Quickinsure Explains: The Best Add-Ons for Royal Sundaram Two-Wheeler Insurance
When it comes to protecting your two-wheeler, a basic insurance policy is just the starting point. While Royal Sundaram’s standard two-wheeler insurance covers third-party liability and own-damage risks, it may not be enough to safeguard you from every financial burden. That’s where add-ons come in—optional covers you can include to enhance your policy and get maximum value.
At Quickinsure, we understand how important it is for bike owners to make informed choices. This article dives deep into the best Royal Sundaram two-wheeler insurance add-ons, their features, and why they are worth every penny.
Why Add-Ons Matter in Bike Insurance
Extra Protection: Standard policies don’t cover everything. Add-ons fill the gaps and give wider coverage.
Financial Security: Repairs, consumables, and emergencies can be costly—add-ons help reduce out-of-pocket expenses.
Peace of Mind: Features like roadside assistance or return-to-invoice keep you stress-free during accidents or breakdowns.
Flexibility: You can customize your plan as per your needs and budget.
Top Add-Ons in Royal Sundaram Two-Wheeler Insurance
Here’s a detailed look at the most popular and beneficial add-ons:
1. Zero Depreciation Cover
Also called “Bumper-to-Bumper Cover,” this is one of the most demanded add-ons.
How it works: Normally, when you raise a claim, depreciation is deducted from the claim amount. With Zero Depreciation, you get the full claim without such deductions.
Benefits:
* 100% coverage for plastic, rubber, metal, and fiber parts.
* Higher claim settlement amount.
* Especially useful for new or expensive bikes.
✅ Quickinsure Advice: If your bike is less than 5 years old, this add-on ensures you don’t lose money due to depreciation.
2. Return-to-Invoice (RTI) Cover
This add-on is a lifesaver during total loss or theft.
How it works: Instead of the depreciated Insured Declared Value (IDV), you get back the original invoice value of the bike, including registration and road tax.
Benefits:
* Complete protection in case of theft or total damage.
* Helps recover your exact investment in the bike.
* Peace of mind for owners of high-value or new bikes.
✅ Quickinsure Advice: Go for this add-on if you have a new or premium motorcycle.
3. Roadside Assistance (RSA)
Breakdowns don’t come with a warning, and that’s why RSA is a must.
Coverage includes:
* 24x7 towing facility.
* Flat tyre replacement.
* Battery jump-start.
* Fuel delivery in case of an empty tank.
* Minor on-spot repairs
Benefits:
* Immediate help anywhere, anytime.
* Reduces stress during long rides or highway breakdowns.
* Saves towing and repair costs.
✅ Quickinsure Advice: Essential for daily riders and long-distance travelers.
4. NCB (No-Claim Bonus) Protection
Your NCB is a reward for claim-free years, offering up to 50% discount on premiums. But one claim can wipe it out—unless you have this add-on.
How it works: Even after making a claim, your NCB discount remains intact.
Benefits:
* Long-term premium savings.
* Extra value for safe drivers.
* Ideal for those with a good driving record.
✅ Quickinsure Advice: If you don’t claim often, this add-on helps you keep your bonus safe.
5. Engine Protection Cover
Standard insurance doesn’t cover engine damage caused by oil leakage, water ingress, or mechanical issues.
Benefits:
* Covers engine repair/replacement costs.
* Helpful during monsoons when water damage is common.
* Protects the most expensive part of your bike.
✅ Quickinsure Advice: A must-have if you live in flood-prone areas or ride often in tough conditions.
6. Consumables Cover
Repairs often involve small parts like nuts, bolts, screws, grease, brake oil, and lubricants, which aren’t covered in a standard policy.
Benefits:
* Covers the cost of all consumables during accidental repairs.
* Saves repeated small expenses.
* Ensures hassle-free claim settlement.
✅ Quickinsure Advice: This low-cost add-on can save you thousands in minor repair bills.
7. Key Replacement Cover
Losing or damaging your bike keys can be a headache. This add-on covers replacement costs.
Benefits:
* Covers lost, stolen, or broken keys.
* Provides locksmith services if needed.
* Saves unexpected expenses.
✅ Quickinsure Advice: Highly recommended for smart-key and high-tech bike owners.
How to Choose the Right Add-Ons
Every rider has unique needs. Here’s a simple guide to help:
For new or expensive bikes: Zero Depreciation + RTI + Engine Protection.
For daily commuters: RSA + NCB Protection + Consumables.
For long-distance riders: RSA + Engine Protection + Key Replacement.
For budget-conscious owners: Pick add-ons that cover frequent issues like RSA and Consumables.
Benefits of Buying Royal Sundaram Add-Ons with Quickinsure
Easy Comparison: Quickinsure lets you compare multiple add-ons before you decide.
Best Premiums: Get the lowest possible premium with attractive discounts.
Hassle-Free Claims: Our support team ensures smooth claim settlement.
Expert Guidance: Personalized advice to select only the add-ons you truly need.
FAQs on Royal Sundaram Two-Wheeler Insurance Add-Ons
Q1. Can I buy add-ons anytime?
? No, add-ons can only be purchased while buying or renewing your policy.
Q2. Do add-ons increase the premium?
? Yes, but the extra cost is minimal compared to the financial benefits.
Q3. Which add-on is the most popular?
? Zero Depreciation and RSA are among the most commonly purchased add-ons.
Q4. Is NCB Protection worth it?
? Yes, especially if you have accumulated a high NCB percentage.
Q5. Can I buy multiple add-ons?
? Absolutely. You can combine different add-ons to build a customized policy.
Conclusion
Royal Sundaram two-wheeler insurance becomes truly powerful when you add the right add-on covers. From Zero Depreciation and RSA to Engine Protection and NCB Protection, these small investments can save you from massive repair bills and unexpected troubles.
At Quickinsure, we make it simple for you to explore, compare, and choose the best add-ons that fit your lifestyle and riding habits. Protect your bike smarter—because the right add-on today can save you big tomorrow.
