Insuremile
IRDAI/I NTAII/BA/51/2018
CIN: U72900KA2018PTC110119

When it comes to riding a scooter, safety should always be the top priority. While wearing a helmet is mandatory and vital for protection, what happens if your helmet gets damaged in an accident? This is where the Helmet Protection Add-On in scooter insurance steps in. This unique endorsement ensures that your helmet is as protected as you are. Let’s dive deeper into the features, benefits, and necessity of this add-on.

Helmet Protection Add-On


What Is the Helmet Protection Add-On?

The Helmet Protection Add-On is an optional coverage in scooter insurance that provides financial compensation for repairing or replacing your helmet in case of:

This add-on covers helmets up to a specified value, ensuring you don’t have to bear unexpected costs after an incident.


Why Is the Helmet Protection Add-On Important?

  1. Cost of Quality Helmets:
    Premium helmets designed for optimal safety can be expensive. This add-on ensures you’re reimbursed for repairs or replacements without stretching your budget.
  2. Essential Safety Gear:
    A damaged helmet compromises its protective function. This coverage allows you to replace it promptly, ensuring you’re always safe on the road.
  3. Protection Beyond Basic Policies:
    Standard scooter insurance doesn’t cover helmet damage, making this add-on a smart choice for complete protection.
  4. Ideal for High-Risk Riders:
    Riders who frequently travel on busy roads or in challenging weather conditions are more likely to benefit from this add-on.

Features of the Helmet Protection Add-On

  1. Coverage for All Types of Helmets:
    Whether you own a full-face, half-face, modular, or off-road helmet, this add-on has you covered.
  2. Customizable Coverage Amount:
    You can choose the insured value based on the type and cost of your helmet.
  3. Quick Claims Process:
    Claiming helmet damage is straightforward, especially when repairs or replacements are done at authorized vendors or network garages.
  4. Affordable Premium:
    The additional cost of this add-on is minimal compared to the potential expense of replacing a high-quality helmet.

How Does the Helmet Protection Add-On Work?

  1. Purchase as an Add-On:
    You can add this endorsement when buying or renewing your scooter insurance policy.
  2. File a Claim:
    If your helmet is damaged, stolen, or destroyed, file a claim by providing:

    • Policy details.
    • Proof of ownership of the helmet.
    • Incident details (e.g., accident report, photos).
  3. Reimbursement or Replacement:
    Depending on the insurer, you’ll either receive reimbursement for the repair/replacement costs or a new helmet.

Exclusions to Be Aware Of

  1. Normal Wear and Tear:
    Minor scratches or fading due to regular use are not covered.
  2. Uninsured Incidents:
    Damage that occurs outside the scope of the insurance policy, such as riding under the influence, may not be covered.
  3. Non-Compliant Helmets:
    Helmets that do not meet safety standards (e.g., ISI-certified in India) may not qualify for coverage.

Who Should Opt for Helmet Protection Add-On?


Key Benefits of Helmet Protection Add-On


Conclusion

The Helmet Protection Add-On is more than just a financial safety net—it’s a commitment to prioritizing your safety on the road. By ensuring that your helmet is always in top condition, this add-on empowers riders to travel confidently and responsibly.

When purchasing or renewing your scooter insurance, consider this add-on to safeguard one of the most crucial components of your riding gear. After all, safety always comes first!

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