Scooter insurance add-ons enhance your basic policy, providing extra protection against unexpected risks. While a comprehensive insurance policy covers accidents, theft, and natural disasters, add-ons can help you save money on repairs and avoid financial setbacks. But which ones are truly worth it? Let’s find out!
Top Scooter Insurance Add-Ons You Should Consider
1️⃣ Zero Depreciation Cover – Get Full Claim Amount
📌 Why It’s Worth It: Covers full repair costs without depreciation deductions on parts like plastic, rubber, and metal.
✅ Best for: New scooter owners, those using premium scooters.
2️⃣ Engine Protection Cover – Shields Against Water & Oil Damage
📌 Why It’s Worth It: Prevents high repair costs if your engine is damaged due to floods, waterlogging, or oil leaks.
✅ Best for: Those living in flood-prone or coastal areas.
3️⃣ Roadside Assistance Cover – Emergency Help on the Go
📌 Why It’s Worth It: Provides 24/7 assistance for breakdowns, towing, fuel refills, flat tire fixes, and minor repairs.
✅ Best for: Frequent travelers, long-distance riders.
4️⃣ Consumables Cover – Covers Small But Costly Repairs
📌 Why It’s Worth It: Pays for oil changes, nuts, bolts, lubricants, and brake fluids—which are usually excluded in a standard policy.
✅ Best for: Those who ride regularly and need frequent maintenance.
5️⃣ Personal Accident Cover – Essential for Rider’s Safety
📌 Why It’s Worth It: Offers financial support in case of disability or death due to an accident.
✅ Best for: Mandatory for every scooter rider, especially daily commuters.
6️⃣ Return to Invoice Cover – Full Reimbursement for Stolen or Totaled Scooters
📌 Why It’s Worth It: In case of theft or total loss, you get the full invoice value instead of the depreciated value.
✅ Best for: Expensive scooter owners, those living in high-theft zones.
7️⃣ Key Replacement Cover – Saves Cost on Lost or Stolen Keys
📌 Why It’s Worth It: Covers the cost of replacing lost or stolen keys, including lock replacement if needed.
✅ Best for: Forgetful or busy riders who often misplace keys.
Which Add-Ons Should You Choose?
Here’s a quick guide to choosing the right add-ons based on your needs:
| Rider Type | Recommended Add-Ons |
|---|---|
| Daily Commuters | Zero Depreciation, Roadside Assistance, Personal Accident Cover |
| Highway Riders | Roadside Assistance, Engine Protection, Consumables Cover |
| City Riders | Key Replacement, Personal Accident Cover |
| New Scooter Owners | Return to Invoice, Zero Depreciation, Engine Protection |
| Flood-Prone Area Riders | Engine Protection, Zero Depreciation |
Frequently Asked Questions (FAQs)
1️⃣ Are scooter insurance add-ons mandatory?
No, add-ons are optional. However, they offer extra protection and can save you money on repairs and replacements.
2️⃣ Can I add these covers later after buying my policy?
Yes, most insurers allow you to add extra covers at the time of renewal or within a specified period after purchase.
3️⃣ Does Zero Depreciation cover all types of damages?
No, it only covers depreciation costs on parts. It does not cover engine damage, tires, or accessories unless separately insured.
4️⃣ Is Engine Protection Cover necessary for every scooter?
If you live in a flood-prone area or regularly ride through waterlogged roads, this cover is highly recommended.
5️⃣ What happens if I lose my scooter keys and don’t have Key Replacement Cover?
Without this cover, you will have to bear the entire cost of getting a new key and possibly replacing the lock.
6️⃣ How much do these add-ons increase the premium?
The cost varies depending on the insurer and the scooter’s value, but typically add-ons increase the premium by 5-15%.
7️⃣ Can I remove an add-on if I don’t need it anymore?
No, add-ons are valid for the policy period. You can remove them only when renewing your insurance.
Final Thoughts
Not all add-ons are necessary for every scooter owner, but choosing the right ones can save you from unexpected financial stress. If you ride daily, live in high-risk areas, or own an expensive scooter, investing in add-ons like Zero Depreciation, Engine Protection, and Roadside Assistance can be a smart decision.
🚀 Looking for the best scooter insurance with the right add-ons? Compare policies on InsureMile and ride worry-free!
