What are the benefits of Accident Cover in Bike Insurance?

Author : Kanika Shelatkar | Published On : 15 Sep 2021

Riding a bike is an exciting experience. It is one of the preferred modes of private transportation in India. While a bike allows you to cruise through the town conveniently, it also comes with accident risks. The Motor Vehicle Act of 1988 made it mandatory for all vehicle owners to invest in a primary, Third-Party Liability cover.

Still, it is better to pay a slightly higher premium and invest in additional Bike Insurance covers that provide added security, especially in accidents and uncertain consequences. Let us understand how Personal Accident cover plays an important role here.

Personal Accident cover

It is an essential feature of Two-Wheeler Insurance, offering protection against serious injuries sustained by the bike rider in an accident or death. Additional covers are also available for pillion riders in an accident. You get compensation of approximately Rs. 1 lakh under this, and the age limit for the same is between 18 and 65 years.

A Comprehensive Policy includes additional factors making it attractive. While it is not compulsory to pay a high premium, you must opt for a higher sum assured. Remember to renew your insurance annually and before expiry.


After digitisation, you can buy an online Insurance Policy for Bike by visiting the website, reading the inclusions, comparing the plans, and deciding on an affordable scheme. You receive the policy document at your registered email address, which is valid as proof.

Accidental Death

The Accidental Death cover compensates your family for your loss. If you buy it as part of your 2-Wheeler Insurance Policy, your dependant family members get 100% of the total assured sum for financial stability during the crisis.


Depending upon the accident’s severity, you suffer a temporary or permanent disability that adversely impacts your family’s finances. If the injury sustained in the accident is permanent, the policyholder gets 100% of the sum assured. Accident Cover also makes provisions for temporary or permanent partial disabilities. You receive compensation with a pre-determined percentage amount of the sum assured.

Cash allowance

Suppose you sustain severe injuries in an accident that requires hospitalisation for a certain period. You get a cash allowance to meet these expenses for a maximum period of 50 days from the time of admission.

24x7 assistance

Along with the Personal Accident cover, you become eligible for 24x7 claim assistance to help with all your settlement and redressal needs. Also, most General Insurance companies provide Roadside Assistance for you to receive help as soon as possible. The helpline offers instant support and guides you through the claim process during stressful times.

Renewal benefits

With online Bike Insurance, you can remain carefree about renewal as the company sends you email and SMS reminders for it. It provides you unlimited access to the policy document and enables you to upgrade it without physical visits to the branch. It saves time and money as you escape penalty payments to traffic authorities.


Insurance saves you from unnecessary third-party expenses during stressful events and allows your family to roam freely on Indian roads. It is a boon for everyone and helps you save money for the future instead of spending it on medical treatment.