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Navi Bike Insurance Add-On Covers

The bike insurance add-on enhances the policy coverage with the help of which, the policyholders can secure their bikes and scooters in a better and easier way. To get the add-on cover, one just has to pay an additional amount of premium along with the premium of the standard bike insurance plan. Navi General Insurance provides a wide array of add-on covers at reasonable prices, which can be opted either at the time of purchase or renewal of the policy.

Navi - 12 Important Add-on Covers for Your Bike Insurance Policy

1. Zero Depreciation – With this two-wheeler add-on insurance cover, the insurer shall reimburse the amount of depreciation deducted on replacement of any damaged parts under any damage claims made due to accidents during the policy period. However, a claim where a replacement of any part is not happened and no depreciation is deducted, then that claim request will not be entertained under this add-on cover. This add-on cover is recommended for those who own branded new bikes of not more than 5 years old.

2. New Vehicle for Old Vehicle – If you have this add-on cover, then your insurance company will pay you the difference between the amount receivable under own-damage cover of the policy and the invoice price of the new vehicle of same make and model in the event of valid and admissible total loss or constructive total loss or theft claim under the policy. If exactly the same make or model or variant is discontinued, in such case, the insurer’s liability will be limited to the shortfall with respect to the last available invoice amount of the insured two-wheeler just before the discontinuation.

3. NCB (No Claim Bonus) Secure - With every claim free year, the policyholders get a reward from the insurance companies in terms of No Claim Bonus (NCB). It helps in reducing your premium amount of the next year policy but this benefit becomes invalid on claiming even a single claim in between. Hence, with this NCB protected add-on cover you can continue to enjoy the no claim bonus benefit even after making a claim in a previous policy period. It is offered if you have made no claim at least for preceding 2 consecutive years at the policy inception.

4. Consumable Expenses – During the accidents and mishaps, not only the body of your two-wheeler damages, but it also leads to the wastage of your consumables. With the inclusion of this consumable expenses add-on cover, the insurance provider will cover cost of consumables which are required to be replaced or replenished arising from an accident to the insured vehicle subject to valid and admissible claim own-damage expenses of the policy. The consumables comprise oil, lubricants, coolant, fasteners, filters, bearings, and items of similar nature excluding fuel.

5. Engine Protect – The engine protect add-on cover will make your insurance company to reimburse your expenses incurred towards repair or replacement due to consequential damages of the internal parts of the bike’s engine, damages incurred by the gearbox and differential assembly because of the water ingression, damage caused to hydrostatic lock, or coolant leakage or lubricant oil from the insured bike. This cover is applicable only if the bike is repaired at an authorised garage.

6. Accidental Hospitalisation – Under this add-on cover, the insurer promises to reimburse the medical expenses incurred by the policyholder, driver or pillion rider in hospital or nursing home for their bodily injuries caused by an accident of the insured vehicle, provided their own damage claim is valid and admissible by the insurer. The cover also pays for the ambulance charges incurred by you for shifting from the accident site to the hospital up to the sum insured.

7. Hospital Cash – If policyholder, driver, or pillion rider suffers accidental injuries, arising due to an accident or mishap involving the insured two-wheeler, which leads to hospitalisation as an inpatient, then under this add-on cover, the insurance company shall pay a specific amount to every person for each day of hospitalisation for a maximum period of 5 days from the date of hospitalisation provided own damage claim is valid and duration of hospitalisation exceeds 3 days.

8. Enhanced Owner Personal Accident – With this add-on cover, the insurance company will provide compensation for defined bodily injuries on a specified scale sustained by the insured person in direct connection with the insured vehicle or whilst boarding or deboarding from or driving or travelling in the insured vehicle resulting in death, permanent total disablement from injuries, etc, within six calendar months of the occurrence of such event.

9. Enhanced Pillion Rider Personal Accident – With this add-on cover, the insurance company will provide compensation for defined bodily injuries on a specified scale sustained by by any unnamed pillion rider in direct connection with the insured vehicle or whilst boarding or deboarding from or driving or travelling in the insured vehicle resulting in death, permanent total disablement from injuries, etc, within three calendar months of the occurrence of such event.

10. EMI Protector – If you have bought your insured two-wheeler on loan and it meets with an accident while driving or travelling in it, which makes you suffer injuries that leads to your hospitalisation for more than 7 days, the under the EMI protector add-on cover, the insurer will pay up to 3 Equated Monthly Installment (EMI).

