposed to give you the amount of the claim. You can avail this cover by paying some extra premium along with your basic premium. However, you cannot add this cover to a third-party insurance policy. You need to have a comprehensive or standalone policy to buy this add-on.

• Return to Invoice Cover

If your two-wheeler sustains the total loss or constructive total loss due to a mishap or accident, in such cases, the United India Insurance will pay you the difference between the Insured's Declared Value (IDV) value and the actual invoice value of your bike , including prices of accessories. With this add-on cover, the insurance company reimburses the exact invoice value of your bike mentioned in the policy document rather than current market price. Thus, it helps the policyholder to get the maximum reimbursement during claim settlement. 

• Engine and Gearbox Protection

This engine and gearbox protection add-on will cover any loss or damage to your motorcycle's engine and/or gearbox during an accident. Damages to the engine and/or gearbox or their parts caused by water infiltration or being submerged or halted in a waterlogged location and lubricating oil leaks caused by external accidental means will be covered. Not having this add-on can again lead to huge expenses as you will have to pay for the repairs and replacement of your engine or gearbox in case they get damaged for some reason.