Bike Engine Cover Add on in Two-wheeler Insurance

In India, having third-party bike insurance is a must-have for all bike owners as per the Motor Vehicles Act of 1988. On the other hand, there is a comprehensive bike insurance plan that provides complete protection in case your bike is damaged or a third-party faces injury or is damaged due to your bike. Now, there are certain exclusions in comprehensive bike insurance plans also, as it does not provide protection in case the bike’s engine is damaged. In this case, having a bike engine cover becomes important. So, in today’s section let’s talk about bike engine cover add-on in two-wheeler insurance. 

What is a Bike Engine Add-on?

The bike engine cover add-on as the name suggests provides protection for the bike’s engine in case it is damaged due to any unforeseen circumstances. The repair of the engine involves a large amount of money, and thus having a bike engine cover add-on offers peace of mind in case your bike’s engine is damaged. Some of the benefits of having a bike engine cover add-on are listed below:

• The engine serves as the core of the bike and thus in case it is damaged, it might cause a huge inconvenience to you, both financially and mentally. So, it makes sense to ensure protection for the bike’s engine in advance, and this is exactly where the bike engine add-on cover plays an important role. 
• The bike engine cover add-on provides protection if your bike is damaged due to any kind of leakage of the lubricant, oil, etc. Thus, with a bike engine cover, you can get financial assistance to get the engine of the bike replaced or repaired, whatsoever the situation may demand.
• With a bike engine cover add-on, you can enhance the features and benefits of your bike insurance plan. So, if you are not satisfied with the coverage offered under your existing bike insurance plan, then you can get it enhanced with add-ons like a bike engine add-on.
• A bike engine add-on cover also ensures peace of mind as you need not worry about the repair cost of the engine in case it is damaged when you have a bike engine add-on. 

Inclusions and Exclusions of Bike Engine Add-on

Listed below are the inclusions and exclusions of bike engine add-ons:

Inclusions:

• Damage due to leakage of oil and lubricants
• Damage in case the water has entered the engine 
• In case there is a failure of the engine
• If the bike engine has any kind of physical damage

Exclusions:

• The bike engine add-on does not provide coverage If the damage to the engine was caused by a rider who was riding without a valid driving license, or a bike insurance policy, or was riding under the influence of alcohol
• The bike engine add-on does not offer coverage if it is damaged due to regular wear and tear
• The bike engine add-on cover does not provide coverage if the rider was involved in rash driving

Take Away

Thus, with a bike engine add-on, you can ensure protection for the bike’s engine in case it is damaged. Moreover, do not forget to explore a number of two-wheeler insurance plans on the InsuranceDekho website.

Also read: How Does Cashless Claim Work in Bike Insurance?