India is a geographically diverse country and battles a wide range of natural disasters like floods, earthquakes, and cyclones. These disasters can result in the loss of lives and the destruction of property and vehicles. Hence, when you are purchasing a bike insurance policy, you must ensure that it offers coverage for damages to your insured bike due to such disasters.

There are two types of bike insurance policies available – third-party liability and comprehensive insurance for 2-wheelers. These policies have a fixed term, and you need to ensure that you renew the policy on or before its expiry date. You can also opt for a long-term bike insurance plan to get discounts on premiums and avoid the hassle of renewing it every year. Of these, comprehensive bike insurance plans offer coverage for damage to a third-party person or property and to the insured vehicle due to accidents, collisions, theft, fire, man-made disasters, and natural disasters. In this article, we will look at the benefits of two-wheeler insurance during natural disasters.

Advantages of Two-wheeler Insurance

When you buy comprehensive online insurance for your two-wheeler, the insurer offers coverage for:

  1. Third-party liabilities,including damages to a third-party person or property due to an accident involving the insured bike. This also covers legal liabilities arising from an accident involving the insured bike.
  2. Damages to the insured bike,including damages to the insured bike due to an accident or collision, fire, man-made disasters like vandalism, riots, etc., and natural disasters like cyclones, earthquakes, or floods. It also offers coverage for total loss if the bike is stolen or damaged beyond repair.

Bike Insurance Benefits in the Event of Natural Disasters

Natural disasters can damage property and vehicles. Depending on where you live, your bike can be exposed to risks of damage due to natural disasters like floods, cyclones, earthquakes, etc.

When you opt for a comprehensive bike insurance policy, the insurer offers compensation for repairing and replacing parts if the insured bike gets damaged due to any such event. Hence, you can get complete coverage for your two-wheeler and not just protection from damages due to accidents.

Some Add-on Covers to Boost the Coverage for Damages Due to Natural Disasters

When you opt for a comprehensive two-wheeler insurance plan, you get the option of choosing add-on covers to boost the coverage based on your needs. Some add-on covers can help you boost protection from damage due to natural disasters. These include:

  • Bumper-to-Bumpercover: This is also known as Zero Depreciation cover, which covers the cost of replacement of bike parts without factoring in depreciation. Usually, insurers process the claim amount after deducting depreciation that the bike undergoes due to wear and tear. With the Bumper to Bumper cover, you can negate the effect of depreciation and get the maximum settlement amount.
  • Engine Protect cover: Natural disasters like floods can damage the engine of your bike apart from other physical damages. With the Engine Protect add-on cover, the insurance provider will offer coverage for the costs associated with repairing the engine and replacing the required parts. This includes damages due to natural disasters too.


If you are looking for complete protection for your bike, especially from damages due to natural disasters, it is important to look for a comprehensive bike insurance policy that covers such disasters. Make sure that you compare providers and plans and go through the policy wordings and look at the list of inclusions and exclusions before signing the dotted line. Also, assess the risks of natural disasters in your area to choose the right add-on covers to get the protection you want for your bike.