Upgrade your bike insurance policy for comprehensive coverage during the monsoon



Bajaj Allianz bicycle insurance policy

Indians love to ride a motorcycle. It’s fun, it’s economical, and the most efficient way to navigate crowded Indian roads. One can get an idea of ​​the popularity of two-wheelers in India from the fact that there are almost seven times as many two-wheelers in the country as there are cars.[1]. In addition, they represent almost three quarters of all registered vehicles. On the other hand, however, two-wheelers also account for the highest share of the total number of road accident fatalities in the country.[2].

It is a well known fact that monsoons are the time when driving conditions deteriorate dramatically and vehicles become more prone to accidents and breakdowns.[3]. People who enjoy riding motorcycles also understand the dangers of riding them during the monsoon. While tackling torrential rains is a challenge in itself, the deterioration of our already damaged roads poses a greater danger.[4]. Accidents happen quite frequently in India when the ‘rainy season’ starts and there is the possibility of mechanical or electrical breakdowns which can leave someone stranded.[5].

Why comprehensive insurance coverage?

No matter how much you invest in protective gear, you need a bigger ‘safety net’ to protect you in the event of an accident – a bike insurance Politics. However, just having third-party coverage is not necessarily sufficient. Such a policy would legally protect you from any liability to a third party with whom your vehicle is involved in an accident. However, this would neither cover the cost of repairing your vehicle nor your medical care if you were injured as well. On the other hand, a comprehensive two-wheeler insurance policy does it all. In addition, comprehensive insurance also covers the costs of damage to your two-wheeler due to monsoon congestion, or any other natural or man-made disaster, or even events such as theft. It is therefore crucial to have a comprehensive and up-to-date two-wheeler insurance policy so that you can ride safely and worry-free on your beloved two-wheeler, especially during the monsoon.

Consider updating your policy

While your bike insurance policy may cover the cost of repairs in the event of an accident, you can get the most out of this protection by choosing certain upgrades with your base policy. For example, you can choose drivers or add-ons such as “zero damping module”, “24 × 7 roadside assistance module”, “engine protection cover” and “passenger accident cover”. You can go with third party bicycle insurance and comprehensive plans from Bajaj Allianz General Insurance which offer all of these upgrades to choose from, among others.

With age and use, two-wheelers depreciate. So when a claim is made on an older vehicle, the depreciation is deducted and the insured receives an amount less than the actual claim and has to pay some expenses out of his own pocket. But by choosing zero amortization coverage, the entire amount due for the claim can be compensated. So you don’t have to compromise with the protection of your vehicle. The engine protection add-on is also very useful, especially during monsoons when water infiltration can cause a “hydrolock” with water entering the engine compartment. The cost of repairing hydro-locked engines is significant and in some cases the engines can be completely damaged. Bajaj Allianz General Insurance offers engine protection coverage as an add-on that protects your two-wheeler in the event of water infiltration, gearbox damage and lubricant leakage, among others. This is an upgrade that you must consider for your motorcycle during the monsoon.

And since you never know when you might find yourself stuck with a vehicle breakdown, you can always opt for the Two-Wheeler Roadside Assistance Supplement, especially if you cycle long distances. It provides you with 24/7 assistance in all roadside assistance situations, including punctures, starting the bike, breakdowns and other electrical issues, fuel assistance, electrical or mechanical breakdowns, towing, etc. This add-on also covers the delivery of the repaired two-wheeler to your doorstep.

There is no doubt that if you really care about your bike, comprehensive bike insurance is the way to go. With these additional features, you can upgrade your two-wheeler insurance policy to ensure your vehicle is fully protected during these monsoons. You can opt for these upgrades when purchasing a new policy, or even during the renewal of two-wheel insurance. Be a smart driver and improve your two-wheeler policy today, even if it costs a little more. Insurance is the subject of the solicitation. For more details on the benefits, exclusions, limitations, terms and conditions, please read the sales brochure / policy wording carefully before making a sale.


[1] http://mospi.nic.in/statistical-year-book-india/2018/189
[2] https://morth.gov.in/sites/default/files/Ministry%20Annual%20Report_2019-20.pdf
[3] https://timesofindia.indiatimes.com/city/dehradun/pothole-riddled-roads-get-worse-during-monsoon-lead-to-disease-accidents/articleshow/77155574.cms
[4] https://www.indiatoday.in/india/story/delhi-sunday-july-19-heavy-rain-casualties-death-toll-waterlogging-top-developments-1702295-2020-07-20
[5] https://www.sciencedirect.com/science/article/pii/S2214367X13000069


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