Best Bike Insurance Add-ons in India | Enhance Your Two-Wheeler Coverage

Popular Add-ons in Bike Insurance Policy

1. Personal Accident Cover

As per the Motor Vehicles Act 1988, a Personal Accident (PA) cover in bike insurance is a mandatory add-on for all two-wheeler owners. It is essential and applies to all valid license holders aged 18–65. Whether you choose a third-party or comprehensive policy, PA cover for owner-driver for two wheeler is compulsory. As per IRDAI, coverage is up to ₹15 lakh.

• Coverage: Up to ₹15 lakh
• Who can avail: Valid license holders aged 18–65
• Applicable on: Third-party and comprehensive plans

2. Return to Invoice (RTI) Cover

What is return to invoice in bike insurance? This add-on comes into play when your bike is stolen or deemed a total loss. It helps you get the original invoice value, including road tax and registration charges.

• Coverage: Full invoice value + registration + road tax
• Best for: New or high-value bikes

3. Zero Depreciation Cover

Known as zero dep bike insurance or bike insurance zero depreciation, this add-on nullifies the depreciation deduction during claim settlement. Ideal for new or high-value bikes, it ensures you receive the full cost of part replacements.

• Ideal for: New bikes or expensive repairs
• Benefit: No out-of-pocket expenses for parts like plastic, rubber, or metal

4. Roadside Assistance (RSA) Cover

What is roadside assistance in bike insurance? or simply rsa in bike – This 24/7 cover comes to your aid during a breakdown, flat tyre, battery issue, or emergency fuel need. It’s especially beneficial for long-distance riders or daily commuters.

• Services included: Flat tyre change, towing, key replacement, fuel delivery, taxi/accommodation support
• Ideal for: Long-distance riders and commuters

5. No Claim Bonus (NCB) Protection Cover

NCB protection retains your accumulated NCB even after a claim. It’s best suited for safe drivers with multiple claim-free years.

• Benefit: Retain NCB up to 50%
• Ideal for: Safe and experienced drivers

6. Consumables Cover

This covers the cost of nuts, bolts, grease, engine oil, etc., which are typically excluded from standard insurance. Ideal for frequent riders and those wanting full repair cost coverage.

• Best for: Frequent riders or full coverage seekers

7. Engine Protection Cover

Protects your bike’s engine from water ingression, oil leaks, or hydrostatic lock. It’s ideal for those in flood-prone areas or with high-end bikes.

• Benefits: Safeguards engine performance and reduces repair costs
• Ideal for: Daily commuters, riders in flood zones, and owners of premium bikes

Final Thoughts

Choosing the right bike insurance add-ons can transform a basic policy into comprehensive protection. Whether it’s personal accident cover, zero depreciation two wheeler insurance, or RSA in bike, each add-on ensures you ride stress-free. Always compare policies and consult with your insurer to select the best additional coverage suited to your needs.

⚠️ Disclaimer

The details shared are for informational purposes only. Insurance premiums and features may vary. Please check with the insurer or refer to the IRDAI website for accurate and updated information before making any decision.