11. Outstanding Loan Protector – If you own an outstanding loan protector add-on cover, the insurance company will pay outstanding loan amount to your bank or financer, if your insured two-wheeler meets with an accident which make you suffer injury which cause death, permanent total disablement, etc., within six calendar months of the occurrence of such injury.

12. Roadside Assistance – The roadside assistance is an add-on cover that gives you various emergency assistance services through network garages or service providers. With this cover you shall be able to claim only up to four assistance services during the policy period which may include towing assistance service, repair on the spot, fuel support, spare key retrieval, medical coordination, hotel accomodation and many more.

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Must Read Articles before buying Navi Bike Insurance

Navi Bike Insurance User Reviews

4.6
Rating based on
77 User reviews
Write your review
What users are saying
  • All
  • Add On
  • Most Helpful
  • Comprehensive
  • Zero Depreciation
  • Third Party
  • Own Damage
  • Renewal
  • Cashless Garages
  • Price
  • Premium
  • Policy Download
  • Customer Care
  • Claim
  • Excellent Services

    I am so thankful to InsuranceDekho for their excellent service in managing the entire process of my insurance claims. My brother also availed of their services and bought Navi Bike Insurance. He is very satisfied with their support. I genuinely recommend InsuranceDekho to everyone!

    Read More

    S
    By Shalini Bhadana
    On: June 6, 2024
  • It gives me a reminder.

    The procedure of purchasing a plan is so much uncomplicated on the website as it is arranged perfectly. I purchased a NAVI bike insurance policy for my KTM RC 125 from insurancedekho.com, which always reminds me to renew my policy on time.

    Read More

    S
    By Sanju Mehra
    On: February 10, 2023
  • Insurance within budget

    I wanted to purchase a bike insurance policy that provided me good coverage and fit in my budget, while looking for one I landed on InsuranceDekho’s website. Here I was able to compare several bike insurance policies which were affordable and provided good coverage. I purchased a Navi bike insurance policy for my Suzuki Let’s.

    Read More

    B
    By Bhupen Anand
    On: February 3, 2023
  • The best coverage offer plans

    Using the InsuranceDekho website, I was able to generate bike insurance quotes by simply entering my KTM Duke bike's registration number. Several bike insurance quotations are shown, which provide good protection for my bike. I compared bike insurance policies and purchased a NAVI bike insurance policy.

    Read More

    O
    By Ojas Kapoor
    On: January 23, 2023
  • The best coverage offer plans

    Using the InsuranceDekho website, I was able to generate bike insurance quotes by simply entering my KTM Duke bike's registration number. Several bike insurance quotations are shown, which provide good protection for my bike. I compared bike insurance policies and purchased a NAVI bike insurance policy.

    Read More

    O
    By Ojas Kapoor
    On: January 19, 2023
  • 7 days availability

    I recently bought the Navi bike insurance plan for my Suzuki Gixxer SF 250 from the InsuranceDekho website. They are available on all 7 days of the week. I bought it on a Sunday and I could buy it without any complications and issues although it was a Sunday.

    Read More

    R
    By Ribhu Shrivastava
    On: July 1, 2022
  • Offers the best coverage

    Using the InsuranceDekho website, I was able to generate bike insurance quotes by simply entering my KTM Duke bike's registration number. Several bike insurance quotations are shown, which provide good protection for my bike. I compared bike insurance policies and purchased a NAVI bike insurance policy.

    Read More

    O
    By Ojas Sharma
    On: June 27, 2022
  • Timely reminders

    The procedure of purchasing a plan is so uncomplicated on the website as it is arranged perfectly. I purchased a NAVI bike insurance policy for my KTM RC 125 from insurancedekho.com, which always reminds me to renew my policy on time.

    Read More

    K
    By Karan Mehra
    On: June 27, 2022
  • Pocket-friendly plans

    The InsuranceDekho website has a variety of plans with affordable prices. I recently bought the Navi bike insurance plan for my Yamaha FZ X. The plan is good enough and fits my budget easily. I am happy with my purchase and would recommend this to all those looking for a good bike insurance plan.

    Read More

    A
    By Aman Marwah
    On: May 6, 2022
  • The website has a very helpful...

