Customising Your Coverage: Understanding Add-Ons And Optional Features In Bike Insurance

Bike Insurance


Riding without valid two-wheeler insurance is a serious offence under the Motor Vehicles Act of 1988. This policy offers financial protection for accidents, theft, and natural disasters. While obtaining coverage is now simple, choosing a policy that aligns with your preferences for maximum benefits is crucial. Now, consider which type of custom motorcycle insurance works well for your bike. Before hitting the road, ensure peace of mind by performing a quick bike insurance check online to verify and update your coverage. *

A motorbike cover can be hard to find and requires much effort. The following choices are suggested for protecting your motorbike:

Various Kinds Of Insurance Coverage

1. Third-Party Insurance Coverage

This essential insurance coverage guards against the possibility of property or person damage or loss by a third party. A bike can only be driven on the road if it has the appropriate Bajaj Allianz third-party two-wheeler insurance. This insurance policy has restricted coverage. It only covers harm your motorbike causes to another vehicle, which is a third party. It excludes coverage for any losses or damages to your motorbike. Claims are subject to terms and conditions set forth under the motor insurance policy. *

2. Comprehensive Insurance Coverage

A comprehensive two-wheeler insurance policy offers complete coverage, including coverage for third-party property or person damage and damage to your two-wheeler. It is slightly more expensive than just third-party coverage because it also covers damage to your bike. Moreover, this coverage is only available for a year under the new regulations. Claims are subject to terms and conditions set forth under the motor insurance policy. *


Expand your insurance coverage by adding extra riders for an additional premium during the initial purchase or renewal. These riders provide 24/7 roadside assistance, covering bike repairs, towing, and expedited claims processing. Services include on-site minor repairs, duplicate key issues, tyre changes, battery jumpstarts, fuel tank emptying, and towing costs.

Additionally, the following riders are included:

Engine Protection: This engine cover protects against lubricant leaks, gearbox damage, and water intrusion.

Consumables Coverage: All kinds of motor vehicle oil, coolants, refrigerants, electrolytes, fluids, nuts, bolts, screws, filters, bearings, washers, clips, and other parts related to the vehicle may be covered. *

EMI Protection: Under the EMI bike insurance and protection cover terms, the insurer may pay the insured vehicle’s EMIs if the bike is repaired at a certified and approved network garage after an accident. *

Pillion Rider Cover: If the secondary rider is hurt in an accident while riding with you, the pillion rider coverage offered by your bike insurance policy will come in handy. The two-wheeler insurance policy add-on can provide co-passenger or pillion-rider coverage. *

Zero Depreciation Cover: Opt for a zero-depreciation bike insurance policy, usually available for new motorcycles during the initial issuance. While obtaining it later may be limited or costlier, the coverage ensures full claim amounts without deductions for depreciation on various bike parts. This add-on cover must be purchased separately. *

Roadside Assistance: Offers help for breakdowns with services like towing, flat tire assistance, battery jump-start, fuel delivery, and locksmith services. Adding it to your insurance supports unexpected vehicle issues, enhancing peace of mind.

Stay ahead of uncertainties on your ride by conducting a timely bike insurance check online to confirm and adjust your coverage as needed. Simplify the renewal process for your two-wheeler insurance by opting for Bajaj Allianz General Insurance renewal for a two-wheeler, ensuring continued coverage and peace of mind.

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*Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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