A basic bike insurance policy covers only accidents, theft, and third-party damages. But if you want complete protection for your motorcycle or scooter, add-ons are where the real value lies.
Add-ons are small upgrades that enhance your coverage, reduce out-of-pocket expenses, and give peace of mind - especially in busy cities like Hyderabad, Telangana, where risks are higher.
This guide explains the five most valuable two-wheeler insurance add-ons, what they cost, how they work, and when to buy them so you can make your policy smarter without overspending.
What Are Add-Ons In Bike Insurance
Add-ons are optional covers that you can attach to your comprehensive bike insurance policy.
They cost a small extra premium but protect against exclusions that standard plans don’t cover - like depreciation, engine damage, or roadside emergencies.
| Feature |
Standard Policy |
With Add-ons |
| Accident Damage |
Yes |
Yes |
| Theft/Fire |
Yes |
Yes |
| Depreciation Cuts |
No |
Yes (Zero Dep) |
| Engine Damage |
No |
Yes (Engine Protect) |
| 24×7 Roadside Help |
No |
Yes (RSA) |
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Top 5 Add-ons Worth Buying
1. Zero Depreciation Cover
Why it matters: Insurers deduct depreciation on replaced parts during claims - often 30-50%. Zero Dep ensures you get full claim payout with no deduction.
Best for: New bikes (under 5 years old) or high-end models.
Avg. Cost: ₹200-₹400/year (10-15% of OD premium).
Claim Example: Bumper replacement ₹4,000 → Without Zero Dep you pay ₹1,200; with Zero Dep you pay ₹0.
2. NCB Protect Add-on
Why it matters: If you file even one claim, your No Claim Bonus resets to 0%. NCB Protect keeps your accumulated discount intact even after minor claims.
Best for: Riders with 20-50% NCB who don’t want to lose discounts.
Avg. Cost: ₹150-₹300/year.
Benefit: Retains NCB up to 50% even after one small claim.
3. Roadside Assistance (RSA)
Why it matters: Covers towing, fuel delivery, flat tyre, and battery jump-start - lifesaver for long rides or breakdowns.
Best for: Daily commuters and highway travelers in Hyderabad, Telangana.
Avg. Cost: ₹200-₹500/year.
Services Covered: On-site repair, towing, emergency fuel, taxi help, and mechanic support.
4. Engine Protect Cover
Why it matters: Protects engine from damage due to oil leakage, water ingress, or hydrostatic lock - not covered by regular insurance.
Best for: Bikes in flood-prone or coastal areas (e.g., Hyderabad).
Avg. Cost: ₹300-₹800/year.
Example: Post-monsoon water damage worth ₹40,000 fully reimbursed under Engine Protect.
5. Return to Invoice (RTI)
Why it matters: If your bike is stolen or completely damaged, RTI pays the full invoice price - not the depreciated IDV.
Best for: New bikes (<3 years old) or financed vehicles.
Avg. Cost: ₹300-₹600/year.
Example: Bike IDV ₹80,000; Invoice ₹1,00,000 → RTI pays ₹1,00,000 if total loss.
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Bonus Add-ons (Optional)
| Add-on |
Coverage |
When Useful |
| Consumables Cover |
Covers nuts, bolts, oil, filters, and screws |
Regular riders or high-maintenance bikes |
| Key Replacement Cover |
Replaces lost/stolen keys and locks |
Urban users |
| Helmet Cover |
Reimburses damaged helmets |
Safety-conscious riders |
| Personal Belongings Cover |
Covers items stolen from storage box |
Commuters in metro cities |
Cost Summary Table
| Add-on |
Avg. Annual Cost (₹) |
Ideal For |
Recommended If |
| Zero Depreciation |
200-400 |
New bikes (<5 yrs) |
You want full claim value |
| NCB Protect |
150-300 |
Riders with NCB |
You’ve had small claims |
| RSA |
200-500 |
All riders |
You commute daily |
| Engine Protect |
300-800 |
Coastal cities |
You ride during monsoon |
| RTI |
300-600 |
New bikes |
You park outdoors or travel long distances |
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Local Insights for Hyderabad
- Most popular add-ons: Zero Dep + NCB Protect + RSA.
- Average bundle cost: ₹4,500.
- % of riders adding Engine Protect: 42%.
- Insurers offering best value bundles: HDFC ERGO, ICICI Lombard, Bajaj Allianz..
When to Buy Add-ons
- During policy purchase or renewal only.
- Before monsoon season (Engine Protect).
- Within 5 years of buying a new bike (Zero Dep, RTI).
- If you ride daily or long distances (RSA, NCB Protect).
How to Add Them Online
- Visit PolicyBachat during policy checkout.
- Choose your preferred add-ons and review premium impact.
- Complete payment - add-ons listed in policy PDF.
- Renew yearly to keep benefits active.
FAQs
Are add-ons mandatory for bikes?
No, they’re optional but highly recommended.
Can I add them mid-term?
Usually only during purchase or renewal.
Do add-ons increase premium?
Slightly, but they increase claim value drastically.
Which add-ons are best for city riders?
Zero Dep, NCB Protect, and RSA.
Which add-ons are best for rural areas?
Engine Protect and RSA.
Can I remove add-ons later?
Yes, during the next renewal.
Does NCB Protect work with all insurers?
Most major insurers offer it.
Can I get Zero Dep for an old bike?
Only for bikes under 5-7 years old.
Do add-ons apply to electric bikes?
Yes, with Battery and Charger Cover options.
Is Engine Protect included by default?
No, it’s separate.
Do add-ons cover wear and tear?
No, only specific damages covered.
Can I buy all add-ons together?
Yes, most insurers offer bundled packs.
Do add-ons affect claim approval?
They simplify it - clear coverage terms.
Are add-ons transferable to new bike?
No, new policy required.
Are digital add-ons valid like paper policies?
Yes, included in e-policy legally.
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Customer Reviews
- “Added Zero Dep and RSA - worth every rupee.” - Ravi G., Delhi
- “Engine Protect saved me ₹30,000 after flooding.” - Sneha D., Chennai
- “Great advice - NCB Protect helped keep my bonus.” - Vikram T., Pune
- “RTI gave full invoice value when my bike was stolen.” - Kavita R., Hyderabad
- “Loved the clarity on which add-ons actually matter.” - Arjun M., Bengaluru
- “Combined all add-ons - total peace of mind.” - Priya S., Mumbai
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