Add-On Covers in Two Wheeler Insurance

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Different Types of Add-On Covers in Two Wheeler Insurance

Most of us our more than happy with the ‘Comprehensive Two Wheeler Insurance' for our beloved two-wheeler, for we believe that it covers all our insurance needs. Or does it?

Well, let’s put it this way. You order for your favourite Pizza, that tastes good anyway. But wouldn’t it taste better if you add on some extra toppings of our choice, maybe a few more olives or pickled peppers, or perhaps a couple of drops of some Tabasco sauce. Now, your mouth is really watering, isn’t it!😊

It’s the same when it comes to your two-wheeler comprehensive insurance. Insurance companies offer you an array of add-ons that you can pick and choose to make your comprehensive insurance cover, well, more comprehensive!

So, here are the add-on covers that we suggest you take when it comes to your two-wheeler insurance policy. Do note though, that these add-ons come at a negligible premium over and above your basic insurance policy. But don’t worry, it’s not going to burn a hole in your pocket and besides, it’s worth every penny!

Check: Use Two Wheeler Insurance Premium Calculator to calculate the bike insurance premium with add-ons.

Two Wheeler Insurance Add-Ons by Digit

Zero Depreciation cover

In majority of the cases, it is the bike owner who pays for the depreciation and replacement of new spare parts, after an accident. However, if one wants this expenditure to be covered by the insurance company, one needs to buy the Nil or Zero Depreciation add-on to avail the benefits of this cover along with the existing insurance plan.

Roadside Assistance

Roadside Assistance add-on assists you in situations where you need help on the road with your two-wheeler. The service offers many benefits from getting your bike fixed on the spot to towing or taxi service to help you reach your destination. We provide roadside assistance to anyone who is stranded anywhere within the radius of 500km from the middle of the city.

Consumables Cover

At the time of claims, usually consumables like oil, nuts and bolts etc. are not covered under insurance. With this add on, you can save on all those consumables that will be covered however small they might be! This add on covers expenses towards consumables which are unfit for further use, arising out of damage due to an accident.

Engine and gear box Protect cover

In a standard two-wheeler policy, only damages occurred during the accident are covered. However, many times your engine could have consequential damages too, after the accident. Engine and gear box Protect cover helps you protect for damages caused due to that. Such as for the damages that could arise due to leakage of lubricating oil or times when water enters the engine due to natural calamities.

Return to Invoice cover

This is probably a motorist’s worst nightmare- when your bike is destroyed beyond repair! In other words, totaled in an unimaginable mishap. Thankfully there’s some conciliation is such extreme cases Return to Invoice cover may come handy. Insurance companies will refund the complete value/amount mentioned on the invoice.

Tyre protect cover

Tyre protect add-on cover helps you in case the tyre of your two-wheeler is damaged. The cover will reimburse the cost incurred for replacing the damaged tyre with a new equivalent as well as charges towards wheel balancing and labour costs for replacing the tyre.

Daily Conveyance Benefit

As per Daily Conveyance Benefit add-on cover, Digit will pay the policyholder a fixed allowance or provide coupons from known taxi operators due to unavailability of the vehicle when repaired. This is applicable only if a claim for accidental damage to the two-wheeler is admitted under ‘Own Damage’ of the insurance policy.

EV Shield Add-on Cover

This EV Shield add-on cover for electric two wheeler in India will protect you and your vehicle against any loss or damage to the electrical panel for the vehicle charging point, vehicle charger including charging cable, and offer roadside assistance services specific to EVs.

At the end of the day, with add on covers you can ride on with complete peace of mind. For you are not just secure. You are super-secure 😊!