• 3 most Important Insurance Add-Ons Superbike Owners Should Have

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    Super bikes are expensive. Not like ‘it’s a bit out of your range’ expensive but more like ‘save up a few years’ salary to buy it’ expensive. Their exorbitant pricing is often justified because these bikes often feature state-of-the-art, trademarked technologies that an average layman can’t even begin to comprehend. Besides being a vanity purchase, superbikes offer speed and power (lots of it) and can glide through roads at more than 250-300 kilometres per hour.

    Also, the maintenance of these vehicles are expensive on their own and can easily cost over Rs.30,000 a month and go on to about as high as Rs.1 lakh depending on the level of usage. What this means is that having a basic insurance just isn’t enough. You, in fact, require a few add ons that can be included on to your insurance policy . Below you will read about the different types of add-ons you can use. Read on to find out.

    Bumper-to-Bumper Cover

    Also known by other names like Zero Depreciation Cover or Nil Depreciation Cover, this add on offers coverage against any damages to your superbike caused due to everyday wear and tear. This type of add on is one of the most popular among vehicle owners as they provide reimbursement/cover against aspects a typical comprehensive policy doesn’t.

    When you apply for a claim, you will receive the full amount you have claimed for unlike in the case of comprehensive policy where the insurer deducts an estimated value for wear and tear.

    Pillion Rider Cover

    Riding a bike in urban areas is a danger in itself. Doing so on a superbike, especially would mean that you have kicked up the danger quotient by a few notches. This is why you should also have an add on policy that covers pillions against any injury. Getting such a cover shows that you care for them and are actually prepared to deal with the worst if they come to happen.

    Allowance Cover

    If you have a superbike there’s a chance that you tend to use if quite a lot. In case you do, there’s also a chance that it might sustain some damage due to some unexpected accident. When this happens, you will have exhausted all your insurance money on getting the bike repaired, leaving little to no money to fend for yourself. Getting a cash cover such as this will help take care of your daily expenses for a period mentioned in the policy document.

    Irrespective of how careful you are on the road, there are always instances where you will get caught up in an accident for no fault of yours. Having covers such as this over and above your existing two-wheeler insurance policy will help you handle such occurrences.

