Protect Electronic Gadgets With Bike Insurance

Posted on: Oct 14, 2025 | 3 mins | Written by: HDFC ERGO Team

Protect Electronic Gadgets With Bike Insurance

After buying a bike, the owner secures it with a solid two wheeler insurance plan as it is legally mandatory to have at least third-party liability coverage to stay road-legal. For enhanced protection, a comprehensive policy can be bought that covers third-party liabilities as well as theft or damage to your own bike. This secures your vehicle, but what about personal electronic items like a mobile phone, tablet, or laptop kept in your bike? Are they covered? Let’s find out.

Is Electronic Equipment Covered Under Insurance?

Yes, electronic gadgets can be secured under the extent of your standalone own damage or comprehensive bike insurance policy. While the basic plans don’t cover electronic devices, you can buy a personal electronic equipment add-on with them to safeguard items such as your mobile phone, tablet, or laptop against theft or accidental damage when they are kept in your two-wheeler. This rider lets you ride with peace of mind, knowing both your valuable gadgets and your bike are secured against unforeseen events.

Some personal electronic equipment add-on covers also extend protection to data in the devices. In case of an accident or other covered event, the rider may provide compensation for the loss of data stored on external devices such as hard drives. It can also cover the expenses involved in recovering or restoring the lost data.

When Does Electronic Equipment Need Insurance?

Electronic devices like smartphones, laptops, and tablets have become an essential part of our lives that we often carry them with us even while travelling. For bike riders, keeping these gadgets on the two-wheeler while commuting or touring is common, and this makes them vulnerable to theft, loss, or accidental damage. That’s where the personal electronic equipment add-on becomes valuable.

You should consider this rider in the following situations:

• If you regularly carry your laptop or phone on your bike for work. There’s always a risk of damage in case of an accident.

• When you frequently go on biking tours, carrying cameras, GPS devices, or tablets. These gadgets can be expensive to repair or replace if lost or damaged in a bike theft or mishap.

• Parking your bike in crowded public areas where the risk of gadget theft is high.

Getting Electronic Equipment Insured Under a Two-Wheeler Insurance Policy

You must know that electronic devices cannot be insured under third party two wheeler insurance. It can only be protected if you have a comprehensive plan or a stand-alone own-damage policy with a personal electronic equipment add-on.

What if My Vehicle Gets Stolen?

If your bike is stolen and your mobile, laptop, or tablet was in its storage compartment, you can file a claim for all your losses. Here is the process:

1. Register a police report:

Immediately file an FIR at the nearest police station.

2. Inform your insurer:

Notify your insurance company about the theft or damage within the time frame, usually within 24–48 hours.

3. Submit the necessary documents:

Provide your insurer with the FIR copy, insurance policy details, RC book, and proof of ownership of the stolen electronic equipment (purchase bill, payment receipt, etc.).

4. Investigation:

The insurer may appoint a surveyor to verify the theft and evaluate the claim.

5. Claim settlement:

Once the insurer receives a no-trace report from the police confirming the bike cannot be recovered, the claim is processed, and compensation is paid. The claim amount will be settled only after factoring in depreciation, meaning the compensation is based on the current value of the device, not the original purchase price.

When Can I Not Claim for Electronic Equipment?

One must make a note of the following situations in which you cannot file claims against the electronic equipment damage or loss.

1. Damage due to the owner's fault:

If the damage or total loss of electronic devices results from an accident caused due to over-speeding, driving under the influence of drugs and banned substances, or riding outside the geographical boundaries.

2. Claim filed after the deadline:

The majority of insurance companies have a time frame for filing a claim. If a person fails to raise a claim within this period, the claim will be rejected.

3. Damage to electronic equipment at any other time:

If your personal electronic equipment is damaged for reasons other than the accident or theft of your bike, the insurance claim for those gadgets will not be applicable.

To Sum it Up

Comprehensive bike insurance with a personal electronic device add-on protects both your two-wheeler and your valuable gadgets against accidental damage and theft. However, not every insurer offers this rider, so check with your insurance company regarding the add-ons they provide.

Insurance is not an area where you should cut corners. Choosing the right two-wheeler policy, paired with suitable add-ons, ensures you have the peace of mind when it comes to your finances in the event of unexpected incidents.

FAQs

1. Are data losses covered under gadget insurance?

Yes, some policies may offer coverage for data loss in case of damage to your device. However, this depends on your insurer, so always check the policy terms before purchasing.

2. Can I insure my gadgets under standalone gadget insurance?

No, gadgets usually cannot be insured under a standalone policy. They need to be covered as an add-on under comprehensive bike insurance or stand standalone own-damage policy.

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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