Accessories Cover In Bike Insurance: What’s Included and What’s Not

Yoursquove just installed brandnew LED headlights on your bike and added sleek crash guards that make it look like a beast on the road Riding through the city heads turn and you feel a sense of pride in your upgraded ride But as you park your bike outside a cafeacute you canrsquot help but wonder What if someone scratches it or worse steals these newly installed accessories Does your bike insurance cover these extras or would you have to bear the cost yourself This article answers all your questionsUnderstanding Standard Bike Insurance CoverageBike insurance is generally classified into two types1 ThirdParty Liability CoverThis provides financial protection if you injure another motorist or pedestrian or damage their property2 Comprehensive CoverA comprehensive bike insurance policy offers more extensive protection It not only covers thirdparty liabilities but also provides coverage for damages to your own bike due to fire natural disasters accidents or theft Additionally it includes personal accident cover which takes care of medical expenses if the rider sustains injuries in an accidentWhile a comprehensive policy covers factoryfitted parts it doesnrsquot automatically include aftermarket accessoriesWhat Are Accessories in Bike InsuranceAccessories in twowheelers are classified into two main categoriesElectrical AccessoriesThese include enhancements like LED lights music systems GPS devices and other electronic additions that improve the bikersquos functionality or appearanceNonElectrical AccessoriesThese comprise modifications such as custom seats alloy wheels saddlebags or crash guards These upgrades are primarily for aesthetics safety or utilityDoes Your Insurance Cover AccessoriesThe short answer is noyour standard comprehensive bike insurance plan only covers factoryfitted parts If you have installed aftermarket accessories yoursquoll need to purchase an accessories addon cover to protect themAddOn Covers for AccessoriesAddons also known as riders can be purchased when you buy or renew your bike insurance policy for an additional premium However if you have only a thirdparty liability policy you wonrsquot be eligible to add accessories coverage or any other addonsIllegal Modifications Not CoveredItrsquos important to note that certain modifications are considered illegal in India If you install these your insurer wonrsquot cover them and the Regional Transport Office RTO may impose heavy fines Examples of illegal modifications includeLoud exhaust systems designed to amplify engine noise or powerAdding extra wheels or sidecars to increase seating capacity or stabilityOversized tyres such as extrawide or fat tyresChanges to the bikersquos braking system seating capacity or engineHow to Claim for AccessoriesIf you have an accessories addon cover and need to raise a claim follow these steps1 Notify Your InsurerContact your insurer immediately after the damage or loss occurs Most insurers offer a 247 helpline for assistance2 Submit a Claim FormProvide a completed claim form along with evidence of the incident such as an FIR for theft or photographs of the damage Include invoices for the accessories3 Inspection by the InsurerYour insurer may inspect your bike to assess the damage or verify the claim4 Approval and ReimbursementOnce approved the insurer will either reimburse you for the accessories or arrange for repairs or replacementsTips to Protect Aftermarket AccessoriesTo minimise the risk of theft or damage and reduce the need to raise a claim follow these tipsPark Securely Always park your bike in welllit secure areas preferably under CCTV surveillanceInstall an Alarm System Fit your bike with an alarm that triggers a loud sound if tampered with Modern systems can even send alerts to your phoneUse a GPS Tracker A GPS tracker allows you to monitor your bikersquos location in realtimeCheck Bolts and Screws Regularly inspect the bolts screws and locks holding your accessories as vibrations from riding can loosen them over timeBuy WarrantyProtected Accessories Opt for accessories that come with a manufacturerrsquos warranty for added peace of mindConclusionYour twowheeler is more than just a machineitrsquos an extension of your personality and passion Each accessory you add reflects your investment in making your rides more stylish and enjoyable However these enhancements are vulnerable to theft or damageTo protect your aftermarket upgrades ensure they are covered under your bike insurance policy by opting for an accessories addon cover Whether itrsquos sleek crash guards custom seats or advanced GPS systems these addons offer peace of mind and ensure yoursquore prepared for the unexpectedWith the right coverage your comprehensive bike insurance can safeguard not just your bike but also the accessories that make it uniquely yours

Accessories Cover In Bike Insurance: What’s Included and What’s Not

Understanding Standard Bike Insurance Coverage

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Home / Buzz / Article / Accessories Cover In Bike Insurance: What’s Included and What’s Not

Accessories Cover In Bike Insurance: What’s Included and What’s Not

Understanding Standard Bike Insurance Coverage

Other Articles

Mid-Day Fast