How two-wheeler insurance can be helpful during monsoons
Two-wheeler insurance is an essential requirement to safeguard riders and their vehicles from the challenges faced on the road, especially during monsoons. The arrival of heavy rains, slippery roads, and increased risk of accidents make comprehensive insurance necessary. Here is how a comprehensive two-wheeler insurance policy can be helpful for you during monsoons:
Financial protection
Monsoons bring unpredictable weather conditions that can result in accidents or damage to your bike. A comprehensive two-wheeler insurance policy offers financial protection against such unforeseen events. It covers the repair costs or replacement of your bike in case of damage or even theft. A third-party bike insurance policy on the other hand offers financial protection against any third-party liabilities resulting from unforeseen incidents or accidents.
Add-on covers
For enhanced coverage, you can opt for the below-mentioned add-on covers at additional costs. These add-ons provide additional financial support in specific situations and can be customised based on your requirements.
- Engine protection cover
Being the heart of your bike, it becomes essential to protect the engine from several associated risks. Also, it can be expensive to repair your bike if damaged due to water ingress during the monsoon season. So, you need coverage that covers for the cost of repairing a damaged engine.
An engine protection cover provides coverage against the damages or loss incurred due to leakage of oil, coolant, lubricant, water ingression, gearbox damage, or engine failure to your bike in the monsoons. If you live in a flood-prone area or a heavy-rainfall region, you must consider buying this add-on cover for your bike.
- Tyre protection cover
A tyre protection add-on cover for a bike is another useful and popular add-on cover available with your comprehensive bike insurance policy.
During the rainy season, broken roads, potholes, and bumpy roads can put added stress on your tyres. Tyre replacement is expensive, and in such cases, a tyre protection add-on cover saves you from incurring unforeseen cost of repairs or replacement during the monsoon.
You can get your two-wheeler insurance policy at Bajaj Finance Insurance Mall and add this cover to your policy. Bajaj Finance partners with leading insurance companies and helps you choose the best insurance policy for your two-wheeler. This add-on cover includes expenses on labour charges, accidental damages to the tyres or tubes, and replacement of old, damaged tyre with a new rim during the rainy season.
- Roadside assistance cover
A roadside assistance cover assists you if you get stuck somewhere due to any technical issue or engine breakdown, especially in the monsoon season.
In a roadside assistance cover, you get plenty of aid if you get into trouble while riding your bike. It covers issues related to flat tyres, battery, technical and mechanical breakdowns, key replacement, and more.
Since roads during the monsoon are worse than on any other day, this add-on cover can rescue you during your tough times.
Peace of mind
Another advantage of having two-wheeler insurance during the monsoons is that it gives you peace of mind and you can ride your bike without any stress, knowing fully well that you are financially covered against unforeseen damages.
While having two-wheeler insurance gives you financial coverage and peace of mind, maintaining your bike well helps you avoid expensive repair jobs. Here are some of the ways to help you keep your bike in good condition:
- Regular cleaning
During the monsoons, your bike faces dirt, mud, and water, which can lead to rusting and damage. It is important to clean your bike regularly. Pay extra attention to the chain, brakes, and other metal parts. Applying a protective coat of wax or polish can help prevent rust on your bike.
- Check tyre pressure
Wet roads can be slippery and maintaining proper tyre pressure becomes even more critical during the monsoons. Check your bike's tyre pressure regularly and inflate them to the manufacturer's recommended levels. Good traction will not only provide a safer ride but also prevent hydroplaning.
- Keep chains lubricated
Since the chain of the two-wheeler gets rusted as the water reaches them easily, it is important to lubricate them with grease and engine oil. The chain of two-wheelers requires lubrication occasionally and needs servicing to keep them in good condition.
- Check the condition of the engine and brake pads
Since the engine is not covered in your comprehensive bike insurance policy, it is important to keep it clean and in good condition. In the rainy season, the roads get muddy, and a splash of the wet mud sticks below the engine can ruin it immensely. You should keep it clean as it is prone to get rusty if you do not clean that wet mud.
Moreover, check your brake pads as the constant use of brakes reduces their efficiency, and the water makes the brake slip. Make sure that the grip of your brake pad is intact and has not been rubbed off due to constant friction on the rim of the tyre.
You can maintain your bike by following these tips and getting the right insurance policy for your two-wheeler as well. You can go to Bajaj Finance Insurance Mall and compare different plans provided by various insurance companies. Make sure to check the coverage details of different bike insurance plans and select the one that suits your needs and budget.
Disclaimer: T&C Apply. Bajaj Finance Limited ('BFL') is a registered corporate agent of third- party insurance products of partner insurers under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. URN No. BFL/Advt./23-24/119