    The procedure of purchasing a plan is so much uncomplicated on the website as it is arranged perfectly. I purchased a NAVI bike insurance policy for my KTM RC 125 from insurancedekho.com, which always reminds me to renew my policy on time.

    Read More

    S
    By Sanju Mehra
    On: March 21, 2022
  • Renewed the policy in few minu...

    I renewed my Navi comprehensive bike insurance policy for my Harley Davidson V Rod in a few minutes without any hassle. The renewal process was very easy to follow and no paperwork was required to renew the policy. I’m satisfied with my experience with InsuranceDekho.

    Read More

    P
    By Pavan Sritharan
    On: February 11, 2022
  • Found some best insurance comp...

    I had opted for regular updates with InsuranceDekho which helps me find the updated list of some top insurance companies. I saw the top recommendation and considering the recommendation I purchased a Navi Bike insurance policy for my Lohia Genius as it has a high claim settlement ratio.

    Read More

    R
    By Rohit Mishra
    On: December 29, 2021
  • Insurance within budget

    I wanted to purchase a bike insurance policy that provided me good coverage and fit in my budget, while looking for one I landed on InsuranceDekho’s website. Here I was able to compare several bike insurance policies which were affordable and provided good coverage. I purchased a Navi bike insurance policy for my Suzuki Let’s.

    Read More

    B
    By Bhupen Anand
    On: December 27, 2021
  • Renewed the policy in few minu...

    I renewed my Navi comprehensive bike insurance policy for my Harley Davidson V Rod in a few minutes without any hassle. The renewal process was very easy to follow and no paperwork was required to renew the policy. I’m satisfied with my experience with InsuranceDekho.

    Read More

    P
    By Pavan Sritharan
    On: December 20, 2021
  • Top insurance companies listed

    I opted for regular updates with InsuranceDekho which helps me find the updated list of some top insurance companies. After considering the top recommendations I opted for the Navi Bike insurance policy for my Lohia Genius as it has a high claim settlement ratio.

    Read More

    R
    By Rochan Nadkarni
    On: December 15, 2021
  • Maintains full uniformity

    InsuranceDekho website maintains full uniformity when it comes to offering details about insurance providers. Due to their unbiased approach, I was convinced to insure my Hero Electric Cruz with the Navi bike insurance plan.

    Read More

    A
    By Ashima Bhalla
    On: December 8, 2021
  • Extensive research

    As per me, one of the best things about InsuranceDekho website is that it offers the chance to do extensive research. I had considered profound details regarding several plans prior to buying Navi bike insurance plan for my Honda CB Trigger.

    Read More

    U
    By Udita Deshmukh
    On: December 6, 2021
  • Convenience in making reimbur...

    I am a policyholder of Navi. My Triumph Speed Triple had gone through emergency servicing recently. As there were no network garages nearby so I had to go for another garage. I came to the InsuranceDekho website in order to make a reimbursement claim. It was a convenient claim settlement.

    Read More

    M
    By Mahika Kapoor
    On: December 1, 2021
  • Swift plan renewal

    Getting my Navi bike insurance plan issued for my Bajaj Avenger 200 renewed was very near. As I had issued the insurance plan from InsuranceDekho website, I came here for renewal as well. The instructions were easy to follow and it took a few minutes to get my insurance plan renewed.

    Read More

    By Rita Arora
    On: November 30, 2021
  • Insurance plans within budget

    The InsuranceDekho website has become a popular choice amongst masses from all kinds of financial backgrounds. This is because each insurance plan coverage and benefits are synced well with the premium. I am very happy with the Navi bike insurance plan issued for my Suzuki Let’s.

    Read More

    N
    By Naman Chauhan
    On: November 24, 2021
  • Reasonable plan pricing

    All the insurance plans available on the InsuranceDekho website are priced reasonably. The insurance coverages and benefits offered under them are well optimized and in alignment with the premiums. I am happy to insure my Royal Enfield Himalayan BS4 with Navi bike insurance plan.

    Read More

    S
    By Shubhojit Das
    On: November 22, 2021
  • Expert Guidance

    I contacted the customer executive of InsuranceDekho to learn a few ways on how to avail more benefits from my Navi standalone own damage bike insurance plan safeguarding my Yamaha Fascino. The executive was an expert in the field and suggested me to shift to a comprehensive bike insurance plan or to include add-on covers to the existing plan.

