Reasons Why Regular Bike Insurance Is Not Enough For Your Sports Bike

Superbikes are high-performance machines bearing a hefty price tag and mandating high maintenance and repair costs. Resultantly, the standard two-wheeler insurance policies may not be enough to keep up with the expenses incurred in case of any damage to such bikes.

Thus, opting for tailor-made bike insurance policies is important to safeguard your financial interests in such situations.

Here are some reasons why a dedicated insurance plan is crucial for superbikes –

Since superbikes are expensive machines, they incur high costs in case of damage. Even though standard policies may cover basic expenses incurred, they may be insufficient here.
Regular motor insurance policies may not include adequate own damage and pillion rider coverage, which is vital for any superbike. Crashes involving such motorcycles can cause severe injuries to the co-rider, as well as the bike. Hence, availing a comprehensive insurance policy that covers these instances is crucial in such cases.
Superbike-specific insurance plans allow you to opt for a zero depreciation add-on cover. It does not calculate the bike’s depreciation factor during an insurance claim, and you can get the full sum insured.
Standard two-wheeler motor insurance policies may not include roadside assistance services, but for bikes like these, it is necessary. The reason being, these motorcycles are heavy, and roadside garages often do not have the required machinery to fix them. With add-on services like this, you can take your bike to the nearest authorized service center.

In this regard, you can opt for a comprehensive insurance policy for the motorcycle alongside other add-ons. If you already have a third-party insurance policy in place, you can choose to purchase the standalone own damage cover.

Nevertheless, having bike insurance is mandatory to drive on Indian roads, irrespective of the cubic capacity of your motorcycle. So, choose wisely while shopping for a dedicated superbike insurance policy to enjoy the best benefits.

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