Not all bikers ride the same way. Some take it slow, while others love to push their limits. Some enjoy exploring unknown terrains, while some are just starting their biking journey. No matter the riding style, having the right two-wheeler insurance coverage is crucial for financial security and peace of mind.
The slow rider
Slow riders believe in safe and steady biking. They strictly follow traffic rules, maintain moderate speeds, and wear protective gear. They are the kind of riders who wait patiently at red lights, avoid reckless overtaking and prefer taking familiar routes. Their focus is on minimising risks rather than rushing through traffic.
While slow riders are less prone to high-speed crashes, they are still vulnerable to minor accidents, road mishaps and unforeseen breakdowns. These types of riders in insurance can help slow riders:
- Zero depreciation: Ensures that in case of an accident, the insurance company covers the full cost of repairs without factoring in depreciation.
- Roadside assistance: Offers immediate help in case of a flat tyre, battery failure or other breakdowns.
- Personal accident cover: Provides financial support in case of accidental injuries to the rider.
The traveller / adventure rider
Adventure riders are not just bikers, but explorers. They love riding through mountains, deserts and highways. These riders often travel in groups, participate in road trips and love to take their bikes to remote destinations.
Adventure riders put their bikes through rough terrains, unpredictable weather and long hours of riding. Their insurance should cover extensive wear and tear, unexpected damages and emergency assistance. The types of riders that these riders can opt for are:
- Roadside assistance: Essential for long trips, this rider provides towing and repair services in case of breakdowns in remote areas.
- Tyre Protection: Protects against punctures, cuts and damages as they are common during off-road and long-distance rides.
The fast rider
Fast riders love the thrill of speed. They zip through traffic, take sharp turns and push their bikes to the limit. They are passionate about performance. Hence, they modify their bikes for better acceleration and handling. However, their high-speed riding style increases the risk of accidents and bike damage.
These types of bikers can opt for two-wheeler insurance riders that provide extensive protection against accidental damage, engine breakdowns and repair costs such as:
- Engine protect: Covers engine damage caused by sudden acceleration, overheating or water ingress during monsoons.
- Accidental damage: Provides financial protection in case of accidents, covering repair expenses.
The new rider
New riders are just beginning their journey on two wheels. They are still mastering balance, learning road rules and building confidence in handling their bikes. Because of their inexperience, they are more likely to face minor accidents, scratches and damages while riding.
For a new rider, two-wheeler insurance riders should focus on affordability, accident protection and coverage for minor damages that may occur as they learn. These include:
- Zero depreciation: Ensures that the insurance covers the full cost of bike repairs without factoring in depreciation. This is crucial for a new bike.
- Personal accident: Provides financial assistance in case of injuries while riding.
Conclusion
Irrespective of the biker you are, having the right insurance coverage is crucial for a worry-free ride. The right types of riders can protect you from financial losses in case of accidents, theft or breakdowns.
So, whether you’re a slow rider, a fast rider, an adventure enthusiast or a beginner, make sure to pick the insurance rider types from different riders to keep your ride secure and stress-free.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. 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.