Add-On Covers in Two-Wheeler Insurance

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Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013.
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Different Types of Add-On Covers in Two-Wheeler Insurance

Most of us are 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 your favorite pizza, which tastes good anyway. But wouldn’t it taste better if you add 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!

Add-On Cover in Bike Insurance

What is Add-On Cover in Bike Insurance?

Add-ons in two-wheeler insurance mean the additional protection that you can get with your bike insurance policy. These are extra covers offered by the insurance company, available at an additional premium, that provide coverage for a specific purpose that is not included in the standard policy plan.

For example, an engine protection cover safeguards your bike’s engine against damage caused by water ingress or oil leakage, or a roadside assistance cover helps in case your bike breaks down in the middle of the road. 

By opting for these bike insurance add-ons, you can tailor your insurance coverage and enhance it as per your needs!

Also, you can use the Two-Wheeler Insurance Premium Calculator to calculate the bike insurance premium with add-ons.

Bike Insurance Add-On Covers Available with Digit Insurance

Here are different types of two-wheeler insurance add-ons offered by Digit, which you can buy with a comprehensive or own damage insurance policy.

Zero Depreciation Cover icon

Zero Depreciation Cover

Think of it like an effective anti-aging cream for your bike and its parts. Usually, the required depreciation amount is always taken into account during claims. However, a zero-depreciation cover ensures no depreciation is taken into consideration, so you get the full value of the cost of repair/replacement during claims.

Return to Invoice Cover icon

Return to Invoice Cover

If you fall into a situation where your bike is stolen or damaged beyond repair, this add-on comes in handy. With return to invoice add-on, we will cover the costs of getting you the same, or similar bike, including the road tax and registration fees for the same

Engine & Gearbox Protection Cover icon

Engine & Gearbox Protection Cover

Do you know that the cost of replacing your engine is approximately 40% of its cost? In a standard two-wheeler insurance policy, only damages caused during the accident are covered. However, with the engine and gearbox protection add-on cover, you can specifically cover the life of your vehicle (the engine and gearbox!) for any consequential damages caused post the accident. This could happen due to water regression, leakage of lubricating oil, and undercarriage damage.

Consumable Cover icon

Consumable Cover

The add-on of consumable cover adds an additional shield to your two-wheeler. Covers the cost for all your bike’s nitty-gritties, such as the engine oils, screws, nuts and bolts, grease, etc., in the event of an accident.

Breakdown Assistance icon

Breakdown Assistance

The roadside assistance add-on ensures we’ll always be there for you and your two-wheeler in case of any breakdowns. The best part? Asking for our help doesn’t even count as a claim.

Tyre Protect Cover icon

Tyre Protect

The tyre protect add-on cover is offered only to vehicles fitted with run-flat technology. As part of it, the cost of replacing damaged tires with ones equivalent or near equivalent to the ones being used in the vehicle, labor, and wheel balancing charges can be reimbursed. However, claims made under the add-on cover are subject to conditions set forth under the vehicle insurance policy.

Daily conveyance benefit icon

Daily Conveyance Benefit

The add-on cover of daily conveyance benefit will ensure that you are compensated for your transportation cost during the period when the two-wheeler is under repair, subject to applicable time excess. A policyholder can be compensated in the form of a fixed allowance per day or coupons from taxi operators for an amount equal to the per-day fixed allowance.

EV Shield Add-on Cover icon

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 and the vehicle charger, including the charging cable, and offer roadside assistance services specific to EVs.

Which Bike Insurance Add-on is Best for You?

New Bike Rider

Luxury Bike Owner

Road Tripper

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Priya, 28 Year Old Female

Priya has just learnt how to ride a two-wheeler; the chances of dropping her two-wheeler are high due to her limited riding experience.

So, she can opt for the Roadside Assistance add-on, as it will help her in case she gets into an accident and her bike breaks down. 

She can also get the Return to Invoice Cover, which will compensate her for the amount mentioned on the invoice in case your two-wheeler is damaged beyond repair.

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Ritesh, 28 Year Old Male

Ritesh owns a luxury bike; his responsibility has increased. So, the first thing to do is secure his top-end bike from theft or total loss by getting a Return to Invoice Cover.

Also, might go for Zero Depreciation Cover to get the maximum claim amount, as it won’t consider the depreciation on your bike’s expensive parts.

He can also avoid unnecessary repair expenses by getting an Engine Protection Cover and a Consumables add-on to cover the replacement costs of lubricants, oils, nuts, bolts, screws, washers, grease, etc. 

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Ram, 40 Year Old Male

Ram loves long bike road trips, often choosing the road less taken. The Roadside Assistance add-on is his best friend; it has got his back in any unfortunate breakdown situation.

Another add-on he can opt for is the Key Protect Cover, as it has got him covered in case he loses his bike key while on a motorcycle tour. 

Since long trips increase the chance of damage to his tyres, he can also get Tyre Protect add-on cover that will reimburse the cost incurred for replacing the damaged tyre with a new equivalent. 

At the end of the day, with add-on covers, he can ride on with complete peace of mind, for he's not just secure. He's super-secure 😊!

Benefits of Bike Insurance Add-on Covers

Benefits of Bike Insurance Add-on Covers

  • Two-wheeler add-on covers provide additional protection, covering specific risks and expenses that may not be included in the standard policy.
  • Add-on covers for bike insurance allow you to customize your standard insurance policy as per your budget and specific needs. 
  • Add-on covers like zero depreciation help you to save out-of-pocket money at the time of claim, as with this add-on, the cost of depreciation is not included. This also increases the resale value of the bike.
  • Some add-on covers also provide additional benefits, such as 24/7 roadside assistance when your bike gets into an accident or breaks down in the middle of nowhere, a feature which is not usually included in standard insurance plans.
  • Bike insurance add-on covers, thus, offer convenience and peace of mind while riding, as two-wheeler owners know they are financially protected in all situations. 

FAQs about Add-ons in Bike Insurance

Manasvi Gupta

Written By:

Manasvi Gupta

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Manasvi Gupta

Manasvi Gupta

Content Writer

Storyteller at heart, Manasvi brings 4 years of content and marketing experience to Digit. Whether it's writing SEO-optimised articles or a researched and insightful blog, she strives to transform ideas into creating impactful and engaging content.

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Reviewed By:

Mayur Kacholiya

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mayur-black-white-test

Mayur Kacholiya

Product Head - Motor

Mayur specializes in motor insurance and is responsible for overseeing the development and management of motor insurance products. With expertise in product strategy and market analysis, he focuses on developing customer-centric insurance solutions.