Riding a bike on adventures or long trips is exciting, but it also comes with its risks and challenges. Whether you’re riding on rough roads or smooth highways, having the right bike insurance is very important to protect yourself and your bike.
In this blog, we will share some important bike insurance tips for adventure and touring riders to help keep you safe and covered during your travels. As well as buy bike insurance, how this will help you to protect your bike.
Choose Add-Ons That Match Your Needs
When you have two-wheeler insurance, it’s a good idea to enhance it with add-ons that offer more protection, especially for adventure and touring riders. Some useful add-ons include:
- Zero Depreciation Cover: With this add-on, in case of an accident, the insurance company will reimburse the cost of the parts as a whole instead of the depreciation of the bike.
- Engine Protection: This add-on covers engine damage due to water intrusion, oil spillage, and related phenomena. This is especially important for riders who cover long distances and face rough roads.
- Roadside Assistance: Travelling can take you to remote areas, and sometimes help may not be easily accessible in emergencies. Roadside assistance covers towing, fuel delivery, and minor repairs, ensuring you’re never stranded.
- Pillion Rider Cover: If you’re riding with a passenger, this add-on provides insurance for them as well, which is particularly important during adventurous tours.
Make sure to review your policy and discuss these add-ons with your insurance provider to find the best coverage for your riding needs.
Check the Policy’s Network of Garages
One of the most important factors when selecting two-wheeler insurance for long-distance rides is the network of garages available. Make sure your insurer has a wide network of cashless garages across the routes you plan to travel. This will allow you to get your bike repaired without paying out-of-pocket and claim reimbursement later.
If you’re touring in remote or less-developed areas, it’s also worth checking if your insurance company has tie-ups with local repair shops or service stations for emergency assistance.
Check Your Policy’s Terms and Conditions
Insurance policies have different rules and limits. As an adventure or touring rider, it’s important to understand these rules before you start your trip. Here are some key things to check:
- Geographical Limits: Some policies may limit coverage to specific regions or countries. Ensure that your two-wheeler insurance covers the areas where you plan to ride.
- Exclusions for Off-Road Riding: If you’re planning on off-road adventures, check if your policy covers damages that occur off-road. Some policies may exclude damage caused in off-road conditions, so it’s better to get clarity.
- Claim Process: Understand how to file a claim, what documents you need, and what steps to follow. Knowing this will help you if you need to claim your trip.
Maintain Your Bike Regularly
Even though two-wheeler insurance is important, it won’t cover problems caused by not taking care of your bike. Before going on a long trip, make sure your bike is in good shape. Regular checks like oil changes, brake tests, checking tire pressure, and lubing the chain will help avoid breakdowns and accidents.
A well-maintained bike is safer and can help you avoid insurance claims for mechanical issues.
Always Carry Necessary Documents
When you’re on a long trip, always have a copy of your insurance policy, bike registration, and other important papers with you. If you have an accident or get stopped by the police, having these documents will save time and help you avoid fines.
It’s also a good idea to keep emergency contact numbers and a list of nearby hospitals or service centers on your route.
Conclusion
Riding a bike on an adventure or long trip is exciting, but it’s important to be ready for anything that might happen. By picking the right two-wheeler insurance, getting useful add-ons, understanding your policy, and keeping your bike in good condition, you can have a safe and fun ride.
If you want to buy bike insurance online, visit Square Insurance. You can compare, buy, and renew your insurance all in one place. Compare different policies and pick the one that works best for you.
