A Guide to Accessories Cover on 2 Wheeler Insurance

Posted on: Sep 18, 2025 | 3 mins | Written by: HDFC ERGO Team

A Guide to Accessories Cover on 2 Wheeler Insurance

While buying a bike, you are also likely to invest in a lot of accessories. These accessories are designed to improve the bike's comfort, performance and style. From high-end navigation to custom seats and more, numerous enhancements can significantly improve the overall value of the bike.

When you obtain these accessories, a major concern you're likely to face is whether your bike insurance includes an accessories cover. These accessories are a great investment, so you will want to protect them against theft or damage. It's crucial to understand how your comprehensive bike insurance covers accessories and whether there's adequate protection to prevent unexpected losses.

What is the Accessories Cover in Bike Insurance?

There is a wide-range of must-buy bike accessories that enhance the functionality, comfort and aesthetic appeal of your bike. Accessories cover in bike insurance is a type of add-on cover provided by insurance companies. With the help of this cover, you get to protect the accessories on your vehicle. You will have to pay an additional premium to get this cover.

It provides coverage for all the accessories against accidents and more. Whether it is the Bluetooth system or fancy light, proper coverage for these accessories will be provided. However, if you opt for an add-on cover, you will need to consider the estimated cost of the accessories. This will be applicable while buying or renewing the insurance policy.

Is It Worth Buying an Accessories Cover on a Two-Wheeler Insurance Policy?

If you have purchased some expensive accessories for your bike, you must protect them as much as you protect your bike. Whether they are electrical accessories or non-electrical accessories, they need proper coverage. Therefore, with a 2-wheeler insurance accessories add-on, you'd be protecting these. In the event of an accident, if any damage occurs to the accessories, the insurance company will cover the cost.

Bike accessories are very expensive. When these get damaged, it can burn a significant hole in your pocket, whether you purchase it or repair it. The accessories cover in bike insurance will therefore protect you against the risk of additional financial damage. When riding your bike, any unfortunate event can occur, which can deplete your resources. While regular bike insurance provides standard coverage, these add-ons protect you against extra expenses, allowing you to ride peacefully.

What Type of Accessories are Covered in Comprehensive Bike Insurance?

Some comprehensive bike insurance policies cover the standard parts of your bike, along with accessories. However, you must note that not all accessories are covered. Additionally, the inclusion of accessories depends on the type of add-on covers you have opted for with your base policy.

Usually, different types of accessories covered by the insurance policy include:

1. Declared accessories:

If you declare any accessories when purchasing your insurance, they will be covered under the insurance policy. You can also increase your coverage by including expensive items such as GPS devices, panniers, alloy wheels and more.

2. Factory-fitted accessories:

These are the accessories or parts that are already attached to your bike when you purchase it from the manufacturer. These include mirrors, indicators, and exhausts, to name a few. Most of the comprehensive 2-wheeler insurance policies offer coverage for damage to the factory-fitted accessories.

3. Add-on accessories:

If you have any extra accessories that you would like to cover, you must purchase the add-on cover. This cover will be available with an additional premium. This add-on cover will protect your accessories against damage and theft.

Are Any Accessories Excluded Under the Bike Insurance?

Yes, even with add-on covers, there are specific exclusions for the accessories under the comprehensive bike insurance policy. To obtain coverage for these accessories, you must select the corresponding add-ons. Hence, some of the key exclusions for accessories in bike insurance include:

1. Non-essential accessories, such as cameras or premium seat covers (available only if you have opted for an essential add-on).

2. Cosmetic changes to your bike, such as stickers or custom paint.

3. Aftermarket accessories like custom exhausts and expensive headlights (can be availed by purchasing an add-on for a higher premium).

4. Damage to the accessories due to regular wear and tear, such as fading, rusting, or gradual deterioration.

Who Should Buy an Accessory Cover for Two-Wheeler Insurance?

The accessories add-ons in your bike or scooter insurance can be a good choice if you want to protect your accessories. The following people should buy the accessories cover:

1. If you ride frequently in accident-prone zones.

2. If you are using your bike daily for commuting or covering long distances.

3. If you have installed any expensive, advanced or custom accessories on the bike.

4. If you have purchased any new accessories for your bike to make it more comfortable.

5. If you want extra protection for all your bike's accessories.

Features of the Bike Insurance Accessories Cover

You should consider the following features while buying an accessories cover on your bike or scooter insurance policy:

1. All extra parts of your vehicle, such as crash guards, seat covers, alloy wheels, and saddlebags, must be covered.

2. The insurance offers safety and protection for these accessories against damage or theft.

3. The policy must cover the cost of repairs and replacements for accessories.

4. Although the premium of your insurance policy is currently increasing, it remains affordable in the long run. You wouldn't have to worry about costly repairs and replacements.

5. You must declare the total cost of your accessories, as it helps the insurer determine the appropriate coverage amount. If the bike accessories are expensive, higher financial coverage will be needed.

How to Ensure Bike Accessories are Covered?

Whether you have electrical or non-electrical accessories, you must ensure that they're all covered by your insurance policy. You must know that these add-ons are available only for own damage or comprehensive insurance policies and not a third-party bike insurance policy.

Once you've purchased the accessories coverage, you must carefully follow the instructions given below to avoid any issues during the claim settlement process:

1. Mention all your accessories:

When purchasing the policy, be sure to list all the accessories currently on your bike. These can be high-value or custom pieces, but make sure to declare them. Mentioning these is crucial when renewing as well. Therefore, during the claim settlement process, all these items will be taken into consideration.

2. Buy add-on cover:

Check what add-on covers are available for the accessories you're interested in. The add-on coverage will increase the premium, but all your high-end and custom items, as well as any additional improvements to your bike, will be protected.

3. Save the purchase invoices:

You must save the invoice for all accessories purchased. These will be crucial when filing the claim if any of the accessories are stolen or damaged.

4. Know the limits of the insurance:

All the bike insurance companies set specific coverage limits for these accessories. Therefore, there will be a maximum claim amount for the accessories. Before filing a claim, it is crucial to check the limits and, if necessary, adjust the coverage accordingly. Moreover, in case of expensive modifications, you should check the limit and then file for it. If needed, you will opt for add-on cover.

Conclusion

When you have expensive bike accessories, it's essential to invest in good insurance. Even if you have third party bike insurance, you must obtain additional coverage for these accessories in your comprehensive insurance policy. Check for add-on cover that offers coverage for non-standard and aftermarket parts. You should check what your policy covers and declare all accessories fitted to your bike to your insurer. This is a crucial investment you're making, so make sure to safeguard it with proper insurance coverage.

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

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