Bike Insurance for Long Distance Riders: All that You Need to Know

India has a varied landscape, ranging from mountain ranges to state-of-the-art expressways. Riding a bike on these different types of terrains is a dream come true for a petrolhead. Although cars offer a more relaxed travel experience, bikes provide the much-needed adrenaline to all the adventure junkies out there. If you are one such adventure-seeking individual planning on taking your bike to the challenging terrains of Leh-Ladakh or covering the length and breadth of the country on your bike, you must be aware of the risks involved. A bike insurance plan is useful in times of mishaps and mitigates the financial impact in the event of an accident or damage. These situations are beyond your control and staying covered with an insurance plan is the right way to go ahead. Continue reading to know more about buying an ideal bike insurance plan for these kinds of long-distance rides.

Ideal Insurance Coverage for Long Distance Rides

The risks involved in long-distance travel differ across terrains. Despite the varying risk, the probability of an accident is never zero. Hence, appropriate safety gear is the number one thing that you, as a rider, must invest in. Safety precautions need to be followed with the right insurance cover that offers protection in different situations.

• Coverage for Third-party Liabilities

The Motor Vehicles Act of 1988 makes it mandatory to have a bike insurance cover for all bikes that are registered within the country. Of the different insurance plans, a third party bike insurance policy is the minimum requirement. This insurance plan protects you, the policyholder, against third-party liabilities that may arise in case of an accident resulting in injury or property damage. Thus, financial and legal worries are managed by the insurance company in case of third-party liabilities. *

• Coverage for Own Damage

A third-party plan is mandatory and has limited coverage. However, it isn’t sufficient, especially for long-distance journeys. Accidents can not only cause damage to a third person but also you and your bike. With a comprehensive plan, these damages to your bike can also be covered by the insurance plan providing financial cover. In addition, comprehensive plans also allow you to buy a personal accident cover that provides compensation for the injuries faced by you including disability and death. Thus, a comprehensive plan is a smarter choice to ensure all-around protection for long-distance travel. *

• Choosing Suitable Add-ons

Add-ons are optional policy features that enhance your policy’s coverage to include those that otherwise are excluded from your policy’s scope. Various add-ons are available and selecting suitable add-ons will help provide additional coverage during long journeys. One thing to remember is that add-ons directly impact the bike insurance price, and thus, must be selected carefully. *

• Choosing Online Insurance Plans

Online policies are easy to renew and lodging claims are at the beckon of a call or your fingertips, through dedicated mobile applications. While your trip may span over months, these policies can be conveniently reviewed and renewed from anywhere with an active internet connection. Thus, modifying its coverage or enhancing it is simple when you choose an online bike insurance policy. * *Standard T&C Apply With these nifty tips, protecting your bike can be simple with an insurance policy to void steep financial losses.   Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read the sales brochure/policy wording carefully before concluding a sale.