    Important Insurance Add-Ons for Superbike Owners Reviews

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    • ICICI Lombard Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with ICICI lombard from last 3 months and it is good insurance policy to use. This policy has to be renewed once in 3 years and i pay a premium of Rs 4400. I do not have claim experience so far with this insurance. I have a coverage up to 60-70% which is quite satisfactory.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 24, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good "
      0.5 4.0/5 "Great!"
      I have insured my two wheeler with the ICICI Lombard general insurance company. I have not done any claims with them till now and the premium is around 1100 Rupees. Customer service is not yet aware from my end.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 24, 2018
    • Reliance General Two Wheeler Insurance
      "Better"
      0.5 5.0/5 "Blown Away!"
      I have insured my two wheeler with the Reliance general insurance company. Response is fine one for me with them and the coverage value is around 60000 Rupees. Response is fine one with the Reliance general insurance company.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 24, 2018
    • United India Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with United India Insurance from last 5 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 1200 for this insurance. I do not have claim experience so far with this insurance but i am satisfied with the coverage and benefits of this policy.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Feb 24, 2018
    • United India Two Wheeler Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken Two wheeler insurance with United India Assurance,the premkum account is 1906 per annum,agent will come The policy coverage is 30%,i have no claim experience with them till date.This was taken two years ago.I closed this insurance long back.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 23, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good "
      0.5 4.0/5 "Great!"
      I am having the two wheeler, which got insured with the HDFC ERGO general insurance company. I would like to say that the customer service is good one with them and the response is also good too. Claims are not yet experienced with the HDFC ERGO general insurance company.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 23, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Better policy to use"
      0.5 4.0/5 "Great!"
      It is good to ensure the two wheeler from the BAJAJ ALLIANZ GENERAL INSURANCE company and , I am renewing the two wheeler insurance policy for the second time. I have paid Rs,1800 to renew the policy last time. The reminders are given on time to renew the policy before the due date from the BAJAJ ALLIANZ GENERAL INSURANCE company.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I am using the Two wheeler for the past 15 years and I renew the insurance policy only from the BAJAJ ALLIANZ GENERAL INSURANCE company. I have paid Rs,1700 to renew the policy last year . The policy coverage and the plan benefits are good with the BAJAJ ALLIANZ GENERAL INSURANCE company.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have two wheeler, which got insured with the Bajaj Allianz general insurance company. Customer service is good one for me and the response is an excellent one for me with the Bajaj allianz general insurance company. I have not experienced any claims as such.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 22, 2018
    • New India Two Wheeler Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I took bike insurance from new India assurance now it got expired, the old premium was good. The insurance company gave me good IDV value and they got tie up with good garges. They do have cash less option for bike damage, overall its a good insurance company.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 22, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with ICICI lombard from last 3 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 2400 for this insurance. I do not have claim experience so far with this insurance but i am satisfied the coverage and plan benefits of this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 22, 2018
    • Tata AIG Two Wheeler Insurance
      "Its Better"
      0.5 4.0/5 "Great!"
      When I was purchasing new bike they gave me default TATA AIG two wheeler insurance, they told premium was around Rs. 1600 for one year. They are providing third party cover, accidental cover and road side assistance with 100% cover on my Bajaj avenger.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 21, 2018
    • National Insurance Two Wheeler Insurance
      "Average"
      0.5 3.5/5 "Pretty good"
      I am having the two wheeler insurance policy with the National Insurance company and the premium value is nominal one for me with them like its around 1500 Rupees. Response and other aspects are also good one with the National Insurance company.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 21, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good Protection"
      0.5 5.0/5 "Blown Away!"
      ICICI lombard two wheeler premium was around Rs. 1100 for per year, they gives road side assistance, third party cover and no claim bonus. I have Honda Dream Yuga cost of the vehicle was Rs. 62,000. At the time of activation I got the policy copy from the insurance company its good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • National Insurance Two Wheeler Insurance
      "Customer service should be proactive"
      0.5 4.0/5 "Great!"
      National Insurance premium amount was good than other insurance company, customer service is not upto the mark. I paid yearly fee around 1700, they gave me good IDV value. I have Bajaj 150 discover bike, the insurance company gave nominal feature like third party cover, road side assistance.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 20, 2018
    • Reliance General Two Wheeler Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had a two wheeler insurance with Reliance for past 2 years. The customer service was really good. I would say the claim experience was good and excellent. I have paid 1000 rupees for this insurance. I get a remainder call, message and email for the policy renewal.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • Iffco Tokio Two Wheeler Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      My friend suggested the two wheeler insurance with Iffco Tokio so I have gone for it through online. I have paid 1150 rupees for one year to purchase this insurance. The process was immediate. I got a proper response from the customer support.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Better policy to use"
      0.5 5.0/5 "Blown Away!"
      I am renewing my two wheeler insurance policy from BAJAJ ALLIANZ GENERAL INSURANCE company. I have paid Rs,2000 to renew the policy last year. The customer support is not up to the mark from the BAJAJ ALLIANZ GENERAL INSURANCE company,because they dont give the intimations to renew the policy before the due date.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • National Insurance Two Wheeler Insurance
      "Below average"
      0.5 1.0/5 "Really Bad"
      I have a two wheeler insurance with National insurance. I have taken the insurance service directly from National insurance outlet. But I feel they needs to improve their response. The payments are generally through cheques and cash. It is a below average service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken Two wheeler insurance with ICICI Lombard,the premium amount is 1800 per annum,I make payment at the counter.The policy coverage amount is 50,000,i have no claim experience with them till date.This was taken seven months ago.The model of my bike is Bajaj 200 NS.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
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