Bike insurance is essential for your bike’s security and offers flexible coverage as per your needs and budget. However, you need to understand that there are certain risks and situations that your insurance policy cannot cover.

This is where add-on covers step in and help you get extra coverage for certain bike parts and unforeseen risks. When you buy insurance for your bike or during your two wheeler insurance renewal, you can add one or more add-ons to your policy and get the necessary coverage for your bike.

Since add-on covers come with additional prices, you can use a bike insurance calculator to find out the premium amount after adding the extra covers.

 What is an Add-on Cover?

Add-on covers are optional and additional covers that offer an added layer of security to your bike. These covers can be purchased in addition to your comprehensive bike insurance policy but are unavailable with a basic third-party liability plan.

At an additional cost, you can add one or more add-ons to your standalone or comprehensive policy so that certain risks that your base policy does not cover can also be secured.

 How Do Add-on Covers Impact Coverage?

Add-on covers have a significant impact on coverage by providing additional layers of protection to enhance the scope of a comprehensive bike insurance policy. While a comprehensive plan already offers extensive coverage for accidents, theft, natural calamities, and third-party liabilities, add-ons allow for further customisation and tailored protection.

For example, add-ons like the Zero Depreciation cover negate depreciation calculations, resulting in higher claims, while Engine Secure covers the cost of replacing or repairing the bike’s engine.

All two-wheeler insurance add-on covers serve to expand and enhance the coverage of a comprehensive policy, offering you protection against various contingencies.

 Popular Bike Insurance Add-ons

Here are some popular add-ons you can consider including in your bike insurance policy:

  • Zero Depreciation: This cover ensures that the calculation of depreciation is not applied to your claim payout, resulting in a higher claim amount.
  • Pillion Rider: This add-on covers the pillion rider in case of accidental injuries. If you have someone riding on the pillion often, you can consider this add-on.
  • Engine Protection: This cover is specifically designed to protect the bike’s engine, especially in areas prone to frequent flooding.
  • Roadside Assistance: You can contact your insurer if you and your bike are stranded somewhere. You can get mechanic or towing service assistance.

If you buy bike insurance online from Tata AIG, you can choose from various add-on covers for your comprehensive insurance plan. And if you are concerned about the increase in the premium amount, you can use their bike insurance calculator to gauge and calculate the total premium payable.

 Important Things to Remember when Purchasing Bike Insurance Add-on Covers

When including an add-on cover in your two-wheeler insurance plan, keep these points in mind:

  • Read the policy: Thoroughly review the terms and conditions, inclusions, and exclusions of each add-on cover. Understand what is covered, the claim process, and any limitations or conditions associated with the add-on.
  • Assess your needs: Identify the specific risks and requirements related to your bike and riding habits. This will help you determine which add-on covers are essential for your situation.
  • Consider affordability: Evaluate the cost of each add-on cover in relation to its benefits. Assess whether the additional premium is reasonable compared to the potential coverage and protection it provides.
  • Prioritise necessary covers: Choose add-ons that address your most crucial needs. While it may be tempting to include multiple add-ons, focus on those that offer significant value and align with your requirements.
  • Understand coverage limits: Be aware of the coverage limits and maximum claim amounts associated with each add-on cover. Ensure they are adequate for potential losses or damages you may incur.
  • Renewal and expiration: Note each add-on cover’s renewal process and validity period. Timely renewal is crucial to maintain continuous coverage and avoid any lapses in protection.
  • Compare options: Compare add-on covers offered under policies. Look for variations in coverage, benefits, and premium prices to find the best option that meets your requirements.


Add-on covers are not compulsory inclusions under your policy, nor do they come along with the base policy. It is up to the policyholder to decide which optional covers they need for their bike. Accordingly, they can pay the premium for the cover along with the base policy premium and obtain additional protection for their two-wheeler!