Accessories Coverage In Two-Wheeler Insurance

Bike accessories are available for a better and smooth riding experience as well as to protect the two-wheelers. Since these accessories come with a price hence they require extra protection. If you have studded your two-wheeler with accessories be it electrical or non-electrical, purchasing two-wheeler insurance that provides cover for these accessories become vital. However, no basic two-wheeler insurance plan, standalone insurance plan or even a comprehensive insurance plan does not cover accessories against any damage.

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What Is Two-Wheeler Insurance Cover For Accessories?

This is an add-on provided by the insurance companies. You can protect your bike’s accessories by adding this add-on to your existing two wheeler insurance. You will be charged with extra amount in your premium by your insurer for adding this particular add-on.

This add-on provides cover for all the accessories against any kind of damage caused during an unforeseen accident be it the fancy light, Bluetooth device, etc. In order to purchase this add-on you will have to provide an estimated cost of the accessories added on the bike while purchasing or renewing the insurance plan.

Add-ons for your two wheeler insurance

Who Should Purchase Accessories Add-On?

The accessories add-on should be purchased by every bike owner. However, it varies from person to person as some like to attach different accessories to their bike and some don’t. So here are the ones highly recommended to purchase this add-on in their existing bike insurance as the insurance company does not provide it on their own.

Those who like to enhance their bike’s look and use different accessories such as fancy lights and seat covers.
Bike owners who have fitted a mobile holder or any other advanced accessory in their bike for traveling ease should purchase this add-on
Those people who ride their bikes in the areas that are prone to accidents.

Why Is It Important To Add Accessories Cover Along With Comprehensive Bike Insurance?

There are two types of people, one who likes to keep their bikes look wise in simple condition and others who likes to modify the look of their bike by adding different kinds of accessories. This is why the accessories cover comes separately. People can purchase this add-on on their will to get the coverage if they choose to fit different accessories on their bikes.

The accessories insurance include helmet lock, bike cover, USB charger for smartphone, mobile holder, riding gears such as knee pads, elbow pads, jackets, etc. Since this would not be included in your standard bike insurance or even in a comprehensive insurance plan so you will have to purchase it separately.

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FAQs: Accessories Add-on Cover

Q1: When and how can I purchase the accessories add-on cover?

Ans: You can either purchase the accessories add-on while purchasing the insurance plan or renewing it. It is totally your choice if you want to cover the accessories hence you can add it later during the renewal process before the expiration date of the policy.
Q2: Accessories that gets coverage under this add-on, what are those accessories?

Ans: The Accessories add-on provides cover for the electrical as well as non-electrical accessories attached with the bike. The add-on cover things like LED lights, seat cover, Seat handle, mobile holder, etc.
Q3: What if I only have a third-party insurance plan, will I still be able to purchase this add-on?

Ans: No, you cannot purchase this add-on if your bike is only cover with a third party bike insurance plan. This add-on is available for the buyers that are covered under comprehensive insurance plan or a standalone own damage insurance.
Q4: What kind of coverage does this insurance add-on provides?

Ans: The accessories add-on provides cover for the loss or damage caused to the bike accessories during a road accident as well as theft.
Q5: Will I be able to include any other add-on along with the accessories add-on in my existing two wheeler insurance plan?

Ans: Yes, you can add any other add-on along with the accessories add=on in your existing two wheeler insurance plan that will increase the premium amount of the policy.

Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in