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Different Types of Add-On Covers in Two-Wheeler Insurance
Most of us are more than happy with the comprehensive two wheeler insurance for our beloved two-wheeler, for we believe that it covers all our insurance needs. Or does it?
Well, let’s put it this way. You order your favorite pizza, which tastes good anyway. But wouldn’t it taste better if you add some extra toppings of our choice, maybe a few more olives or pickled peppers, or perhaps a couple of drops of some Tabasco sauce? Now, your mouth is really watering, isn’t it! 😊
It’s the same when it comes to your two-wheeler comprehensive insurance. Insurance companies offer you an array of add-ons that you can pick and choose to make your comprehensive insurance cover, well, more comprehensive!
So, here are the add-on covers that we suggest you take when it comes to your two-wheeler insurance policy. Do note though that these add-ons come at a negligible premium over and above your basic insurance policy. But don’t worry, it’s not going to burn a hole in your pocket, and besides, it’s worth every penny!
What is Add-On Cover in Bike Insurance?

Add-ons in two-wheeler insurance mean the additional protection that you can get with your bike insurance policy. These are extra covers offered by the insurance company, available at an additional premium, that provide coverage for a specific purpose that is not included in the standard policy plan.
For example, an engine protection cover safeguards your bike’s engine against damage caused by water ingress or oil leakage, or a roadside assistance cover helps in case your bike breaks down in the middle of the road.
By opting for these bike insurance add-ons, you can tailor your insurance coverage and enhance it as per your needs!
Also, you can use the Two-Wheeler Insurance Premium Calculator to calculate the bike insurance premium with add-ons.
Bike Insurance Add-On Covers Available with Digit Insurance
Here are different types of two-wheeler insurance add-ons offered by Digit, which you can buy with a comprehensive or own damage insurance policy.
Think of it like an effective anti-aging cream for your bike and its parts. Usually, the required depreciation amount is always taken into account during claims. However, a zero-depreciation cover ensures no depreciation is taken into consideration, so you get the full value of the cost of repair/replacement during claims.
If you fall into a situation where your bike is stolen or damaged beyond repair, this add-on comes in handy. With return to invoice add-on, we will cover the costs of getting you the same, or similar bike, including the road tax and registration fees for the same
Do you know that the cost of replacing your engine is approximately 40% of its cost? In a standard two-wheeler insurance policy, only damages caused during the accident are covered. However, with the engine and gearbox protection add-on cover, you can specifically cover the life of your vehicle (the engine and gearbox!) for any consequential damages caused post the accident. This could happen due to water regression, leakage of lubricating oil, and undercarriage damage.
The add-on of consumable cover adds an additional shield to your two-wheeler. Covers the cost for all your bike’s nitty-gritties, such as the engine oils, screws, nuts and bolts, grease, etc., in the event of an accident.
The roadside assistance add-on ensures we’ll always be there for you and your two-wheeler in case of any breakdowns. The best part? Asking for our help doesn’t even count as a claim.
The tyre protect add-on cover is offered only to vehicles fitted with run-flat technology. As part of it, the cost of replacing damaged tires with ones equivalent or near equivalent to the ones being used in the vehicle, labor, and wheel balancing charges can be reimbursed. However, claims made under the add-on cover are subject to conditions set forth under the vehicle insurance policy.
The add-on cover of daily conveyance benefit will ensure that you are compensated for your transportation cost during the period when the two-wheeler is under repair, subject to applicable time excess. A policyholder can be compensated in the form of a fixed allowance per day or coupons from taxi operators for an amount equal to the per-day fixed allowance.
This EV Shield add-on cover for electric two wheeler in India will protect you and your vehicle against any loss or damage to the electrical panel for the vehicle charging point and the vehicle charger, including the charging cable, and offer roadside assistance services specific to EVs.
Benefits of Bike Insurance Add-on Covers

- Two-wheeler add-on covers provide additional protection, covering specific risks and expenses that may not be included in the standard policy.
- Add-on covers for bike insurance allow you to customize your standard insurance policy as per your budget and specific needs.
- Add-on covers like zero depreciation help you to save out-of-pocket money at the time of claim, as with this add-on, the cost of depreciation is not included. This also increases the resale value of the bike.
- Some add-on covers also provide additional benefits, such as 24/7 roadside assistance when your bike gets into an accident or breaks down in the middle of nowhere, a feature which is not usually included in standard insurance plans.
- Bike insurance add-on covers, thus, offer convenience and peace of mind while riding, as two-wheeler owners know they are financially protected in all situations.
FAQs about Add-ons in Bike Insurance
What is an add-on in a two-wheeler insurance policy?
An add-on cover in two-wheeler insurance is extra coverage you can buy to enhance your standard insurance plan, which are available at an extra premium.
What is the benefit of buying add-on covers in two-wheeler insurance?
Add-ons help to enhance the coverage of your standard insurance plan and protect you in various specific situations, thus offering you peace of mind.
Do add-ons have any effect on the bike insurance premium?
Yes, opting for add-ons will increase your premium. However, they are usually cheap and provide good value for the extra cost.
Is there a limit on the number of bike insurance add-ons I can purchase?
No, there is no limit, and you can buy as many add-ons as you want with your bike insurance policy.
Is it necessary to have a two-wheeler add-on cover?
No, add-ons are not mandatory, but one should buy them for extra coverage for your bike insurance policy.
What documents are required for add-on covers in two-wheeler insurance?
No, you don't need any extra documents to buy add-ons. You can add them when you buy your bike insurance by paying a small extra premium.
What are the different types of add-ons in two-wheeler insurance available with Digit?
There are many add-ons available for bike insurance, such as:
- Zero Depreciation
- Consumable Cover
- Roadside Assistance
- Engine and Gear Protect, etc.
Is there any special claim process for add-on cover?
No, the claim process for add-ons is the same as for the standard bike insurance plan.
What things should I remember before buying a bike insurance add-on?
Before buying an add-on, check its coverage, additional premium amount, features, and extra benefits.