Every individual is different in their own way. People have different choices, characteristics, and desires. When a person buys something, their taste and preferences are often reflected. This is especially true when people choose their bikes. Most bike riders feel very strongly about their bikes and want them to reflect their personality. And this makes a lot of sense. When you are riding something every day, you want it to be true to yourself. So when people choose bikes specific to themselves, it should be no surprise that they also want their bike insurance to be specific to them. Individuals are the best judge of how they will use their bikes, so they often know what they want in their two-wheeler insurance. However, not all pre-made plans may have what a person wants, making the customization of third-party two-wheeler insurance important. If you want to customize your bike insurance online, just read on to know what to do.
How to Customise Bike Insurance?
Customizing two-wheeler insurance has become easier than ever with online insurance for two-wheelers. A person now has the chance to browse various plans on their own before coming to a stop on a plan that best suits their needs. Furthermore, when people buy bike insurance online, they get to call the shots on what features their policy should or should not have. However, before we talk about customizations that can be made to online insurance for two-wheelers, let us first understand the different types of bike insurance. Only when we know the base can we start building on it.
Third-Party Insurance
As an individual other than the carrier and the insured is the insurance plan’s beneficiary, this insurance policy is known as “third-party” insurance. It’s critical to remember that this plan does not offer any benefits to the insured and only insures the insured individuals’ legal responsibility for any death or injury inflicted on a third party person, as well as any destruction or harm caused to that third party’s assets by the insured vehicle. Additionally, neither the bike owner nor the bike itself is covered for personal accidents under this policy. The government has now mandated that all third-party insurance needs to be long-term two-wheeler insurance.
Comprehensive Insurance
In terms of coverage, both third-party and own damage is covered by comprehensive bike insurance coverage. Natural disasters, break-ins, theft, rioting, and terrorist activities, in addition to damage experienced while traveling, can all result in damage occurrences. The comprehensive bike policy does not cover intoxicated loss of personal property, unintentional loss, or operating a vehicle.
Once you choose between these two main types of insurance available in India, you can opt for two-wheeler insurance add-on covers to customize your plan per your needs. However, you must remember that add-ons come at an extra premium.
Some add-ons you can opt for include,
 Own Damage Policy- While the remainder is optional, standalone own-damage insurance primarily covers losses stemming from theft and natural disasters. You can further customize it to cover a greater variety of losses.
Roadside Assistance- A cover like roadside assistance is a great aid to have. It comes in handy when you are on an isolated road with no help in sight and your bike breaks down or meets with an accident. In such a case, you can call on your insurance provider to help you when you have roadside assistance cover.
Engine Cover- One of your bike’s most important parts is its engine. However, comprehensive insurance does not cover engine damage. You can then use the motorcycle Engine Cover to your advantage. If you choose this add-on, your provider will pay for the expense of repairing or changing the engine equipment.
Pillion Rider Cover- Â If you have this cover and happen to meet with an accident that hurts your pillion rider, your insurance will cover their treatment costs.
Summing Up
We have only mentioned a few of the many add-ons that are available in the market. You can go to your insurance provider’s website and choose the add-on you think is important. When buying your policy online, you can choose whichever add-on you wish for, so do thorough research to understand which policy types and add-ons are most suitable.
