What rider does not want a ride that matches their needs & preferences? Adding accessories and customisations to bikes to increase their utility and functionality is a common process today. However, have you ever taken a moment to stop and consider insuring these valuable additions?
What is the benefit of accessory insurance?
Rider Pedals, Bluetooth Devices, Custom Lights, Fitted Seat Kits - these are just some of the customisations accessories preferred by riders today. Expensive as they are, it is a good idea to pay a small fee to the insurance company to add Accessories Cover for Bike to your existing current bike insurance.
Once insured, the Insurance company will accept and reimburse claims of damages related to your custom accessories greatly reducing the financial load of repairs and replacements on your bank account.
Why Buy Bike Insurance with Accessories Coverage?
Despite being covered under a comprehensive plan, any damages claimed on a customised bike with accessories will not be reimbursed for the expenses incurred for the said accessories. Essentially, you are paying out of pocket to replace all your custom accessories - however, by paying for Add-on Insurance, you can have the Insurance Company cover the expenses related to accessories.
How to get Two Wheeler Insurance with Covered Accessories?
Don't leave your bike's protection to chance. To ensure comprehensive coverage, it's vital that you provide an accurate estimate of the total cost of accessories your bike is equipped with at the time of purchasing the insurance policy. This way, you can have peace of mind knowing that your bike is fully protected from any unforeseen circumstances.
Why is Accessories Cover Important?
If you've added any cool accessories to your bike like a helmet lock, riding gear, bike cover, or a USB charger for your smartphone, it's important to get an accessories add-on cover. This will make sure that your extra accessories are covered and protected in case of any unfortunate events.
Basic two-wheeler insurance plans don't usually cover these additional accessories, especially if they're high-end and electrical. So, to get complete coverage, you need to opt for an accessories cover add-on.
The list of Accessories covered under Bike Insurance
While the specifics differ from one insurance provider to another - most policies include these additional accessories: helmet lock, riding gear, bike cover, smartphone USB charger, seat overs, riding pedals, custom rain guards, dirt covers, etc.
Frequently Asked Questions
Are accessories covered under insurance for bikes?
Ans: Hey there! If you have added some cool accessories to your bike, then you not only have additional protection but also an increase in its value. However, these accessories are also the most vulnerable items in case of an accident or mishap. So, it's always a great idea to consider insuring them, especially if they are expensive and of high quality.
However, you should know that standard bike insurance policies, whether it is a standalone own-damage bike insurance plan or a comprehensive bike insurance plan, do not cover damages to your bike's accessories. But hey, don't worry! You can protect your bike's accessories by adding an Accessories Cover to your bike insurance policy as an add-on.
What is not covered by bike insurance?
Ans: We understand that you may have additional accessories attached to your two-wheeler that you want to protect. However, it's important to know that a standard insurance plan does not cover these accessories such as helmet locks, riding gear, bike covers, smartphone USB chargers, and other high-end non-electrical and electrical accessories. To ensure that your accessories are safeguarded, you can opt for an accessories cover add-on. We want to make sure that you have the coverage you need to feel confident and secure while riding your bike.
What does accessory coverage cover?
Ans: It's important to note that a basic two-wheeler insurance plan doesn't cover additional accessories like a helmet lock, riding gear, bike cover, smartphone USB charger, and other high-end non-electrical and electrical accessories. If your vehicle has such accessories, you'll need to opt for an accessories cover add-on to ensure that they're protected.