If you own a two-wheeler, you must be aware of the legal requirement of having a vehicle insurance policy. Not only it is mandatory by law, but also offers tangible long-term benefits. To take full advantage of such benefits that a two-wheeler insurance policy offers, you need to be subscribed to one. For that, you must carefully opt for a policy that checks the right boxes.

To start with, a two wheeler insurance can be purchased either as a third-party plan or comprehensive policy. While the rules require you to buy third-party coverage as bare minimum, it often is insufficient in terms of the coverage they offer. It only provides protection against the legal liabilities occurring in the event of an accident or damages. Hence, smart and prudent buyers opt for a comprehensive policy. With a comprehensive policy, you can avail 360-degree coverage thereby ensuring complete protection against all possible perils. In addition to that, a comprehensive plan can be customised for its coverage using the add-on facility. This article sheds light on some of the add-ons that enhance your two-wheeler insurance policy’s scope while adding significant value.

• Zero-depreciation cover

One of the add-ons which is highly recommended by auto-dealers and by peers, is the zero-depreciation cover. A standard comprehensive policy has its limitation by way of depreciation kicking in and lowering the claim amount. Like all machines, engine is prone to wear and tear and time as a factor lowers its efficiency. Thus, for that reason, insurance companies deduct depreciation based on the age of the vehicle to compensate for such effect. With a zero-depreciation cover, such effect of depreciation is eliminated in its entirety thereby maximising the claim pay-out. *

• Pillion rider add-on

Standard comprehensive plans cover the injuries only to the rider/policyholder but do not extend to pillions. It is common in India to ride one up and hence an insurance coverage for pillions is essential. With pillion rider cover, you can be rest assured that your pillion is safe and covered by your insurance policy. *

• 24X7 Roadside assistance cover

Breakdowns can be troublesome and hence a 24X7 roadside assistance cover provides the facility of towing and repair services. So even if you are stranded on an empty street with no help or just outside city limits, your insurer has got your back. *

* Standard T&C Apply

While there are many different add-ons to choose from, these are some of the useful ones enhancing the scope of your insurance policy. When buying add-ons, remember they are over and above the coverage offered by comprehensive polices and hence impacts bike insurance price. Hence, at each two wheeler insurance renewal, make sure to reassess whether the add-on is beneficial or not. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.