Popular Add-ons In Two-Wheeler Insurance Policy

Add-ons are a savior when your two wheeler is exposed to risks which are not covered in a standard two-wheeler insurance policy. They simply enhance your vehicle protection by providing you extra financial aid during any mishap. Add-ons do come with an extra premium to provide your bike that extra coverage. You need to go through the policy wordings to get the clarity on the value added services provided by your two-wheeler insurer.

Below mentioned is the list of most common add-on covers in two-wheeler insurance:


Zero Depreciation Cover

An insurer settles the claim amount after deducting the depreciation value of your vehicle. This cover eliminates any depreciation deduction at the time of claim settlement and the full amount is paid to you.

No Claim Bonus Protect

NCB is applicable only if no claims are made in a policy year. NCB Protect allows you to save your NCB and get a discount benefit during renewals even if you make any claim during the previous policy year.

Return to Invoice

In the event of total loss due to any accident, the insurers will pay the Insured Declared Value (IDV) of your two wheeler, which is the current market value of the vehicle after deducting depreciation. RTI covers this gap between the invoice price of your vehicle and the IDV, including registration and taxes, allowing you to get the entire purchase value as the claim amount.

Emergency Assistance Cover

This cover enables you to avail roadside assistance for your bike during an emergency. Most insurers offer an array of services under this cover like tyre changes, on-site minor repairs, battery jump-start, towing, lost key assistance, and fuel arrangement amongst others.

Daily Allowance Benefit

Under this benefit, your insurer will provide you with a daily cash to compensate your daily travel expenses while your insured vehicle is under repairs at one of its network garages.

Helmet Cover

This cover enables you to receive an allowance from your insurance provider to get your helmet repaired or replaced in case it was partially or totally damaged in an accident. In case of replacement, the new helmet should be of the same model and type.

EMI Protection

Through this add-on your insurer will pay for the EMIs of your insured vehicle while it is getting repaired at a network garage following an accident.

Consumables Expenses

The insurer will reimburse the costs of replacing / repairing consumable items through this add-on, which is otherwise not covered in a standard bike insurance plan. The covered consumables include screw, nuts/bolts, washers, bearings, clip, engine oil, gearbox oil, brake oil, grease, lubricants, distilled water, and such other consumables, excluding fuel.

PA Cover for Pillion Rider

The safety of a pillion rider is on you just like your safety itself. This pillion rider cover under the bike insurance policy is beneficial when the secondary rider is injured in an accident riding with you.

Engine Protect

This two wheeler insurance policy add-on cover protects your vehicle in case of water ingression, gearbox damage, and lubricant leakage, among others. In addition to this, you will get protection for replacing or repairing the pivotal engine parts like pistons, cylinder head, crankshaft are covered under this bike insurance package.

Key Protect

This add-on cover will secure you against the cost of replacing the bike’s key in case it is stolen, lost or damaged. You can also avail payment for the repair or replacement of the lockset, if required.

Save Upto 70%* on Bike Insurance Premiums

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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply CIBPL/Two-Wheeler/WebBanner/English/Jan-22/010

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