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Bike Insurance Guide for Owners Living in Flood-Prone Cities

Team AckoJan 17, 2024

Floodwaters can wreak havoc on vehicles. As water engulfs the bike, it may affect the engine parts, corrode the wires, and even cause electrical issues. And if the engine is submerged, then you may never be able to ride the bike again.

If your bike is damaged in a flood, you can rely on the Comprehensive Bike Insurance Plan to cover the repair costs. Here is a bike insurance guide for owners who can be affected by flooding and how two-wheeler insurance offers financial protection in case of such damages.




Bike Insurance Advice for Owners Living in Flood Prone Areas

After the flood has receded, the amount of damage and destruction becomes obvious. When there is a flood, most people focus on helping family, friends, pets, and possibly strangers. But, after it stops, you have no choice but to pick up the pieces of your former life. This includes assessing the damages to property such as your bike and submitting claims.

Here is a guide for those living in flood-prone areas so that you take precautions and reduce your financial liabilities due to flooding.

Buy Comprehensive Two-wheeler Insurance Policy

Unlike the Third party Bike Insurance Plan, the Comprehensive Bike Insurance Plan is not mandatory; however, this plan provides coverage for damages to the insured bike. Damages due to natural and man-made calamities such as floods, storms, cyclones and riots, vandalism, strikes, etc., damages are covered under this plan.

Apart from coverage against the damages mentioned above, it also covers damages due to an accident, fire/explosion, total loss, and bike theft. Also, it covers third-party liabilities such as death or injury to the third party or damages to their property. For broader insurance coverage for your bike, the Comprehensive Insurance Plan is suitable for your bike.

Customise Your Policy With Add-ons

Add-ons increase the coverage of the primary plan for an additional premium. In addition, it makes the primary plan more robust and specific. Here are some of the add-ons that will enhance the coverage, primarily to protect you against damages caused due to flooding.

  • Engine Protection Cover: Flooding can damage the engine as water can quickly enter the engine, leaving irreparable damage. Repairing the damages to the engine is expensive and can drain your financial resources. With the bike's Engine Protection Cover, you can be financially secure against such repair costs.

  • Roadside Assistance Cover: Moving the bike after a flood can be a cumbersome task. You may have to hire a towing vehicle to tow the vehicle to the nearest garage. By including the Roadside Assistance Cover for the bike, you can avail of emergency assistance service and arrange for a pickup.

  • Consumables Cover: With the flood damaging some bike parts, you have to get it repaired to get it running again. However, the primary insurance plan does not cover consumables such as nuts and bolts, engine oil, lubricants, filters, screws, etc. With the Consumables Cover for two wheeler, you can get coverage against such liabilities.

Choose a Digital Insurance Company

Digital-first insurance companies such as ACKO offer bike insurance and related services only through the online platform. Whether you want to buy or renew the policy or even raise a claim, you can do so through the online platform. You do not have to fill forms or submit physical documents to submit a claim.

At ACKO, all you have to do is access your ACKO account through the website or the mobile application, select the Policy Card against your bike, and raise the claim. With the online approach, you can submit your claim within a few minutes, and the claims team will guide you through the process.

How to File a Claim for a Flood-Damaged Bike at ACKO?

Submitting claims at ACKO is hassle-free and straightforward. Here is how you need to raise your claim through ACKO’s website or mobile app.

  • Step 1: Access your account by logging in with your credentials.

  • Step 2: Select the Policy Card of your bike.

  • Step 3: Upload the picture of the damaged bike and soft copies of the required documents to file your claim.

What Should I Do With My Bike After a Flood?

Attempt to get your bike only after the floodwaters have receded as it is safe to do so. If required, have your motorcycle towed to higher ground. Here are some tips on dealing with a motorcycle that has been in the water.

  • Do not attempt to start the bike. If the water has entered the engine, you could cause even more damage.

  • Get a towing service to move your bike to higher ground, or wait till the water recedes.

  • Use a vacuum or a cloth to remove any standing water.

  • Use a cloth to absorb water that may have soaked into the cushions or the seat.

  • File your claim with ACKO immediately.

  • Above all, stay safe during a flood.

Key Takeaways

Here are some pointers that you need to keep in mind if your bike is damaged from flooding.

  • If your two-wheeler is damaged from flooding, you need a Comprehensive Bike Insurance Plan to pay for the damages.

  • File the claim immediately with ACKO.

  • Consider including add-ons for added advantage.

  • Choose a digital-first insurer such as ACKO for easier claim processing.

Frequently Asked Questions

Here are common questions related to insurance coverage for a bike.

Does bike insurance cover flood damage?


If you have purchased the Comprehensive Bike Insurance Plan, the plan will cover flood-related damage to your bike. While the Third-party Liability Plan covers third-party liabilities, it does not cover damages to the insured vehicle.

Does bike insurance cover rain damage?


The Comprehensive Insurance Plan covers damages to the insured bike caused due to heavy rains.

What to do if I do not have a Comprehensive Insurance Plan if my bike is damaged due to flooding?


For financial coverage against damages due to flooding, you must insure your bike with the Comprehensive Insurance Plan to cover such losses.

What if my flood-damaged bike is a total loss (damaged beyond repair)?


ACKO will pay the approximate market value of the bike in case the damages are beyond repair. However, this is applicable only if you have the Comprehensive Insurance Plan.

Will the insurance premium go up if I raise a claim for my flood-damaged bike?


The premium may not go up; however, if you raise a claim to cover the repair cost of the flood-damaged bike, you will lose the No Claim Bonus (NCB) of bike discount on the renewal premium.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet; and is subject to changes. Please go through the applicable policy wordings for updated ACKO-centric content and before making any insurance-related decisions. Explore More:


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