Non-Electrical Accessory Add-On in Bike Insurance
When you buy a bike, you might add extra parts like fancy seat covers, alloy wheels, or a stylish exhaust. These are called non-electrical accessories because they don't use electricity. Regular bike insurance usually doesn't cover damage or loss of these parts. To protect them, you can get a special add-on called the Non-Electrical Accessories Cover for the bike.
This add-on helps you get money back if these parts are damaged or stolen. It's a smart choice for anyone who has spent money on making their bike look better or perform differently.
By adding this cover, you ensure that your investment in these accessories is protected.
What Are Non-Electrical Accessories?
Non-electrical accessories in a bike are parts or add-ons that don't use electricity but enhance the bike's look, comfort, or functionality. These are usually installed after buying the bike and are not part of the original setup.
Examples of Non-Electrical Accessories:
- Seat Covers: Custom or leather covers that make the seat more comfortable or stylish.
- Alloy Wheels: Lightweight and stylish wheels that can improve the bike's appearance and performance.
- Saddlebags: Bags attached to the sides of the bike for carrying items during travel.
- Crash Guards: Metal bars that protect the bike and rider in case of a fall.
- Bike Covers: Protective covers to shield the bike from dust, rain, and sun.
Who Should Buy a Non-Electrical Accessories Cover for a Bike?
This add-on in bike insurance is suitable for the following people:
- Bike owners with new or valuable accessories.
- Riders who have installed advanced or custom accessories on their bikes.
- Those who frequently ride in accident-prone or high-risk areas.
- People who want extra protection for their bike’s added parts.
- Riders who use their bike for long distances or daily commuting.
Features of Non-Electrical Accessories Add-on in Bike Insurance
Here are some of the features of non-electrical accessories add-ons in bike insurance:
1. Covers Extra Parts on Your Bike
This add-on protects accessories like seat covers, alloy wheels, saddlebags, crash guards, and personalised colour for the bike frame. These parts are not covered under standard bike insurance policies.
2. Protection Against Damage and Theft
If you've added parts like seat covers, alloy wheels, or saddlebags to your bike, they usually do not get covered by standard insurance. With the Non-Electrical Accessories Add-On, if these parts are damaged in an accident or stolen, your insurance helps pay for repairs or replacements.
3. Available with Comprehensive and Own-Damage Policies
You can add this cover to comprehensive or standalone own-damage bike insurance policies to get additional coverage. But, it is not available with third-party insurance plans for two-wheelers.
4. Affordable Premium
Opting for this add-on slightly increases your premium, but the extra cost is small compared to the high expenses of replacing or repairing costly accessories. It's a smart way to protect your investment in your bike's enhancements.
5. Requires Accessory Cost Declaration
When you buy this add-on, tell your insurer how much your bike's accessories cost. This helps them decide the right coverage amount, as costly bike accessories need higher financial coverage.
Conclusion
Adding the Non-Electrical Add-on in Bike Insurance is a smart choice for riders who have customized their bikes with parts like seat covers, alloy wheels, or saddlebags. Standard bike insurance usually doesn't cover these extra parts, so if they're damaged or stolen, you'd have to pay for replacements yourself. Choosing this add-on helps cover the cost of your bike's accessories if they're damaged or stolen.
It gives you peace of mind by assuring that your investment is protected. To ensure comprehensive coverage, consider exploring the Best Bike Insurance Companies in India that offer such valuable add-ons tailored to your needs.
If you need further help, feel free to connect to our customer care service!
It's an extra cover you can add to your bike insurance to protect parts like seat covers, alloy wheels, or saddlebags that you've added to your bike.
Standard bike insurance usually doesn't cover these extra parts. If they get damaged or stolen, you will have to pay for replacements yourself. This add-on helps cover those costs.
Yes, when purchasing this add-on, you should provide an estimated total cost of the accessories you want to cover. This helps determine the right coverage amount.
Yes, adding this cover will slightly increase your premium, but the cost is minimal compared to the actual expenses of replacing or repairing high-end accessories.
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