Top 10 Electric Scooter Add-Ons In Two-Wheeler Insurance

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

Top 10 Electric Scooter Add-Ons In Two-Wheeler Insurance

Electric bikes are new, useful, and becoming more and more popular. But fixes and new parts can cost a lot more than you think. When you buy bike insurance online, most plans don't cover many costs.

When this happens, smart users choose add-ons that improve their coverage and keep them from paying much money out of pocket.

1. Zero Depreciation Cover

A zero depreciation cover ensures customers get full payment for broken scooter parts. It does this without taking into account depreciation when making claims. High-value parts like battery packs and computer controllers are inside electric bikes, so this add-on is essential.
Important benefits:
● Eliminates depreciation deductions
● Covers complete repair or replacement cost
● Includes fibre and plastic parts, which are often excluded in base policies You can completely protect your bike's value by choosing zero depreciation in bike insurance. It helps a lot in the first few years of owning a home. People buying their first bike or living in areas where accidents happen a lot should definitely do this.

2. Return to Invoice (RTI) Cover

If your scooter is stolen or broken beyond repair, Return to Invoice (RTI) cover will ensure you get back the full amount of your original invoice. Like regular payment, RTI pays the on-road cost instead of the reduced market value. This lowers the financial loss.
Why is it worth something?:
● Gets back the full amount of the bill, which includes taxes and registration fees
● Best for bikes that are less than 3 years old
● This is very important in case of theft or complete loss RTI in bike insurance fills in the gaps in normal plans' coverage. It is a must-have for people who depend on their bike for daily transportation or who have many items to buy at once.

3. Roadside Assistance (RSA) Cover

Anywhere and at any time, breakdowns can happen. Especially electric scooters, whose batteries can die, controllers can break, or there are other minor electrical problems. RSA coverage gives you on-demand services to make sure you're never stuck.

What does it cover?
● Flat battery recharge
● Towing services to the nearest workshop
● Minor on-site mechanical fixes This add-on improves your electric scooter insurance by giving you extra peace of mind and quick help in an emergency. It is beneficial for people who travel daily or ride long distances and can't afford to be interrupted by problems coming out of the blue.

4. Engine Protection Cover

The electric motors, electronic control units (ECUs), and battery management systems in electric scooters are just as important as bike engines. Engine safety covers harm from water getting in, power surges, and short circuits, which basic plans don't always cover.

Coverage includes:
● Damage from floods or water
● Short circuits and other electrical problems
● Costs of labour and repairs This add-on usually goes unnoticed, but it's beneficial because it protects the scooter's expensive internal parts. This coverage is crucial to a comprehensive bike insurance plan if your area gets a lot of rain or flooding.

5. Tyre Protection Cover

One of the parts of a bike that gets broken the most often is the tyre. This add-on covers the costs of damage caused by accidents or mistakes in the making process. This is very important for electric scooters because the tyres' specs and quality are more precise.
What does it include?
● Punctures, cuts, and sidewall bulges
● Costs of replacement and labour
● Excludes natural wear and tear You can escape high repair costs by adding this to your scooter insurance. It also ensures you never get bad tyres after an accident, which could compromise safety and efficiency.

6. Consumables Cover

Most insurance plans don't cover the cost of replacement parts used during fixes. But these costs can add up quickly, especially for electric scooters that need special parts and ways to fix them. Included consumables:
● Nuts, bolts, grease, washers, and coolant
● Lubricants used during battery cooling or suspension checks

If you buy bike insurance online, this add-on will help you save money on part replacements. It makes sure that every small part used in the fix is found. It makes the claim process go more smoothly and minimises out-of-pocket costs.

7. Personal Accident Cover for Pillion

Riders are usually covered in case of an accident, but guests aren't unless you add a pillion rider cover. This add-on gives money to the pillion's family if they die, become permanently disabled, or need medical care.

Benefits of coverage:
● One-time payment for accidental death
● Reimbursement for medical costs
● Extended coverage for family members Your loved ones who ride with you often will be safer if you add this to your third party bike insurance or complete cover. It works well for family commutes or shared rides.

8. Battery Protection Cover

Alternating voltage, heavy discharge, or water contact can damage the battery, which is the most expensive part of an electric bike. Damages like these won't cost you much money because of battery security.

Coverage highlights:
● Battery replacement or repairs
● Protection against damage from liquids and problems inside
● Includes charges for work and tests

If you add this to your bike insurance, it will work well for a long time and save you the high cost of new batteries, which can sometimes be as much as 40% of the scooter's value.

9. Invoice Shield Cover

It's like RTI, but the billing screen covers more things. It includes the cost of the scooter itself as well as any extra parts, equipment, or fees for registering it. In the event of theft or total loss, you get back the whole amount you invested.

Some benefits are:
● Covers on-road price and registration charges
● Ideal for scooters with aftermarket upgrades
● Protects high-value accessories like smart displays This add-on is better than RTI if you have changed your scooter after buying it. It gives you even more financial security under your third party bike insurance. It ensures that a total loss doesn't mean a total loss of money.

10. EMI Protection Cover

If someone steals or badly damages your scooter while you have it on loan, you will still have to pay your EMIs. This add-on pays back your EMIs for a certain amount of time, which helps you relax financially while you heal.

Key features:
● Covers EMI payments for two to three months
● Useful in the event of complete loss or lengthy fixes
● Works with most banks and lending companies

This add-on benefits paid people or business owners who need to be mobile. Paired with NCB in bike insurance, it gives you a complete financial safety net in an emergency.

Check out our in-depth guide on NCB Protection Add-on Cover for Your Two-Wheeler for more information on how to keep your bonus safe.

Conclusion

Keeping your electric scooter safe requires more than just comprehensive bike insurance. Because fixing batteries, motors, and other specialised parts costs a lot, choosing essential add-ons is not a choice; it's a requirement.

Smart riders add these smart covers to their insurance for the best safety, peace of mind, and easy rides. Make a smart choice and keep your electric ride safe from the unexpected.

FAQs

1. Is it possible to buy these extras separately at any time during my policy term?
No, most insurance companies require you to buy extras when you start or update your policy.

2. Does the security for the battery cover normal wear and tear?
Not at all. There is security for unintentional damage, electrical failures, and damage from water getting into the battery, but not for regular wear and tear.

3. How much does EMI security cost?
Not all the time. EMI security usually adds a small percentage to your rate, but it can save you a lot of money if your scooter gets stolen or damaged and you can't use it.

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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