Owning a bike is not just about freedom and convenience, it’s also a responsibility. Accidents, theft, and natural disasters can lead to significant financial losses, even with basic two-wheeler insurance. That’s where add-ons come into play. By customizing your SBI General Two-Wheeler Insurance policy with the right add-ons via Quickinsure, you can enhance your protection and ensure peace of mind on every ride.
In this article, we’ll break down the most useful add-ons available with SBI General’s bike insurance plans, how to choose the best ones, and how Quickinsure makes the process simple, fast, and 100% digital.
?️ Why Add-Ons Matter in Two-Wheeler Insurance
A basic two-wheeler insurance plan—especially third-party coverage—has limitations. While it fulfills legal requirements, it doesn’t cover your own bike’s damage or personal losses. Even a comprehensive policy may not cover everything unless you customize it.
Add-ons are optional covers that strengthen your base policy. They are affordable, highly practical, and tailored to real-life scenarios. Whether you're a city commuter or long-distance rider, add-ons provide an extra layer of protection that can save you big when things go wrong.
? Top Add-Ons Available with SBI General Bike Insurance
When you purchase or renew your SBI General Two-Wheeler Insurance via Quickinsure, you can choose from several useful add-ons based on your needs:
- ✅ Zero Depreciation Cover
What it does:
This add-on ensures that you receive the full claim amount without any deduction for depreciation on bike parts during repair.
Why it’s useful:
Normally, insurers deduct depreciation on parts like plastic, rubber, and metal. This can reduce your claim by a significant margin. Zero depreciation ensures you don’t have to pay out-of-pocket for parts replacement, especially useful for bikes less than 5 years old.
- ✅ Return to Invoice Cover
What it does:
In case your bike is stolen or declared a total loss, you receive the full invoice value, including registration charges and road tax.
Why it’s useful:
Without this add-on, you only get the current market value (IDV) of your bike, which is always lower due to depreciation. This is a must-have for new or high-end bikes.
- ✅ NCB (No Claim Bonus) Protection
What it does:
Preserves your NCB even if you file a claim during the policy year.
Why it’s useful:
Normally, even one claim can reset your NCB to zero. This add-on helps you retain your accumulated discounts, saving you money on future premiums.
- ✅ Roadside Assistance (RSA)
What it does:
Provides on-call help in case of a breakdown, flat tires, fuel shortage, or battery issues—anywhere, anytime.
Why it’s useful:
Ideal for riders who frequently travel long distances or commute daily. It reduces stress during emergencies and avoids the hassle of arranging local help.
- ✅ Engine Protection Cover
What it does:
Covers repair or replacement costs for engine and gearbox damage caused by water ingression or oil leakage.
Why it’s useful:
Regular comprehensive policies don’t cover internal engine damage. This add-on is extremely helpful during monsoons or in flood-prone areas.
- ✅ Consumables Cover
What it does:
Covers the cost of consumables like nuts, bolts, engine oil, and brake fluid used during repairs.
Why it’s useful:
Consumables are typically not covered in regular claims, but they can be expensive. This add-on makes your claim more complete and out-of-pocket expense minimal.
- ✅ Key Replacement Cover
What it does:
Covers the cost of replacing lost or stolen bike keys and locks.
Why it’s useful:
Modern bikes often have expensive lock systems. This cover ensures quick and cost-free replacement in case of key loss or theft.
? How to Choose the Right Add-Ons
Not all riders need every add-on. The right mix depends on:
✅ Age of the Bike
- Newer bikes: Go for Zero Depreciation and Return to Invoice
- Older bikes: Consider RSA and Engine Protection
✅ Usage Pattern
- Daily commuters: Roadside Assistance, Engine Protection
- Occasional riders: NCB Protection
✅ Location
- Urban or high-traffic areas: Key Replacement, RSA
- Flood-prone or hilly areas: Engine Protection, RSA
✅ Budget
Add-ons come at an extra cost, but they are highly cost-effective. Evaluate what gives the best return in risk coverage for your premium.
? How to Customize SBI General Bike Insurance via Quickinsure
Buying a tailored SBI General bike insurance plan through Quickinsure is quick, transparent, and paperless. Here’s how:
? Step-by-Step Guide:
- Visit: Quickinsure SBI General Two-Wheeler Page
- Enter Vehicle Details: Registration number or manually input bike info
- Get Instant Quotes: Compare SBI General’s plans with other insurers
- Choose Add-Ons: Select your desired add-ons from the list displayed
- Proceed to Buy: Pay securely online
- Receive Policy: Instant digital delivery via email and WhatsApp
You can also contact Quickinsure support via call or chat for personalized advice.
? Real-World Example
Case Study:
Ravi owns a 2-year-old Yamaha bike in Mumbai. During heavy rains, his engine suffered water damage. Thankfully, he had Engine Protection and RSA add-ons with his SBI General plan purchased via Quickinsure.
- Total garage bill: ₹14,000
- Out-of-pocket payment: ₹0
- Time saved: Instant RSA pickup and claim approval within 72 hours
Without these add-ons, Ravi would’ve had to pay most of the amount himself.
? Benefits of Buying via Quickinsure
Here’s why Quickinsure is the preferred choice for 2-wheeler owners across India:
- ? Instant Quotes & Comparisons
- ? 100% Digital Policy Issuance
- ? Live Support for Queries or Claims
- ? Add-Ons Easily Customizable in Checkout Flow
- ? No Paperwork, No Delays
- ? Secure Payments & Instant Documentation
Whether you’re buying new insurance or renewing, Quickinsure ensures a smooth, personalized experience.
? Final Thoughts
Your bike is more than a vehicle, it’s an investment. While a standard insurance policy offers basic protection, the right add-ons can make a major difference during critical situations.
SBI General Two-Wheeler Insurance, combined with smart add-ons like Zero Depreciation, NCB Protection, and RSA, gives you complete financial security. And when you buy via Quickinsure, you get a seamless process, real-time comparisons, and instant policy issuance—so you can hit the road stress-free.
