Bike Insurance Guide for Owners Living in Flood-Prone Cities

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.

Yes, most insurers will provide coverage for flood damage in a Comprehensive Bike Insurance policy. A third-party insurance, which is mandatory according to the Motor Laws of 1988 does not provide coverage for damage to the two-wheeler due to flood. 

In case your bike is damaged due to flood, here are some of the things you need to know:

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.
 

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.

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.

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.

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.

If your two-wheeler is damaged from flooding, you need a Comprehensive Bike Insurance Plan to pay for the damages. So, get a comprehensive bike insurance policy and stay protected against damages to your two-wheeler.