Crash guards are one of the most common accessories added to bikes in India. They protect the rider’s legs and the bike’s body in case of a fall. However, here is the catch: standard two-wheeler insurance does not usually include crash guards. Knowing the accessories excluded from your plan’s coverage will help you safeguard your bike better.
Let’s explore why a crash guard is not covered in bike insurance, and also the other excluded accessories.
What are crash guards?
Crash guards, also known as leg guards, are solid metal bars fixed to the bike’s frame near the engine. Their purpose is to take the first hit when a two-wheeler topples and protect parts like the fuel tank and footpegs. They also reduce the risk of injury to the rider’s legs.
Many riders install crash guards right after bike purchase. Heavy-duty versions are preferred for highways, and lighter and compact guards for city rides.
Why bike insurance excludes crash guards?
Insurers usually don’t see bike crash guards as standard fittings. These are classified as accessories and excluded from default cover as they are added later after the bike purchase. Their wide variation in size, quality and price also makes it difficult for insurers to fix a standard value. On top of that, assessing whether a guard was damaged during an accident or earlier can be tricky. Crash guards also don’t always protect against major losses, even though they are useful in minor mishaps. For these reasons, insurance tends to focus on essentials like the engine, frame and electricals. This leaves crash guards outside standard coverage.
What are the other accessories not covered in bike insurance?
Accessories make your bike more comfortable and stylish. However, they do not come under insurance automatically. You need to declare them and opt for an accessory add-on by paying a small extra premium to ensure they are protected.
Accessories that are usually not included in a two-wheeler insurance policy are:
- Custom exhausts and silencers that are popular for performance and sound.
- Modified mirrors or handlebars that are considered stylish upgrades but treated as non-standard.
- Seat covers and cushions that are mostly cosmetic in nature.
- Useful gadgets such as GPS systems and phone mounts.
- Luggage carriers, panniers and saddlebags.
- Cosmetic changes like custom paint jobs or decals.
- Lighting modifications like LED strips or fog lamps that add style and improve visibility.
Tips for bike owners in this situation
Taking a few smart steps can help bike owners cover accessories and avoid unpleasant surprises during insurance claims. You need to:
- Read your policy carefully: Standard cover usually applies only to factory-fitted parts. Accessories are protected only if they are declared and added to the policy.
- Opt for accessory cover: Insurers allow you to declare non-standard fittings like crash guards, alloy wheels or saddlebags for a small additional premium. This ensures they are included in your protection.
- Check the value before deciding: Paying a little extra for coverage can prevent high repair or replacement expenses later if the cost of accessories is significant.
- Talk to your insurer: Policies differ across providers, and confirming available add-ons with your insurer makes sure that you are fully informed.
- Keep records: Bills and photos of accessories act as proof of purchase and make claim settlement easier.
- Prioritise comprehensive bike insurance: Third-party insurance covers only legal liabilities. However, comprehensive insurance protects your bike and, with add-ons, your accessories as well.
Conclusion
Crash guards are useful for safety, and they help reduce damage during minor accidents. However, they are not part of standard two-wheeler insurance since they are treated as aftermarket accessories. However, riders can protect these parts by buying an accessory add-on with their comprehensive bike insurance plan. This way, both your vehicle and the extras you invest in can be covered more effectively.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.