Bike Insurance In Chennai

Uneven road conditions in Chennai can lead to minor dents or accidents, damaging your bike's plastic or rubber parts. If you have a zero-depreciation add-on, you can secure the full claim amount of the damaged parts without any depreciation deductions.

During monsoons, many parts of Chennai experience waterlogging or flash flooding. If you live in such flood-prone areas, your bike's engine remains at serious risk. With an engine protector add-on, you can recover common engine repair costs from water and oil leaks. 

Riding your bike daily requires periodic engine oil refills. Also, minor accidents can necessitate replacing brake fluids, nuts, bolts, and other minor parts. As these consumables are not covered under standard bike insurance, considering this add-on can help you save on costly repairs. 

Losing bike keys is more common than you might think. If it ever happens to you, this crucial add-on compensates for the replacement cost of lost or broken bike keys. Additionally, you can rely on it to replace your bike’s damaged lock set. 

If any of your bike's tyres are accidentally damaged, this cover can pay for the necessary repair or replacement costs. Therefore, it can be useful for riders who travel long distances on their bikes daily. It even includes wheel balancing, alignment and consumables costs. 

With this add-on, your no-claim bonus benefits are retained even after you file a claim in a particular policy year*. However, for this work, your claimed amount should not exceed 25% of your bike insurance plan’s insured declared value (IDV) amount.  

Suppose your helmet is damaged in a road accident. If you have the helmet cover, then it will offer you the cost to replace your old helmet or buy a similar model. This protects your safety, especially since some helmets are costly, and thus many might delay purchasing a new one. 

This add-on ensures that you get back your bike’s original invoice amount if it is stolen or declared as a ‘total loss’ following a major accident. Your refund amount not only includes the ex-showroom price but also the one-time registration fee, road tax and insurance premiums.  

The EMI protection cover proves to be beneficial when your bike repair or replacement takes more than 30 days. It guarantees to cover up to 3 EMIs on your behalf when the repair period is more than 30 days, thus assuring you an extra layer of financial safety.  

With this daily allowance add-on, you can receive up to ₹5,000 per day* if your bike is being repaired at an authorised garage for more than 2 days following an accident. You can use this amount to cover the costs of alternative transportation methods for your daily commute. 

It is not practically possible to fully avoid potholes and debris when riding a bike, and these can heavily damage your bike’s wheel rims. Thus, you can purchase a wheel rim protection cover to prevent financial losses from these types of incidents.  

A bike assistance add-on ensures 24/7 support whenever your bike suddenly breaks down, suffers a flat tyre, runs out of fuel, or gets stuck in a remote spot with no garages in sight. It includes emergency fuel delivery, towing, on-site repairs, etc., so that help arrives when you actually need it. 

Following an accident involving your insured bike, if you are hospitalised for more than 24 hours, this add-on provides you with a daily payout. The coverage applies when your hospital stay exceeds 7 days. Additionally, you receive extra compensation after your recovery. 

By choosing this add-on, you can reduce your bike insurance premium, but every time you raise a claim, you will have to pay a definite portion before the coverage kicks in. Even in the event of a total loss, the same rule will apply, i.e., you have to pay your deductible amount first before we cover the rest. 

It covers the repair or replacement costs of your EV bike or scooter’s battery if it is accidentally damaged due to power surges, water leaks, or other types of accidents. This coverage is very useful for riders in Chennai, since the battery is the most expensive component of any EV bike. 

The EV Motor Protect add-on covers the repair costs of your electric bike’s motor or pays for the replacement of its faulty transmission units. So, when you buy it, you can rest assured that if the motor is damaged due to oil or water leakage, your insurance will cover that. 

In the event that your electric bike's charger or parts like cables and adapters are damaged by incidents such as fire, flooding, power surges, or accidents, the electric vehicle charger add-on provides coverage for repair or replacement expenses.