Bike Insurance in Gokulpury

What is own damage cover in two wheeler insurance?

Own damage cover in two wheeler insurance refers to the coverage provided for damages to your own vehicle due to accidents, theft, natural disasters, fire, vandalism, or any other incidents that result in damage to your bike. It provides financial protection to repair or replace your two-wheeler in case of such incidents, ensuring that you do not bear the entire financial burden of repairs or replacement.

Why is having own damage cover essential before going on a road trip?

Having own damage cover, commonly known as comprehensive insurance, is essential before going on a road trip for several reasons:

1. Protection against accidents: Road trips often involve long hours of driving in unfamiliar areas, which increases the risk of accidents. Own damage cover provides financial protection for repairs or replacement of your vehicle in case of accidents.

2. Protection against theft and vandalism: Leaving your vehicle unattended at rest stops or unfamiliar areas while on a road trip increases the risk of theft or vandalism. Comprehensive insurance covers the cost of repairs or replacement if your vehicle is stolen or damaged due to vandalism.

3. Coverage for natural disasters: Road trips can take you through various regions, making you vulnerable to natural disasters, such as floods, storms, or wildfires. Own damage cover provides coverage for damages caused by such events, saving you from substantial repair costs.

4. Protection for non-accident-related damages: Comprehensive insurance covers damages to your vehicle resulting from incidents other than accidents, such as falling objects, fire, or impact with animals. This coverage can be particularly useful during a road trip when you might encounter unpredictable scenarios.

5. Peace of mind: Having own damage cover gives you peace of mind while exploring new places. It allows you to enjoy your road trip without worrying excessively about potential expenses associated with vehicle damages.

It's important to note that the specific coverage may vary between insurance policies and companies, so it's advisable to carefully read and understand the terms and conditions of your own damage cover before embarking on a road trip.

Get additional protection with bike insurance add on

Adding on additional protection to your bike insurance policy can provide you with added peace of mind and financial security. Here are some common add-ons that you can consider:

1. Personal Accident Cover: This add-on provides compensation in case of accidental death, permanent disability, or bodily injury to the policyholder or any named individuals on the policy.

2. Accessories Cover: This cover protects the costly accessories and modifications made to your bike that may not be covered under the standard policy. It includes protection for items such as GPS systems, panniers, helmets, and more.

3. Zero Depreciation Cover: This add-on ensures that you receive the full claim amount without accounting for depreciation during repairs or replacement of bike parts.

4. Engine Protector Cover: This coverage protects your bike's engine and its components against damages due to water ingression, hydrostatic lock, or oil leakage.

5. Roadside Assistance Cover: This add-on provides emergency assistance in case of breakdowns, flat tires, fuel or battery assistance, towing, and other similar situations.

6. Medical Insurance Cover: This add-on covers medical expenses for injuries sustained by you or any passengers due to an accident involving your bike. It can include coverage for hospitalization, ambulance charges, and rehabilitation costs.

7. No Claim Bonus Protection: This add-on ensures that you retain your accumulated no-claim bonus (NCB) even if you make a claim during the policy term. NCB provides a discount on the premium for every claim-free year.

Remember to carefully evaluate your needs and the cost of each add-on before making a decision. Consult with your insurance provider to understand the specifics of each coverage and choose the ones that suit your requirements.