How To Add Riders To Your Bike Insurance Policy For Extra Protection?


A bike insurance policy provides enough financial protection if your two-wheeler is involved in an accident, preventing you from paying out of pocket for repairing the damaged vehicle.

Various bike insurance policies

You must know the different types of policies that Indian insurers offer before you buy motorcycle insurance and can get into the add-ons.

Typically, all general insurance providers in India offer two types of bike insurance policies:

  • Third-party liability bike insurance
  • Comprehensive bike insurance

In India, all two-wheeler owners are required to carry third-party bike insurance. A comprehensive bike insurance plan is the best option if you want extensive protection because it covers both third-party liabilities and your damages to the insured vehicle.*

Add-on covers with a comprehensive insurance plan

When you buy motorcycle insurance, you will find that a comprehensive 2-wheeler policy comes with several add-on covers. After learning about their advantages, you can consider these if you want to receive additional benefits.

To learn more about the various add-on covers offered with the comprehensive bike insurance plan, contact the customer support team of your insurer.

The typical additional cover types included in the comprehensive two-wheeler insurance plan:

  1. Cover for roadside assistance
  2. NCB protection cover*
  3. Zero-depreciation cover
  4. Engine protection cover*
  5. Return to invoice cover
  6. Personal belongings cover 

Note: All of these covers are optional and require additional payment to be used.

You can download the Bajaj two-wheeler insurance app to learn more about Add-on covers.

Which motorbike insurance plan is right for me?

By this point, you must be aware of the critical distinctions between the two categories of insurance plans on the market. You can choose the option that meets your insurance needs and financial constraints.

The best option for affordable bike insurance is third-party bike insurance.

However, you should choose comprehensive coverage if you have the money to spend more and want total protection.

Suppose a third party’s property or life is damaged due to an accident involving your car. In that case, third-party insurance protects you from any resulting legal obligations. Please keep in mind that it does not cover harm done to your bike.*

A comprehensive policy, however, provides better protection and even pays for damage to your bike and third-party liabilities.

You can find both on your smartphone by downloading and using the two-wheeler insurance app.

To summarise, review the bike insurance inclusions and exclusions before purchasing. It will assist you in selecting the offer that satisfactorily meets your needs and financial constraints. Additionally, it will help you comprehend the policy’s coverage, and you can use it as needed.

In the end, it is your bike. If you love it, you will do the necessary research and spend the time to find a bike insurance cover that not only offers protection but also gives peace of mind and does so at a nominal price. But ensure you get bike insurance because riding a bike without one is illegal.

Get insured anytime, anywhere! Check out Bajaj Allianz General Insurance website to learn more and download the app now.

* 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.