Two-wheeler Insurance Add-on covers | Fincover®
Want enhanced protection for your two wheelers? Opt for two wheeler insurance add-ons and get complete protection for your bikes.
What is 2W Insurance Add-ons?
A two wheeler insurance add-on is a additional coverage that you can buy along with comprehensive insurance policy for enhanced protected. A comprehensive insurance policy can cover the major damages in the event of an unfortunate event like accident, however, there are some areas that are uncovered which these add-ons can take care of. So, if you want to strengthen your two wheeler insurance coverage, you better opt for any of these add-ons.
Top Two Wheeler Insurance Plans
Several good plans are available at a cost that will enhance your day.
| Provider | Starting Price | Discount | PA Cover | Get Quote |
|---|---|---|---|---|
| United India | ₹ 1000/- | 60% | ₹ 15 Lakh | Get quotes |
| Reliance | ₹ 980/- | 60% | ₹ 15 Lakh | Get quotes |
| New India Assur. | ₹ 1150/- | 60% | ₹ 15 Lakh | Get quotes |
| Go Digit | ₹ 1070/- | 60% | ₹ 15 Lakh | Get quotes |
| Bajaj Allianz | ₹ 1160/- | 60% | ₹ 15 Lakh | Get quotes |
| Royal Sundaram | ₹ 1138/- | 60% | ₹ 15 Lakh | Get quotes |
| ICICI Lombard | ₹ 1287/- | 60% | ₹ 15 Lakh | Get quotes |
| Oriental | ₹ 1150/- | 60% | ₹ 15 Lakh | Get quotes |
Budget-Friendly Options
| Provider | Starting Price | Discount | PA Cover | Get Quote |
|---|---|---|---|---|
| United India | ₹ 843/- | 60% | ₹ 15 Lakh | Get quotes |
| Reliance | ₹ 843/- | 60% | ₹ 15 Lakh | Get quotes |
| New India Assur. | ₹ 843/- | 60% | ₹ 15 Lakh | Get quotes |
| Go Digit | ₹ 843/- | 60% | ₹ 15 Lakh | Get quotes |
| Bajaj Allianz | ₹ 843/- | 60% | ₹ 15 Lakh | Get quotes |
| Royal Sundaram | ₹ 843/- | 60% | ₹ 15 Lakh | Get quotes |
| ICICI Lombard | ₹ 843/- | 60% | ₹ 15 Lakh | Get quotes |
| Oriental | ₹ 843/- | 60% | ₹ 15 Lakh | Get quotes |
Types Of Add-ons Covers
The type of add-ons offered varies from insurer to insurer. Following is a generalized list of popular add-ons which are more or less offered by every insurer.
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Zero Depreciation cover
Depreciation is an inevitable phase of every machinery. With prolonged usage, spare parts of the vehicle undergoes depreciation. With Zero Depreciation cover, helps you claim a bigger amount by eliminating the depreciation value. Most insurers allow you to make a zero depreciation claim upto two times. However, there are a few insurers that allow unlimited claims.
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NCB Protection Cover
No Claim Protection is a reward given by the insurance company to the policyholder for not raising a claim in the policy tenure. It ranges from 20%-50%. If you raise a claim, you lose that privilige. With NCB Protection cover, you can keep your accumulated NCB in tact even if you raise a claim.
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Consumables cover
Consumable cover provides coverage for consumable items like grease, lubricants, bearings, brake oil, oil filter and other things that does not come under Comprehensive Car Insurance Policy.
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Roadside Assistance Cover
Of all the add-ons, Roadside assistance cover is the most important one. It comes to your air, when you are struck on a highway because of electrical/mechanical breakdowns, battery drain or issues like flat tyre and other on-site minor repairs.
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Engine Protection Cover
An Engine Protection cover offers financial compensation in the event engine requires repair or replacement following an accident. If you are living in a area that is prone to frequent natural disasters, this add-on is a must.
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Personal Accident Cover
A personal Accident cover provides coverage to the pillion rider in the event of an accident. It compensates the pillion-rider in the event of death or permanent disability. It is highly recommended for couples travelling in bike together often.
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Personal Belongings cover
With Personal Belongings cover cover, your insurance company will cover the damages or losses to your personal belongings that you may have while riding your bikes.
