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Bike Insurance Benefits In Case Of Natural Disasters

Natural disasters are unforeseeable weather events that cause significant damage and loss of human life and property, including vehicles. As a two-wheeler owner, purchasing the ideal bike insurance policy is critical to receive benefits if a cyclone hits your city and damages your bike due to water ingress in the engine.

How do different natural disasters affect you?

Earthquakes, floods, cyclones, and hurricanes are some examples of natural disasters.

Natural disasters affect millions of people every year, and the consequences are catastrophic. The effect can be seen everywhere, from the heavy destruction of buildings and structures to the destruction of personal belongings, including motor vehicles. A single strike can devastate an entire nation in an instant.

What does your bike insurance policy cover in case of natural disasters?

To legally ride a bike in India, you must have a third-party bike insurance policy. However, you can purchase a complete bike insurance policy if you want a comprehensive package to protect your bike from natural disasters or events.

It is an optional cover that protects your bike from natural disasters beyond human control, such as fires, cyclones, floods, earthquakes, hailstorms, etc.

A comprehensive bike insurance policy protects your bike financially against natural and man-made disasters. As a result, you do not need to purchase any additional bike insurance coverage for each one. It safeguards against many situations that could severely damage your insured bike.

Natural disaster-related bike insurance add-on covers

Your bike insurance add-on covers enhance the standard policy’s coverage. Your comprehensive bike insurance policy provides extensive protection by including third-party and own damages*, but the add-on cover extends to the comprehensive plans.

Furthermore, you can easily calculate your bike’s premium amount when you buy add-ons by using a two wheeler insurance premium calculator online. Some add-ons include:

  1. Engine Protection Cover*

As the name implies, this add-on benefit covers costs associated with replacing or repairing engine parts caused by natural disasters such as flooding. It covers damage caused by lubricating oil, coolant, engine part leaks, and hydrostatic lock.

  1. Zero Depreciation Coverage*

This add-on covers the cost of replacement parts without considering the bike’s depreciated value. Each bike part depreciates over time due to normal wear and tear. As a result, it is a necessary cover that is ideally designed to save you from having to pay an amount out of your pocket.

  1. Consumables Cover* –

You can buy bike insurance online or offline along with such add-ons. Consumables include distilled water, engine and gearbox oil, nuts and bolts, grease oil, lubricants, and so on. These items are excluded from standard plans, which is why consumable coverage comes in handy during difficult times.


If you want to protect your bike from the effects of several natural disasters, get a comprehensive bike insurance policy that covers both natural and man-made disasters. You can also supplement your policy’s coverage by purchasing add-on covers.

A comprehensive policy covers not only natural disasters but also man-made calamities. As a result, your bike is protected against most unforeseen events. Additionally, purchasing bike insurance online is simple. You should receive the policy document via email within a few minutes of buying the policy. As a result, your bike can always be insured.

‘Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.‘

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply

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