    Read More

    S
    By Saheer Khan
    On: November 17, 2021
  • Simple renewal instructions

    It was easy to follow the renewal instructions available on InsuranceDekho website. I had duly filled in my renewal form and regenerated the insurance quotes again. After the comparison, I opted for the Navi bike insurance plan as it was matching all my criteria. Therefore, I made the premium payment and renewed the insurance plan for my Vespa Piaggio Exclusivo.

    Read More

    A
    By Ashita Sachdeva
    On: November 15, 2021
  • Plan renewal within seconds

    I had renewed my Navi comprehensive bike insurance plan for my Harley Davidson V Rod in just a few seconds through the InsuranceDekho platform. Once I had regenerated the insurance quotes, I did a careful comparison of the quotes shown on the screen. The existing insurance policy seemed suitable, thus I had chosen them once again. I had instantly received the copies of the renewed insurance plans.

    Read More

    M
    By Meera Ghosh
    On: November 11, 2021
  • Top rated insurance providers

    At the InsuranceDekho website, I receive regular updates, thus it gets easier for me to find the updated list of rated insurance providers easily. After referring to the list, I opted for Navi bike insurance plan as it offered a high claim settlement ratio to protect my Lohia Genius.

    Read More

    D
    By Damini Sharma
    On: November 8, 2021
  • Ensures protection of privacy

    I prefer to visit InsuranceDekho website, everytime I have to purchase an insurance plan. The website ensures complete privacy of the information I update and is discreet. I hold Navi bike insurance plan issued for my Lohia Genius.

    Read More

    S
    By Sayani Ghosh
    On: November 2, 2021
  • Buying additional covers is ea...

    As I wanted to enhance the coverage of my insurance plan, therefore, I decided to go with a zero depreciation add-on cover with my basic Navi bike insurance plan for my Okinawa ipraise+ on InsuranceDekho platform. The procedure was quite simple, I had to choose my bike’s carrier, MMV, add-on and finally make the payment.

    Read More

    N
    By Nitya Sehgal
    On: October 27, 2021
  • Authentic specifications of pl...

    You should go to InsuranceDekho website to get authentic insurance plan specifications that would be efficient to provide the expected advantages to your two-wheeler. I went through the specifications of my Navi bike insurance plan before issuing it for my Mahindra MOJO XT 300.

    Read More

    A
    By Asmita Singhania
    On: October 25, 2021
  • Impressive insurance tools

    Various insurance tools like IDV, premium calculator, and instant quote generator available on InsuranceDekho website are impressive and effective. By using these insurance tools, I was able to save a lot of my energy and time of issuing Navi bike insurance plan for my Vespa Elegante 125.

    Read More

    A
    By Akhilesh Kumar
    On: October 20, 2021
  • Simultaneous comparison of pla...

    On the InsuranceDekho website, I found certain tables with lists of insurance providers and several insurance plan types on InsuranceDekho. With the help of the tables the simultaneous comparison of plans became super convenient. I did the comparison and purchased Navi bike insurance plan for my Honda CD 110 Dream BS4.

    Read More

    M
    By Manik Chand
    On: October 18, 2021
Navi Reviews

Navi Bike Insurance Add-On Cover FAQs

  • How many add-on covers are offered with the Navi bike insurance plans?

    The Navi bike insurance offers 12 bike insurance add-on covers which comprise Zero Depreciation, New Vehicle for Old Vehicle, NCB (No Claim Bonus) Secure, Consumable Expenses, Engine Protect, Accidental Hospitalisation, Hospital Cash, Enhanced Owner Personal Accident, Enhanced Pillion Rider Personal Accident, EMI Protector, Outstanding Loan Protector and Roadside Assistance.

  • Will I have to pay additional premium to avail add-on covers?

    Yes, you will have to pay for a little extra premium amount to avail the bike insurance add-on covers.

  • Is it compulsory to add an add-on cover in the bike insurance cover?

    No, it is not mandatory to include an add-on cover in your bike insurance policy. To add an add-on cover is an optional benefit to help you enhance the coverage of your bike insurance policy.

  • At what time can I purchase the Navi bike insurance add-on covers?

    You can purchase the bike insurance add-on covers either during the policy purchase period or during the bike insurance policy renewal process.

  • How many add-on covers can I opt for at a time?

    There is no such limit for the inclusion of add-on covers. It means you can add as many add-on covers at a time in your bike insurance policy as you want.

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