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Let’s imagine you buy a computer. You will be recommended to purchase some additional add-ons such as a UPS supply, a power supply, additional RAM, a graphics card, etc. Such add-ons will increase the efficiency of the computer. Purchasing these add-ons is at your discretion.
In a similar way, add-ons are available for bike insurance too. These add-ons can be added to your existing policy, and their primary purpose is to widen its coverage.
Is it possible to include add-ons to all bike insurance policies? How do you add these to a policy? All of these questions and more shall be discussed in this article.
When you buy bike insurance, the basic policy usually covers accidents, theft, and a few standard damages. But riding and maintaining a bike involves more than just these situations. That’s where add-ons come in.
Think of add-ons as small extra covers you can attach to your base insurance policy. Each one is designed to handle a specific need that isn’t part of the regular insurance coverage. For example, there are add-ons that pay for consumables like nuts, bolts, and engine oil during a repair. Others help with zero depreciation, roadside assistance, or even personal accident cover for the pillion rider.
The point is simple. Add-ons let you shape your policy to fit your riding habits and the risks you care about most. You don’t have to take them all. You pick and choose what makes sense for your bike and your peace of mind.
A standard policy will take care of the basics, but it has clear limits. If you’ve ever had a repair bill in hand, you know how quickly small parts and consumables add up. Many of these expenses are not covered by default. That’s where an add-on fills the gap.
Add-ons protect you from spending out of pocket on things that your regular plan leaves behind. For instance, a zero depreciation add-on makes sure you get the full claim amount without deductions for wear and tear. A consumables add-on pays for the tiny but necessary items that keep your bike running after an accident. And roadside assistance is a lifesaver when you’re stranded far from home.
It comes down to choice and control. With add-ons, you can turn a basic insurance policy into something that actually works for the way you ride and the challenges you face. Instead of stretching your budget every time an uncovered cost shows up, your policy steps in and covers it.
Different add-ons are available for bike insurance, and each of them serves a unique purpose. It is important to note that add-ons will result in an additional premium.
Here are some add-ons you can purchase with bike insurance -
Please Note That The Add-Ons May Vary From Insurer To Insurer.
Let’s discuss them in detail.
Depreciation is the loss in value of a vehicle over time due to age, wear and tear. So, the value of your bike decreases each year. And, when you file a claim with your insurer, they shall pay you the claim amount after deducting the depreciation of the damaged parts.
If you opt for the zero-depreciation add-on, the insurance company will waive off depreciation when paying the claim amount under your bike insurance policy. As a result, you will receive a higher claim amount.
In case your bike breaks down or suffers a mechanical failure which leaves you stranded on the road, you can use the Roadside Assistance Cover to get on-road assistance from the insurance company.
The following services are provided -
Fuel Supply
If your bike is unable to run due to a lack of fuel and there is no fuel station nearby, you can contact the insurance company. They will make the necessary arrangements for fuel supply.
Tyre Change Support
In the case of a flat tyre, your insurance company will send a mechanic to change the tyre or tow your bike to a nearby garage if there isn't a spare tyre available.
On-Site Minor Repair
If your vehicle suffers minor mechanical or electrical problems, such as a faulty spark plug or fuse, the insurer will send a mechanic to the spot to repair the bike. This won't require the bike to be towed.
Towing Facility
Your bike cannot be repaired on the road if it encounters serious mechanical or electrical issues. As it needs major repair work, the insurer will immediately send the mechanic to the scene, who will then take the vehicle to the garage.
Please note that this is an indicative list. There might be more services provided under this cover. The services may vary from insurer to insurer.
For example, Isha was riding her bike in a somewhat deserted area. Her bike’s tyre got punctured because of broken glass pieces on the road. She had a Roadside Assistance Cover with her insurance policy, and immediately called her insurer for assistance. They sent over a mechanic to the spot, who then replaced her tyre then and there.
The engine is the most crucial part of a vehicle and any damage to it will cause a dent to your wallet. Usually, any damage to the engine is not covered by the bike’s comprehensive insurance policy.
The Engine Protector Cover protects you from these expenses. It covers damages or loss caused to the bike’s engine, due to oil or coolant leakage, water logging, damage of the engine or gearbox. It may also cover the cost of the replacement of the engine or its parts.
