Purchasing vehicle insurance is mandatory in India, but is your insurance paper only meant for avoiding fines? No! Having the right insurance coverage can protect you against financial and legal troubles in case of an accident, damage or loss. As such, it is very important to have the adequate coverage. Many people opt for the basic third-party bike insurance coverage, just to save a few hundreds on their premium, but this could cost them in lakhs in case of any mishaps. Thus, going for a comprehensive bike insurance online plan is a smart move. Getting the right two wheeler insurance online not only protects you against third-party liabilities but also own damage and personal accident expenses.
Now, you have an array of all-inclusive two wheeler insurance online plans to take your pick from. Also, along with comprehensive bike insurance cover, there are many add-ons that you must consider. Keep in mind, add-on covers come with only comprehensive insurance plans, and not with third-party cover. Going by your insurance needs, you can opt for add-on coverage to supplement your standard two-wheeler coverage.
Let’s move on to the different benefits of add-ons with your two-wheeler insurance plans.
Two Wheeler Add-Ons: Various Benefits
Among the benefits of add-on covers for your two-wheeler insurance are:
- Roadside Assistance: Minor breakdowns when driving on the roads are common. However, with roadside assistance cover, help is only one call away. Simply call your insurance company to avail its roadside assistance facility.
- Cashless garages: Many insurance companies have tie-ups with a host of network garages throughout the country. In cases of road accidents, you can contact a network garage nearest to your location and the insurer will bear the applicable repair costs.
- Spare parts repair and replacement: During times of accidents, you end up paying for the repair and replacement costs for damaged spare parts of your vehicle. Even so, by opting for greater bike insurance coverage, your insurer becomes liable to absorb such costs.
- Accessories guard: As a bike owner, if you want to bedeck your two-wheeler with electrical or non-electrical accessories, then opting for additional cover when purchasing bike insurance online is always advisable. This way, your insurer takes care of any expenses if your bike accessories get damaged.
Two Wheeler Insurance: Add-ons you can opt for
By paying extra two wheeler insurance premium, you can purchase add-ons, as seen below:
- Pillion Cover: Both the rider and the pillion are at risk when perched on a bike. And by purchasing pillion cover with your 2-wheeler insurance plan, you get coverage for any injuries sustained to the passenger during road mishaps.
- Zero Depreciation Cover: You do not have to incur depreciation costs for replacing damaged bike parts. All thanks to a zero depreciation cover with your 2-wheeler insurance plan, you receive coverage for repairing and replacing spare parts (both rubber components and plastic ones) in cases of bike accidents.
- Medical Coverage: Incurring medical expenses due to injuries during an accident can drain you financially. Even so, by purchasing a suitable bike insurance online plan, your insurer is responsible for clearing such dues.
- Accessories Cover: Replacing damaged accessories are financially exhausting. So, have you then thought of buying accessories cover coupled with 2-wheeler insurance? When you purchase accessories cover, the onus falls on your insurer to pay for any damages to your bike accessories.
Conclusion
Life is all about unexpected twists and turns, which is why, you should always be prepared to fight the odds. Purchasing add-on covers is a step in that direction. However, make sure to compare the various two wheeler insurance online plans and the different add-ons beforehand. Having adequate coverage paves the way for smoother and stress-free two-wheeler rides.
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