Importance of Two wheeler insurance for Adventure riders

Posted on: Mar 1, 2022 | 3 mins | Written by: HDFC ERGO Team

Importance of Two wheeler insurance for Adventure riders

Adventure riders, understand the Importance of your Two wheeler insurance

There is nothing like riding an adventure bike, embracing tough terrains with confidence, and feeling that rush of adrenaline! Adventure biking can give you the break you need from a monotonous routine or when you want to connect with nature in style. However, as a responsible biker, you must get proper bike insurance. Why? There are many reasons. Read on to know about them.

Why get insurance for your adventure bike

Adventure bike riding can take a dangerous turn if you need to deal with natural calamities. Whether you are riding your bike on an off-roading track or range or you are simply trying to navigate the inhospitable terrains of the many places in India, you will always be at the mercy of problems like flood, earthquake or snowstorms etc. Even a single disaster can be intense enough to not just beat you off the regular road, but also cause significant damage to your bike that may need costly repairs. In such a situation, if you have proper insurance for bike, you won’t have to burn a hole in your pocket. Moreover, when it comes to adventure biking, accidents do happen, especially because high powered and complicated machines are involved. Not only will your bike get damaged in case of any accident, you yourself might be at a risk of getting hurt. In either case, it is important to have valid and adequate two-wheeler insurance. The policy will not only cover the cost of bike repairs, but also cover any damages done to a third party and your cost of treatment from accidental injuries. Adventure bikes also cost a lot. Since a lot of engineering effort goes into the design and development of the bike parts and even consumables, adventure bikes are unfortunately a favourite of automobile thieves. And bike theft is a widespread crime in India already. The police also struggle to locate stolen bikes. Keeping all this in mind, you must get proper insurance for your adventure bike, because if it gets stolen, an insurance policy will provide you adequate compensation.

What do you get in a good adventure bike insurance policy?

If you have an adventure bike and are looking to get good insurance for bike, here are a few things that the policy should cover.

1. First, you will get the legally mandated third party bike insurance cover, which is necessary to drive any kind of vehicle on any public road in India.

2. Next, you will get a personal accident cover of INR 15 lakhs for the owner driver, which is mandated by the IRDAI to meet medical and compensatory costs in case of an accident.

3. You should also get an own damage cover, as per the insured declared value of your bike.

4. Finally, you can buy a few add-ons to improve the scope of cover of your policy and enjoy enhanced claim protection if needed.

Recommended add-ons for adventure bike lovers

As an adventure biker, you surely have a special bond with your machine, and therefore, you need to offer it a bit of extra protection. You should choose the following add-ons with your insurance for bike, as and when they are available:

1. You must choose emergency roadside assistance add-on so you can get help if you are ever stranded on the road.

2. You must have purchased an expensive helmet with your adventure bike. So, a helmet cover add-on will be of great help.

3. Buying an engine protector add-on is also particularly helpful because it will cover mechanical damage to the bike engine caused by flooding or inundation.

All in all, if you are involved in adventure bike sports, you need to remember that nothing is as important as safety. And to prepare for unsafe and unexpected situations, you need ample insurance for bike.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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