For instance, Raj's city faced heavy flooding because of excessive rains. His bike’s engine suffered severe damage due to water logging. However, since he owns an Engine Protector Cover with his policy, the costs for repairing the engine shall be borne by his insurance company.
Generally, a bike insurance policy doesn't cover consumables like nuts, bolts, oil, etc.
However, when you opt for a Consumables Cover, the insurer will not factor in the consumable costs while settling the claim. They will be borne by the insurer.
In the event that a key is lost, damaged, or stolen, a key protector cover will cover the replacement costs. Moreover, this add-on also covers the cost of replacing or repairing the lockset.
For example, Mehak discovered that her bike's lock-set was damaged, and the key didn’t fit in. She decided to replace it. However, since she owned a key replacement cover for her bike, the insurance company compensated her for the entire cost of replacing the lock set.
Insurance companies provide coverage based on the current market value of the vehicle, also known as the Insured Declared Value (IDV). The IDV of the bike factors in depreciation value.
The value of the bike depreciates as soon as it leaves the showroom. This implies that if the bike suffers damage beyond repair or gets stolen, you will receive the depreciated amount, not the original value of the bike.
However, if you opt for a return to invoice cover, you will receive the total invoice value of the bike, i.e. the original value, in case of theft or total loss of a car. Bikes less than 3-5 years old are eligible for this cover.
It is the most important add-on and there are two types under this category -
Personal Accident Cover For The Owner-Driver
A Personal Accident Cover provides financial protection against any accidental death or disability. The compensation shall be provided according to the limit stated in the policy.
It is mandatory, as per vehicle norms, for all bikes to have a Personal Accident Cover with a minimum of ₹15 lakhs coverage. Nevertheless, if you already have a personal accident cover of 15 lakhs for your existing vehicle, you need not buy this cover separately for your bike.
For example, Nidhi purchased a Personal Accident Cover of Rs 15 lakhs along with her existing bike insurance policy. Several months later, while driving to work, a bus hits her bike, which leaves her permanently disabled. The insurance company will pay Nidhi a fixed amount as specified in the policy.
Personal Accident Cover For Passengers
A Personal Accident Cover for passengers protects the pillion rider or passenger in case of any accidental death or disability. Although this cover is not mandatory, it is important to protect anyone riding with you.
For instance, Rahul and Soham were travelling on Rahul's bike when they suddenly met with an accident. Soham, the pillion rider, sustained a major spinal injury, causing permanent disability. Since Rahul had a Personal Accident Cover for the passenger with his insurance policy. Soham will also be compensated according to the policy limit.
Buying bike insurance is one thing. Making sure it actually covers your needs is another. That’s why add-ons matter so much. They take a simple plan and give it depth, protecting you in ways the base cover cannot. In 2025, these are the add-ons that most riders in India should seriously consider:
Repairs are costly, and depreciation deductions make claims even lighter. A zero depreciation add-on ensures you get the full value of replaced parts without cuts for wear and tear. If you own a new or high-end bike, this one pays for itself.
A flat tire or sudden breakdown can happen anywhere. RSA gives you immediate help with towing, fuel delivery, battery jump-starts, or even on-the-spot repairs. It keeps your journey from turning into a headache.
Nuts, bolts, engine oil, and lubricants might look small, but they pile up quickly during repairs. This add-on covers those costs, which are usually left out of standard policies. It saves you from paying extra for essentials.
Floods and waterlogging are a common worry in many cities. Regular insurance won’t pay for engine damage caused by water or oil leaks. This add-on does, and it’s especially valuable in monsoon-prone areas.
Your passenger deserves the same safety net you have. This add-on extends accident coverage to them, offering financial security in case of injuries or worse.
Each of these add-ons tackles a real-world gap that a basic policy leaves behind. Together, they turn insurance into something far more practical for everyday riding.
On average, popular add-ons like Zero Depreciation and RSA cost less than Rs. 3 per day. For the price of a cup of tea, you can protect yourself from expenses that easily run into thousands.
