Knowledge Centre

Do You Have Enough Coverage for Bike Insurance

Published on October 4, 2019. EST READ TIME: 5 MIN

Buying motor insurance is mandatory by law. It can offer protection to your motorbike as per your coverage included in your bike insurance policy. Bike insurance is not expensive to buy. By spending just a little for the premium, you can get protection for your precious vehicle. But you need to ensure that your bike insurance has adequate coverage to offer comprehensive protection to your vehicle.

Types of Bike Insurance Coverage

There are two types of bike insurance policies available for you to buy. You can choose either one as per your requirements.

Comprehensive insurance This type of bike insurance covers impact damage, theft, fire, natural disasters, accidents etc along with third party cover which covers any third party liability in term of death, bodily injury or property damage

Third-party liability This policy is mandatory by law and covers injuries or death of a third-party person and damage to a third-party vehicle or property.

Coverage other than third-party liability is optional. Know that comprehensive insurance includes third-party liability. But if you buy a standalone third-party insurance policy, you don’t get any other protection for your bike.

You can buy bike insurance for one year or for the long-term (up to 3 years). However, for a brand new two wheeler a long term third party policy for 5 years is mandatory.

Add-On Cover Options

Just like preferences for bikes, the requirement for insurance coverage can also differ for people. You may find comprehensive cover inadequate for your bike insurance and may wish to protect your vehicle in numerous other ways. For this reason, insurance companies offer various add-on cover options.

You can buy one or more of such add-on covers to strengthen your existing comprehensive policy. You will need to pay additional premium for each add-on cover. Availability of add-on covers can differ from one insurer to another.

Some examples of add-on cover Zero depreciation – This add-on cover will provide coverage for your bike without considering the vehicle’s depreciation. You can buy it with your yearly bike insurance policy. Depreciation, in general, is excluded from bike insurance coverage. But with this add-on cover, you can include it in your bike insurance plan. Tyres and batteries are not included in this add-on cover.

Emergency assistance – This add-on cover will offer coverage for your bike in emergency situations such as minor roadside repairs, towing, tyre replacement, fuel replacement etc. You will need to call the customer service department of the insurer to claim the benefits. For example, if your bike needs to be towed to the nearby garage, the insurance company will pay for the charges. Your insurer will also arrange for any help as per your coverage. It is also available for purchase with yearly bike insurance policies.

Mechanical or electrical breakdowns are otherwise not covered in comprehensive bike insurance.


Other than the above-mentioned exclusions, any damage to a person or the bike sustained due to illegal driving is not covered by bike insurance. Illegal driving includes driving the bike without a valid or proper driving license. It also includes driving under the influence of alcohol or other banned substances etc.

So, as you know the nuances of bike insurance now, taking the right coverage will be easy. Assess your needs and budget while deciding on the coverage.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

his blog has been written by

S. Gopalakrishnan | Motor Insurance Expert | 40+ years of experience in insurance industry

A veteran in insurance industry. S. Gopalakrishnan is a name to reckon with in the field of reinsurance, he has headed the Reinsurance department and has rich experience in other fields of motor insurance. He loves to share his opinion on latest topics in the insurance industry and how he can help people in safeguarding their assets using insurance products.

S. Gopalakrishnan recommends "HDFC ERGO for your vehicle insurance needs, it has always put customer’s interest at the forefront, with round the clock assistance to deal with emergency breakdown issues and hassle free claims process. You can be assured of complete and reliable guidance through the whole process".

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