Love the thrill of off-roading? You’re not alone! Off-road biking is an exciting way to explore nature and challenge yourself. But just like any adventure sport, it comes with inherent risks. Insuring your bike with two wheeler insurance will keep you financially safe and will protect you from unexpected situations.
In this blog post we will explore the reasons why every off road riding enthusiast must consider to insure their two wheeler.
What is Two-Wheeler Insurance?
Two-wheeler insurance, is a financial product designed to safeguard you and your two wheeler against unforeseen events like accidents, thefts, flood. Basically in India insurance can be categorize in two main types.
Third-party Liability Insurance:
This is the compulsory insurance every two wheeler owner must have, failing which rider can face a hefty fine by traffic police in some cases you may even be jailed. Third party two wheeler insurance covers any injuries or property damage caused to a third party by you during an accident.
Comprehensive Two-Wheeler Insurance:
This plan offers additional protection by coverage for your own two-wheeler along with third-party liability. Comprehensive two wheeler insurance covers third-party liabilities along with damages to your own bike due to accidents, theft, fire, natural calamities, and even riots.
Why Off-Road Riders Must Insure Their Bikes?
Off-road riding are inherently challenging. You might encounter rough surfaces, steep inclines, and loose gravel, which increase the risk of accidents and damage to your bike. Here are the reasons, why having two-wheeler insurance for off road biker is crucial.
Protection against Repair Costs:
Off-road falls and collisions can cause significant damage to you and your bike. Repairs for you bike spare part like bent handlebars, broken rims, or a damaged engine can be expensive. Comprehensive insurance covers these repair costs, saving your pocket from getting empty.
Third-Party Liability Coverage:
With the worst riding condition while off riding, even the most skilled rider can meet with an accident. If you by mistakenly injured someone or damaged their property while off-roading, third-party liability insurance will cover the costs, preventing financial strain.
Peace of Mind:
Knowing you’re financially protected allows you to focus on enjoying the ride. You can explore new trails with confidence, knowing that in case of an incident, your insurance will take care of the financial burden.
Why Off Road Riders Consider Add-On Covers In Two Wheeler Insurance
Off road bikers with no experience in riding through tough roads and in favorable conditions have higher chances of meeting with an accident. New and in experience riders may hurt themselves or may hurt others by ramping on others unintentionally. So to enhance your insurance coverage comprehensively they should consider Add-on covers.
Higher Risk of Damage:
Off-roading exposes your bike to tougher and unfavorable conditions, increasing the chances of wear and tear, or damage due to falls or collisions. A comprehensive two wheeler insurance policy with add-ons can financially cover repairs and damages.
Standard Policy Exclusions:
Certain components like engine or specific parts might not be covered in the base comprehensive plan. Engine protection and other add-on covers can address these gaps.
Breakdown Assistance in Remote Locations:
Off-road adventures often take you to remote areas. Roadside assistance add-on provides help in case of breakdowns, flat tires, or other issues, getting you back on track quickly.
Zero Depreciation Cover:
Since off-road riding can lead to more frequent damage, zero depreciation ensures you receive the full cost of parts replaced without factoring in depreciation, maximizing the claim amount.
How to Insure Your Two Wheeler for Off Road Riding
Get Quotes and Compare Coverage
Don’t settle for the first insurance policy you come across, take some time to compare two-wheeler insurance online before getting quote from insurance company. This will allow you to compare coverage options, pricing, and any additional deals or discount they might offer.
Look for a policy that provides the right balance of protection for your off-road biking adventures without breaking the bank. Many insurance companies offer online quote tools, making the comparison process quick and convenient.
Review and Renew Smartly
Having the right insurance is crucial, but it’s equally important to ensure your coverage remains adequate. Make a habit of reviewing your existing two-wheeler insurance policy at least annually.
This allows you to assess if your coverage aligns with your current riding activities and the value of your bike. Your riding style or the bike’s value might change over time, so adjusting your coverage accordingly ensures you’re properly protected.
Remember, renewing your policy on time is just as important. A lapse in coverage can leave you financially vulnerable in case of an accident.
Final Thoughts
So, the next time you gear up for an off-road adventure, make sure you have two-wheeler insurance in place. Keep checking expiry date of your bike insurance, it’s a small investment that offers significant financial protection and peace of mind, allowing you to focus on the pure joy of off-road riding!
