Riding a two-wheeler gives a sense of freedom and adventure that no four-wheeler can match. However, two-wheelers can also be more vulnerable on roads than cars, making having a comprehensive two-wheeler insurance policy essential.

But with so many insurers and policies, how does one get adequate coverage? This article offers an ultimate checklist of what you must look for in a two-wheeler insurance policy before buying it.

The ultimate checklist for bike insurance

A bike insurance policy can protect against financial losses from bike damage, accidents, theft, and liability. Proper two-wheeler insurance policy is required by law in most places and also provides peace of mind. Some key features and benefits bike insurance include:

Here’s an ultimate checklist that bike insurance buyers in India can consider:

Check the coverage offered

While comparing insurance policy quotes, closely examine the coverage offered by each policy. Try checking all the risks that these policies can cover. Also, verify policy features like personal accident cover for self and the pillion rider, coverage for third-party property damage, etc. Getting a policy with maximum protection coverage can ensure enhanced financial security.

Analyse exclusions

Apart from the coverage, it is also essential to check the exclusions, i.e. conditions under which claims will not be payable by the insurer. For instance, bike insurance policies may exclude coverage for damages due to terrorism, drunken riding, etc. Be aware of such exclusions so that there are no surprises later when you need to file a claim.

Evaluate add-on covers

Along with the elemental own damage and third-party cover, bike insurance policy buyers should also evaluate useful add-on covers that insurers in India usually offer. Some practical examples include depreciation cover, engine protection, consumables cover, roadside assistance, etc. These add-ons can further enhance the coverage of your bike insurance policy.

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