What Is Covered Under Your Two Wheeler Insurance Policy?

Riding a two-wheeler is a convenient and cost-effective mode of transportation. However, it also comes with its own set of risks. Accidents, theft, and natural calamities can cause damage to your two-wheeler, leading to financial losses. This is where a two-wheeler insurance policy comes in to protect you from such unforeseen events.

But what exactly is covered under your two-wheeler insurance policy? In this article, we’ll explore the different aspects of two-wheeler insurance coverage and help you understand what is included in your policy.

What Is Two Wheeler Insurance Coverage?

Two-wheeler insurance coverage is a type of insurance policy that provides financial protection against damages or losses incurred by your two-wheeler. It is mandatory by law to have at least a third-party liability insurance policy for your two-wheeler in India.

There are two types of two-wheeler insurance policies available in India - third-party liability insurance and comprehensive insurance. Third-party liability insurance covers damages or losses caused to a third party by your two-wheeler. On the other hand, comprehensive insurance covers damages or losses caused to your two-wheeler as well as third-party liabilities.

What Is Own Damage Insurance?

Own damage insurance coverage is a type of insurance that protects your two-wheeler against damages or losses caused by natural calamities, accidents, and theft. It is a part of comprehensive insurance and is not included in third-party liability insurance.

Is Clutch Covered Under Insurance?

The clutch is an essential part of a two-wheeler and is responsible for transferring power from the engine to the wheels. However, it is not covered under insurance as it is considered a wear and tear item. This means that any damages or losses caused to the clutch will not be covered by your insurance policy.

What Is Covered Under Two Wheeler Insurance?

Now that we have a basic understanding of two-wheeler insurance coverage, let’s take a closer look at what is covered under a comprehensive insurance policy.

Accidents

Accidents are one of the most common causes of damages to two-wheelers. A comprehensive insurance policy covers damages or losses caused by accidents, including collisions with other vehicles, objects, or pedestrians.

Natural Calamities

Natural calamities such as floods, earthquakes, cyclones, and landslides can cause significant damage to your two-wheeler. A comprehensive insurance policy covers damages or losses caused by such events.

Theft

Two-wheelers are a prime target for thieves, and the loss of a two-wheeler can be financially devastating. A comprehensive insurance policy covers the loss of your two-wheeler due to theft.

Fire

In the unfortunate event of a fire, a comprehensive insurance policy will cover the damages or losses caused to your two-wheeler.

Third-Party Liabilities

As mentioned earlier, a comprehensive insurance policy covers damages or losses caused to a third party by your two-wheeler. This includes damages to their vehicle, property, or person.

Personal Accident Cover (PAC)

A comprehensive insurance policy also includes a personal accident cover for the owner-driver of the two-wheeler. This provides financial protection in case of accidental death or disability of the owner-driver.

Add-On Covers

Apart from the standard coverage, you can also opt for add-on covers to enhance your two-wheeler insurance policy. These add-ons provide additional coverage for specific events and can be customized as per your needs. Some common add-ons include zero depreciation cover, engine protection cover, and roadside assistance cover.

What Is Covered in Bike Insurance?

Bike insurance is another term used for two-wheeler insurance. The coverage and benefits of a bike insurance policy are the same as a two-wheeler insurance policy.

What Is Covered Under Third-Party Liability Insurance?

As mentioned earlier, third-party liability insurance covers damages or losses caused to a third party by your two-wheeler. This includes damages to their vehicle, property, or person. However, it does not cover any damages or losses caused to your two-wheeler.

What Is Covered Under Comprehensive Insurance?

A comprehensive insurance policy covers damages or losses caused to your two-wheeler as well as third-party liabilities. This includes accidents, natural calamities, theft, fire, and personal accident cover for the owner-driver. It also includes add-on covers for enhanced protection.

What Is Own Damage Insurance Meaning?

Own damage insurance is a type of insurance coverage that protects your two-wheeler against damages or losses caused by natural calamities, accidents, and theft. It is a part of comprehensive insurance and is not included in third-party liability insurance.

What Is SCPA in Bike Insurance?

SCPA stands for Standalone Own Damage Premium for Motor Vehicle Insurance. It is a type of insurance coverage that provides protection against damages or losses caused to your two-wheeler due to natural calamities, accidents, and theft. It is an add-on cover that can be purchased along with a third-party liability insurance policy.

Parts Covered Under Bike Insurance

A comprehensive insurance policy covers damages or losses caused to all parts of your two-wheeler, including the engine, gearbox, and electrical components. However, as mentioned earlier, the clutch is not covered under insurance as it is considered a wear and tear item.

Is Clutch Plate Covered Under Insurance?

As mentioned earlier, the clutch is not covered under insurance as it is considered a wear and tear item. This means that any damages or losses caused to the clutch will not be covered by your insurance policy.

Conclusion

In conclusion, a two-wheeler insurance policy provides financial protection against damages or losses caused to your two-wheeler. A comprehensive insurance policy covers damages or losses caused by accidents, natural calamities, theft, fire, and third-party liabilities. It also includes a personal accident cover for the owner-driver and add-on covers for enhanced protection. However, the clutch is not covered under insurance as it is considered a wear and tear item. It is essential to understand the coverage and benefits of your two-wheeler insurance policy to ensure that you are adequately protected in case of any unforeseen events.