6 Two Wheeler Insurance Add-on Covers That You Should Consider

When you buy a two-wheeler insurance policy, you are protected from accidental events that could result in significant financial losses. Although basic insurance coverage is provided by comprehensive two-wheeler insurance plans, adding optional riders or add-on covers can greatly expand the amount of protection provided to you.
For most bike insurance plans, most insurance providers provide add-on coverage. Each add-on cover has its own set of benefits, giving you the freedom to choose only those that would meet your specific insurance requirements. In this blog, I am going to share with you the top 6 add-on covers that you should consider while buying bike insurance.
Personal Accident Cover for Pillions: When you add a personal injury cover for pillion to your motorcycle insurance policy, your financial responsibility in the event of an accident involving the pillion rider is greatly reduced. This optional rider covers the pillion rider in the event of death or permanent or partial disability.
Roadside Assistance: If you purchase the roadside assistance add-on cover, you will be able to get roadside assistance at any time in the event of a mechanical failure or vehicle breakdown. This add-on cover provides services such as free towing, urgent repairs, and more, and it is particularly useful when travelling to a remote location where assistance can be difficult to come by.
Accessories Cover: This add-on cover will protect all of the two-wheeler's accessories whether they are electrical or not. If any of the vehicle's accessories is harmed, this bike insurance additional cover will be responsible for the cost of repair or replacement.
Consumables Cover: When it comes to getting refunds for costs such as nuts, bolts, engine oil, and other consumables, the consumable cover can be extremely useful. Since consumables are not protected by standard two-wheeler insurance plans, buying this optional rider ensures that you are covered financially for the aforementioned expenses.
Zero Depreciation Cover: If you buy a liability-only insurance policy or a comprehensive two-wheeler insurance policy, neither will cover the entire claim sum. The insurance company deducts depreciation and then pays out the remaining sum. When you add zero depreciation cover to your bike insurance policy, the depreciation factor is removed, and you are responsible for the full claim sum.
Daily Cash Allowance: For those who commute exclusively on two wheels, the daily cash allowance add-on cover is perfect. If your bike is badly damaged and is being repaired at a garage, you may have to ride without it at your own cost. When you add daily cash allowance add-on cover to the two-wheeler insurance policy, your insurer will pay you a certain amount every day to cover your travel expenses.
So the next time you go for the purchase of bike insurance or renewal , make sure that you consider these add-on covers.