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.
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.
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.
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.
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.
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.
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.
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.