Add-Ons to Consider While Buying Insurance for Honda Unicorn Bike

The Honda Unicorn is a well-loved motorcycle in India, known for its reliable performance, comfortable ride, and fuel efficiency. As a proud owner of a Honda Unicorn, you want to make sure your bike is well-protected. While basic insurance is essential, add-ons can significantly enhance your coverage and give you peace of mind on the road. But which add-ons should you consider?

In this blog post, we’ll walk you through the must-have add-ons to consider while buying insurance for your Honda Unicorn.

What Are Add-Ons in Bike Insurance?

Add-ons are extra coverage options you can include in your bike insurance policy by paying a little extra premium. These add-ons provide protection beyond what a basic bike insurance policy covers, offering you more security and fewer out-of-pocket expenses when unexpected situations arise.

Essential Add-Ons to Consider for Honda Unicorn Insurance

When buying insurance for Honda Unicorn, consider these important add-ons to ensure that you’re covered for various scenarios:

1. Zero Depreciation Cover

One of the most popular add-ons for bike insurance is the Zero Depreciation Cover. In a standard bike insurance policy, the insurance company deducts depreciation costs for your bike parts before settling a claim, which means you don’t get the full amount for repairs. With this add-on, you’ll receive the full claim amount without any deductions for depreciation. This is especially beneficial for Honda Unicorn owners as it ensures maximum claim reimbursement in case of an accident or damage.

2. Engine Protection Cover

Honda Unicorn’s engine is one of its key features, so it’s crucial to keep it protected. The Engine Protection Cover shields you from costly repairs that result from engine damage due to reasons like water ingression (common during the monsoon) or oil leakage. Since engine repairs can be quite expensive, this add-on ensures that your engine stays protected without draining your wallet.

3. Roadside Assistance Cover

Imagine your Honda Unicorn breaking down in the middle of the road, far from any service station. This is where the Roadside Assistance Cover comes in handy. With this add-on, you can access services like towing, on-the-spot repair, fuel delivery, and even help in case of a flat tire. It’s a lifesaver for long-distance riders and ensures that you’re never stranded.

4. Personal Accident Cover

While your Honda Unicorn is insured, it’s equally important to insure yourself. Personal Accident Cover provides financial protection in case of injuries, disability, or even death resulting from an accident. This cover is crucial for safeguarding your financial future, especially when considering the unpredictable nature of road accidents.

5. Return to Invoice Cover

If your Honda Unicorn gets stolen or is damaged beyond repair, the Return to Invoice Cover ensures that you’re reimbursed the full invoice value of your bike, including the registration and road tax costs. This add-on is valuable for those who’ve recently purchased their bike, as it offers protection against the total loss of your vehicle.

6. Consumable Cover

During bike repairs, you often end up paying for consumables like engine oil, nuts, bolts, and other small parts. These costs may seem minor, but they can add up over time. The Consumable Cover ensures that you don’t have to pay for these items out of pocket, which can make repairs more affordable for your Honda Unicorn.

Additional Add-Ons Worth Considering

Apart from the essential add-ons, here are a few more you might want to explore:

1. Tyre Protection Cover

Tyres are prone to damage from punctures or bursts, especially on bad roads. The Tyre Protection Cover provides coverage for repairs or replacement of damaged tyres, ensuring that you’re not burdened with unexpected expenses.

2. No-Claim Bonus (NCB) Protection

The No-Claim Bonus (NCB) Protection add-on allows you to retain your NCB discount even if you make a claim during the policy year. This is a smart option for maintaining low premiums in the long run, especially if you’ve been a careful rider.

3. Key Loss Cover

If you ever lose your bike keys, the Key Loss Cover ensures that the cost of replacing or repairing the keys is covered. It’s a small but helpful add-on, particularly in case of theft or accidental loss of your Honda Unicorn keys.

How to Choose the Right Add-Ons for Honda Unicorn Insurance

Choosing the right two wheeler insurance add-ons depends on your personal needs, riding habits, and budget. Here are a few tips to help you make the right decision:

• Assess your usage: If you use your Honda Unicorn for long-distance rides, consider add-ons like Roadside Assistance and Engine Protection.
• Budget considerations: While add-ons offer valuable coverage, they also increase the premium. Make sure to choose the ones that align with your priorities without stretching your budget.
• Compare policies: Different insurers offer varying add-ons and pricing. Make sure to compare policies from multiple insurers to get the best combination of add-ons and base coverage.

Final Thoughts

When buying insurance for your Honda Unicorn, it’s important to go beyond the basic policy and consider the add-ons that offer enhanced protection. Add-ons like Zero Depreciation Cover, Engine Protection Cover, and Roadside Assistance can provide financial relief in difficult situations and ensure that your bike remains in top condition. Take the time to assess your needs and choose the add-ons that suit your lifestyle for maximum peace of mind on the road.

FAQs on Honda Unicorn Bike Insurance

What is the best add-on cover for Honda Unicorn?

The best add-on depends on your needs, but Zero Depreciation and Engine Protection are highly recommended for Honda Unicorn owners.

Can I add zero depreciation cover to my existing bike insurance policy?

Yes, you can add Zero Depreciation Cover to your existing policy at the time of renewal, depending on the insurer’s terms.

Do add-ons increase my bike insurance premium significantly?

Add-ons do increase your premium slightly, but the enhanced coverage they provide makes them worth the investment.

Is roadside assistance really necessary for Honda Unicorn riders?

Roadside Assistance is highly useful for long-distance or daily commuters, offering peace of mind in case of breakdowns or emergencies.

How does the personal accident cover work in bike insurance?

Personal Accident Cover provides financial compensation for injuries, disability, or death resulting from an accident, protecting you and your family financially.