Enhancing your bike insurance with the right add-ons is simple with SMC Insurance. The process is designed to be simple, fast, and tailored to fit your needs.
Begin by providing basic information about your bike, such as the model, year, and registration details. This allows the system to display add-ons that are compatible with your bike type and riding habits.
Review the available add-ons, understanding what each covers and how it affects your premium. You can select the add-ons that best suit your bike and budget.
After selecting your add-ons, confirm your purchase. Your policy, complete with add-ons, will be delivered to your inbox immediately.
Selecting the appropriate add-ons depends on your bike and riding style. For instance:
Evaluate your past repair costs and potential risks, and align them with your budget to choose add-ons that fill the gaps left by your basic policy.
Need Help Choosing Add-Ons? Talk to Our Insurance Experts
If you're uncertain about which add-ons best suit your needs, our insurance experts are here to assist you. Reach out for personalized guidance to enhance your bike insurance coverage.
Here are some common myths regarding add-ons in your bike coverage:
Many riders assume add-ons cost a fortune. In reality, popular options like Zero Depreciation or Roadside Assistance can cost as little as Rs. 1.3 per day. For example, third-party motor insurance for private electric two-wheelers of not more than 3KW (non-commercial) is priced at Rs. 457 per annum, which translates to approximately Rs. 1.3 per day.
A standard policy covers accidents and theft but often leaves gaps. Add-ons like Zero Depreciation Cover, Engine Protection, and Consumables Cover address specific risks not included in basic policies.
Older bikes face risks like engine wear, parts replacement, and breakdowns. Add-ons such as Engine Protection and Consumables Cover are beneficial for both new and old bikes.
With platforms like SMC Insurance, add-ons can be compared, purchased, and managed online in minutes. There's no complicated paperwork or long waiting periods.
The process of enhancing your existing insurance policy with add-ons is relatively easy. Here are the steps you should follow -
Examine Your Existing Policy
To begin with, take a close look at what your current policy covers. You can then choose the add-ons that address the needs that aren't covered by your policy
Contact Your Insurance Agent
If you have purchased your existing policy from an insurance agent, get in touch with them and inform them about the add-ons you wish to purchase. They will add the same to your policy.
Visit The Insurer's Website
When you buy bike insurance from an insurer's website, you can view the add-ons on the same page. Analyse the features available and ensure that your needs align with those offered by the add-on. You can click on your desired add-on from the list displayed on the screen, and it will be automatically added to your policy. The premium will be adjusted based on the add-ons chosen.
So, these are some of the add-ons that are available for two-wheelers. Take some time to assess your needs, preferences, and requirements before you zero in on your desired add-on. When you choose an add-on, you are required to pay an additional cost to add it to your policy.
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Simple Process
The company is wonderful insurance platform providing multiple policies under 1 roof. Experience in purchasing the policy is very good. Experts guides you very well
Easy Renewal process
The process to renew my 2-wheeler policy is indeed very quick and easy. Got it done in just 10 minutes. Thanks.
Quick Response
I thought let me renew my two wheeler policy with SMC and see the experience. The experience was good and simple, the only gap which I felt was that the details of the vehicle did not come up after mentioning the vehicle number.
No, add-ons are optional. You can choose the ones that suit your bike, riding habits, and budget.
Yes, some add-ons are available with third-party insurance, but the options are usually limited compared to comprehensive plans.
Not significantly. Most popular add-ons cost just a few rupees per day. For instance, Zero Depreciation Cover can cost between Rs. 300 and Rs. 1,000 annually, while Engine Protection can range from Rs. 250 to Rs. 750 annually.
Yes, renewal is the perfect time to review your needs. You can add new covers or remove ones you no longer need.
Zero Depreciation Cover is the most sought-after add-on, followed closely by Roadside Assistance and Consumables Cover. These options provide real financial protection for common risks.
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SMC Insurance Brokers Pvt. Ltd.
Parsvnath Metro Mall, Near Pratap Nagar Metro Station, Pratap Nagar, New Delhi-110007
Registration No: 289, Registration Code No: IRDAI/DB-272/04/289, Valid till: 27/01/2026, License category: Direct Broker (Life & General), CIN: U66000DL1995PTC172311
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