Top 7 Bike Insurance Add-Ons Explained in Simple Terms

Posted on: Jan 8, 2026 | 3 mins | Written by: HDFC ERGO Team

Top 7 Bike Insurance Add-Ons Explained in Simple Terms

7 Bike Insurance Add On Covers in Basic Terms

Your bike is your prized possession, and it is your responsibility to take the best care of it. While you regularly conduct maintenance, a significant area you should not overlook is insurance. Under the Motor Vehicles Act 1988, all riders must have a valid bike insurance policy.

Rather than opting for regular insurance, it is advisable to choose broader coverage. Your regular bike insurance may not cover everything, but with the right add-ons, it will. The address-ons allow you to enjoy all the benefits of a comprehensive policy with some additional flexibility. Let's explore some of the top bike insurance add-ons that businesses can get.

Why Do You Need Bike Insurance Add-ons?

These add-ons can be purchased separately, given their wide range of benefits. These add-ons are meant to protect the parts of your bike that regular bike insurance doesn't.

While you have comprehensive bike insurance, it is best to purchase the necessary add-ons with it. There are different types of add-ons available on the market, each designed to address different needs. For example, if you're going on long rides and feel that you may need assistance, you should choose roadside assistance and so on.

The importance of bike insurance add-ons varies from person to person. It is best to research and analyse your needs. Based on your preferences, you can choose add-ons that suit your needs.

Top 7 Bike Insurance Add-ons Every Biker Should Have

While bike insurance add-ons are largely a matter of personal preference, there are different types you may consider. Some of the best add-ons of bike insurance that you may buy are as follows:

1. Zero Depreciation

As your bike ages, regular wear and tear lead to depreciation. Therefore, if your bike gets damaged in an accident, the claim settlement you receive will consider the depreciation value. Therefore, you will not receive the full amount.

With zero depreciation in bike insurance, you get to protect the overall value of the bike. It significantly cancels the depreciation component. You can claim the full value of the bike, just like a new one. No depreciation will be considered, and you will receive the full settlement amount.

2. Roadside Assistance

You're going somewhere important or on a ride, and suddenly your bike halts mid-way, what would you do? This is a prevalent scenario. Several riders need roadside assistance. If you don't have this cover, you'll have to pay for expenses out of your pocket or wait too long for a mechanic to arrive.

The roadside assistance in bike insurance will cover unexpected breakdowns. In case of an emergency, you can call the insurance company, and they'll handle it. For roadside assistance, they offer towing, tyre repairs, and more. If you need duplicate keys or fuel delivery, this cover can help you with that as well.

3. Engine & Gearbox Protection

The engine is one of the most critical and expensive components of your bike. If your engine and gearbox get damaged, you'll have to pay a hefty sum of money for repair. With the engine and gearbox protection in car insurance, you'll be able to avoid it significantly.

This exclusive add-on cover will cover the cost for replacement and repairs of all engine and gearbox child parts. However, coverage will be provided only if the damage is due to lubricating oil leakage or gearbox damage.

4. No Claim Bonus

If you don't file any claim within the policy period, you get No Claim Bonus benefits with your insurance during renewal. This bonus offers significant premium discounts. However, even if you file one claim, the entire bonus disappears. For this reason, you must get No Claim Bonus Cover.

NCB in bike insurance protects the benefits. It allows you to file two claims in a policy year under your insurance policy. Even if you file the claim, you wouldn't lose the benefits. Therefore, during the renewal period, you can get a discount on your premiums.

5. Personal Accident Cover

Two-wheeler personal accident cover is becoming increasingly popular amongst riders. This add-on cover protects the vehicle owner and their dependents in the event of an accident.

The add-on cover also provides compensation for injuries resulting from accidents. The optional cover is also available for pillions. It is advisable to carefully assess your requirements before investing in this add-on.

6. Return to Invoice

Return to Invoice (RTI) is a significant cover in bike insurance. While you need to pay an additional premium, it offers numerous benefits. This add-on ensures that during settlement, you receive the claim amount equal to your bike's actual invoice value.

RTI in bike insurance is valid if the bike gets stolen or is beyond repair. New bike owners should consider adding this option. In case of bike theft or loss, you can file a claim for the settlement value. Upon receiving the amount, you can purchase a new bike for the same range.

7. Pay As You Drive

Pay-as-you-drive is an add-on where the premium depends on how much you use the vehicle. It is best for those who drive their bikes very frequently. The premium discount is offered based on the predefined slab.

The pay as you drive bike insurance cover is very flexible. You can adjust your plan as your driving habits change. This is a pretty fair add-on to the biker riders. Since you only pay for what you use, you can save a significant sum of money. During the renewal process, you can choose a new slab or adjust your actual usage.

Learn more about the essential long-distance add-ons for riders in our blog Gear Up for the Ride: Essential Add-On Covers for Long-Distance Bikers.

Conclusion

While add-ons for bike insurance are not legally mandatory, it is advisable to get them for additional protection. The right add-ons can play an essential role in bringing significant changes. You must assess the add-ons you want, as they protect your vehicle against all odds. You can purchase these add-ons with a comprehensive bike insurance policy, not a third-party policy. These add-ons cover you against unforeseen scenarios and let you enjoy your bike with complete flexibility.

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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