Minus/plus icon
ResourcesExplore the full ACKO experience and make the most of your plan

Home / Two-wheeler Insurance / Articles / Different types of riders and bike insurance add-ons

Different types of riders and bike insurance add-ons

Team AckoFeb 22, 2024

India is a diverse country, and the same can be said when it comes to two-wheeler riders in India. Yes, there are different types of bike riders in India. Some like to tour on bikes, and some like to seek adventure on their bikes, and some riders stick to the traffic rules and commute within speed limits.

No matter what type of rider you are, bike insurance is mandatory in India. A Comprehensive Two-wheeler Insurance Plan is better than the mandatory Third-party Policy if you are looking for all-around coverage. Also, the Comprehensive Policy allows you to opt for add-ons for enhanced coverage benefits as per your riding style and insurance needs. This article throws light on the bike insurance add-ons for different types of two-wheeler riders.

7 Types of Riders You Will Meet on Indian Roads



Bike insurance add-ons for different types of bike riders in India

As mentioned earlier, there are different types of riders in the country. The riding style varies depending on the kind of two-wheeler you own. For instance, a person with a sports bike may ride the bike at high speeds, and a person with a scooter may ride the two-wheeler at slow speeds. Whatever may be your riding style, a Comprehensive 2-wheeler Insurance Plan provides broad coverage for your vehicle.

A Comprehensive Policy provides dual coverage benefits, including the mandatory Third party Bike Liability Cover and Own Damage Cover. Hence, the insurance plan covers you against third-party losses, damages to your bike/scooter and total loss (damaged beyond repair) or theft of the insured two-wheeler. However, if you wish to expand the scope of coverage, you can opt for add-ons.

An add-on is a bite-sized insurance cover that offers additional coverage/add-on services on top of the standard Comprehensive Cover. You can opt for add-ons while purchasing/renewing the Comprehensive Policy. ACKO provides a host of add-on covers for bike insurance which we will discuss in this article.

Here are the bike insurance add-ons for different types of two-wheeler riders in India.

The slow rider

If you ride your bike/scooter at slow speeds and follow traffic rules, you are a very safe rider. Hence, the probability of you getting involved in an accident/mishap are slim, and in turn, the chances of vehicle damages are also less. So, the Comprehensive Policy provides sufficient coverage for your riding style, and you may not require to opt for any add-ons. The cost you save by not buying add-ons is the reward for your safe riding style.

The traveller/adventure rider

If you like to travel long distances on your bike or wish to explore the unbeaten path on your two-wheeler, the Comprehensive Bike Insurance Plan may fall short in terms of coverage.

Touring on your motorcycle means you will be riding in a new place. And if your two-wheeler breaks down in an unknown location, getting assistance is a challenge. But opting for the below add-ons may come in handy if you are a traveller or adventure rider.

  • Outstation Emergency Cover: This add-on will provide you with assistance if your two-wheeler breaks down or meets with an accident outside a 100 km radius of your residence. If you purchase this add-on, ACKO is liable to pay the amount specified in the add-on cover. The Outstation Emergency Cover add-on is helpful if you often go on long rides on your bike/scooter.

  • Key Protect Cover: Imagine if you lose your bike key while on a motorcycle tour. It will ruin your trip and also incur additional expenses. But if you opt for the Key Protect add-on, ACKO will cover the cost of replacing the key if it’s lost, damaged or stolen. The add-on also covers expenses of repair/replacement of the lockset in case of theft.

The fast rider

A sports/high-end bike is exciting to ride as it gives you a sense of actual speed. If you own such a two-wheeler, you may ride at high speeds. Sports bikes are typically equipped with larger engines and premium parts, and any damage to those components may burn a hole in your pocket. A Comprehensive 2-wheeler Policy does not cover all the components of your bike, and sometimes certain types of damages are not covered. In that case, you can opt for the add-ons mentioned below.

The below add-ons will come to your rescue if you ride a sports or high-end bike.

  • Engine Protect Cover: The engine is one of the crucial components of your bike, and the Comprehensive Policy does not cover engine damages. That’s when the Engine Protect cover for bikes helps you. If you opt for this add-on, ACKO will cover the costs involved in repairing/replacing the engine parts. Damage caused to the engine due to leakage of engine oil/coolant and hydrostatic lock is covered under this add-on.

  • Consumables Cover: This add-on will cover the expenses of the consumable items used during the repair/service of your two-wheeler. The cost of consumable items such as engine oil, coolant, nuts and bolts, etc., are not covered by the Comprehensive Bike Insurance Plan. But if you opt for the bike's Consumables Cover, ACKO will cover such expenses.

The new rider

If you have just purchased a new bike/scooter, you may have limited riding experience. With limited experience, the chances of dropping your two-wheeler are high. So, make sure to opt for a Comprehensive Bike Insurance Policy when you buy your new bike/scooter. To enhance the coverage, you can also opt for specific add-ons; that way, you will have peace of mind while riding.

Here are the add-ons you can opt for if you are a new rider.

  • Zero Depreciation Cover: The value of a new bike/scooter will depreciate over time due to wear and tear. During claim settlements, the depreciated value will be deducted from the claim amount. But if you opt for the Zero Depreciation Cover for two wheeler, ACKO is liable to pay the cost of repair/replacement of components without deducting the depreciation value.

  • Roadside Assistance Cover: This add-on will provide you with assistance if you are stranded on the road. ACKO will provide technical assistance if your bike has a flat tyre, runs out of fuel or suffers any other type of damage. ACKO will also offer tow service if your bike needs to be transported to the nearby service centre.


A Comprehensive Bike Insurance Plan provides broad coverage for your two-wheeler, but there are specific policy exclusions. To fill that void, you can purchase add-ons depending on your riding style and the type of two-wheeler you own. At ACKO, you can buy add-ons online with a nominal increase in the bike insurance premium. For more details about add-ons offered by ACKO, visit the website or download the mobile app.

Frequently asked questions

Here are some of the frequently asked questions related to bike insurance add-ons.

How can I buy two-wheeler insurance add-ons at ACKO?


You can purchase bike insurance add-ons when buying/renewing the Comprehensive Bike Insurance Plan. Log on to the ACKO website/app, enter your two-wheeler and previous bike insurance details, select the policy and then select the required add-ons. Complete the payment online and receive the policy documents instantly.

Will buying add-ons increase the bike insurance premium?


Yes, opting for add-ons will increase the premium, but only nominally. Add-ons are inexpensive, and the coverage they offer is worth the price you are paying.

Is there any special claim process for add-on covers?


No, the process of making a claim against add-on covers remains the same as the standard bike insurance plan. Upon receiving the claim request, ACKO will verify the scope of coverage before settling the claim.

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:


Want to post any comments?


Bike insurance prices starting at just ₹457*

Buy or Renew Two Wheeler Insurance in 2 Minutes ⚡

Bike number

Looking to insure brand new bike?

Zero commissions, big savings

UID: 5676 | *T&Cs apply

quote icon

Get Quote

quote icon