Insurance is like a spare tyre. You may not require it, but not having one is not an option.

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
    "Need a reminder call"
    0.5 4.0/5 "Great!"
    I took my two wheeler insurance with ICICI Lombard. I have been with them for around 7 years and the services are good. I have no claim experience. The premium is reasonable. The benefits are less compared to others. There was no reminder call from the customer support during the policy renewal, it would be great if they do it.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 23, 2019
  • Iffco Tokio Two Wheeler Insurance
    "Good exper"
    0.5 5.0/5 "Blown Away!"
    My two wheeler insurance is with Iffco Tokio. The premium is good and I have no claim. I spoke to the customer service and it was a good experience. I have chosen first party insurance. I have received the insurance paper. I have paid Rs.1300 approx through card to purchase one year policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 23, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Good "
    0.5 5.0/5 "Blown Away!"
    I took my two wheeler insurance from ICICI Lombard and its been 2 years. I have purchased a new bike so the insurance was offered by the showroom. Every year premium varies by the Government and its reasonable.I got the insurance paper. Am not sure about the benefits. It is a first party insurance.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 23, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have taken two wheeler insurance policy with ICICI Lombard for 3 years. A premium of Rs 2000-3000 has to be paid for this insurance policy. I have no claim experience so far with this insurance and the policy benefits are good in this insurance.
    Was this review helpful? 0
    , jaipur
    Reviewed on Jan 23, 2019
  • Reliance General Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have taken two wheeler insurance from Reliance for 5 years and i am having this insurance from last 3 months. A premium of Rs 4200 has to be paid for this insurance policy. I do not have claim experience so far with this insurance.
    Was this review helpful? 0
    , surat
    Reviewed on Jan 23, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have my two wheeler insured with ICICI Lombard from last 1 year, there was no claim experience so far with this insurance policy and i pay a premium of Rs 850 for this insurance. I am happy with the plan benefits and plan coverage of this policy
    Was this review helpful? 0
    , pune
    Reviewed on Jan 23, 2019
  • Reliance General Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have two wheeler insurance with Reliance general from last 1 year. A premium of Rs 1800 has to be paid for this insurance policy every year. I have not claimed anything so far with this insurance policy. I am happy with the plan benefits and policy coverage of this insurance.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 23, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Better Policy"
    0.5 3.0/5 "Satisfactory"
    My two wheeler insurance policy was taken from ICICI Lombard. The dealer has provided this policy hence i'm not aware of the premium amount. They have given me a IDV value of Rs. 70000 which covered for 100%. I had no claim experience with this policy.
    Was this review helpful? 2
    , bangalore
    Reviewed on Jan 22, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My two wheeler policy was bought from 2014. There is no reason for choosing this policy. I am paying the premium amount of Rs. 2100. They have offered me a coverage amount of Rs. 31000. I will make the payment through cheque and i renew the policy by own.
    Was this review helpful? 1
    , ahmedabad
    Reviewed on Jan 22, 2019
  • Bajaj Allianz Two Wheeler Insurance
    "Good Claim Experience"
    0.5 5.0/5 "Blown Away!"
    I have invested my splendor bike with Bajaj Allianz, it was stolen in 2014. Then I applied for claim, within 2.5 months they have settled the money through account transfer, the customer support is very prompt they understood and cleared the issue.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 21, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Smart Protection"
    0.5 2.5/5 "Just OK"
    I don't have any claim with ICICI Lombard, they are doing good job in terms of insured declared value. The representative issued the policy on time . I have scooter jupitar its around two years old. For that bike I took first party insurance is good.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 21, 2019
  • National Insurance Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have a two wheeler insurance with National insurance from last 1 year. A premium of Rs 2000 has to be paid for this insurance policy. I have not claimed anything so far with this insurance policy. I am happy with the plan benefits and policy coverage of this insurance.
    Was this review helpful? 0
    , indore
    Reviewed on Jan 21, 2019
  • Bajaj Allianz Two Wheeler Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I have my two wheeler insured with Bajaj Allianz from last 1 year, a premium of Rs 2600 has to be paid for this insurance policy. I have no claim experience so far with this insurance policy. I am happy with the policy benefits and plan coverage of this policy.
    Was this review helpful? 0
    , hojai
    Reviewed on Jan 21, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have my two wheeler insured with HDFC ERGO from last 1 year, a premium of Rs 1200-1500 has to be paid for this insurance policy. There was no claim experience so far with this insurance policy. I am happy with the plan benefits and policy coverage for this insurance.
    Was this review helpful? 0
    , rewari
    Reviewed on Jan 21, 2019
  • Reliance General Two Wheeler Insurance
    "Yet to experience the policy"
    0.5 4.0/5 "Great!"
    I am holding my two wheeler insurance from Reliance. I have not claimed anything from this policy. I pay the premium amount which is bit high compared to last year. I have chosen the reliance because the insurance is located nearby my place. They have given me a nominal IDV value. The service is prompt when i went for the renewal.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 21, 2019
  • National Insurance Two Wheeler Insurance
    "Good Insurance Company"
    0.5 4.0/5 "Great!"
    I have Hero glamer bike, I think I paid the premium around Rs. 3000 to 4000 to National insurance. My vehicle is around one year, its a first insurance I took through showroom. On time I got the paper from the insurer, they got tie up 3 to 4 service centers in Bhubaneswar.
    Was this review helpful? 1
    , bhubaneshwar
    Reviewed on Jan 21, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Trusted Insurer"
    0.5 5.0/5 "Blown Away!"
    ICICI lombard its a nice insurance company, I am holding bike policy with them around one year. I have invested pulsar bike by taking comprehensive plan. The customer care is good on time they have generated the policy. I have 80% of cover based on the vehicle age.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 21, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Best Policy"
    0.5 5.0/5 "Blown Away!"
    I have taken two wheeler insurance from Hdfc General insurance . I made the payment for 1 years through online banking . Customer service and responce is average as thye have explained the benefits of the policy .This policy covers with road side assistance and bumper to bumper coverage and the premium amount which am making for this is pretty economy .
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 20, 2019
  • Royal Sundaram Two Wheeler Insurance
    "Low Premium with Higher IDV value"
    0.5 5.0/5 "Blown Away!"
    My two wheeler insurance purchased from Royal Sundaram. They are giving the higher IDV value hence i have chosen this company. I pay the premium amount of Rs. 1000. They have given me a IDV value of Rs. 24000. I have renewed the policy through online.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Good Protection with HDFC Ergo"
    0.5 5.0/5 "Blown Away!"
    My Activa Honda got insured with HDFC Ergo, I have been with them around two years, total term of my two wheeler policy is around three years. The premium amount is lesser based on the vehicle age. I took first party insurance its good and satisfactory.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 19, 2019
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