We all want to make sure that our bikes and scooters stay safe and secured from several unforeseen risks and dangers. And, that is why it is important to have the protection offered by a well-designed two wheeler insurance policy that offers comprehensive coverage. One very prominent danger amongst many is the danger of natural disasters. If a natural disaster were to strike, it can cause immense damage to your vehicle along with the surroundings. Let’s take a look at how two wheeler insurance can cover your bike when nature goes awry.
Which natural disasters are covered in two wheeler insurance?
Firstly, it is to be noted that different insurers offer coverage for natural disasters in their own way. Not all insurance companies offer coverage for the exact same number of natural disasters. While some may exclude hailstorms, others may not offer coverage for cyclones. Ideally, the best two wheeler insurance plan would cover these natural disasters-
Since these natural disasters are known to occur in different parts of the country, having them covered in your two wheeler insurance plan will prove helpful.
What should you look for under natural disaster coverage?
What you seek in the coverage for natural disaster in two wheeler insurance mostly depends on your geographical location. Some places are more prone to certain natural disasters. It is not surprising to learn that in Japan, there is an altogether separate category for earthquake insurance.
You may want to look at the history of your residential area and then seek an insurance product that offers the coverage you will require. For instance, Mumbai is a flood-prone area, so a Mumbai resident should opt for a two wheeler insurance plan that covers damages due to floods. If you live in a hilly area, then it is essential to look for landslide/rockslide coverage. If you live in a coastal area, then an insurance plan that covers cyclones would be preferable.
Important tips to keep in mind when raising a claim under natural disaster coverage
- If you can, take photographs of the damages to your bike before the salvaging process begins.
- Contact your insurer about the damage as soon as you can.
- Ensure that the documents regarding the two wheeler insurance and ownership are kept with you safely. It is always good practice to keep digital copies of these documents.
Do bear in mind that the natural disaster coverage is subject to the various exclusions of the insurance for two-wheeler. Insurers may not cover your bike if you had been driving against the given driving guidelines. For instance, if the roads are already flooded and you still decide to ride your bike and your bike suffers damage as a result, the insurance company may not uphold your claim. Do discuss the limitations of coverage before purchasing your plan.
It is always advisable to read the terms and conditions of your two wheeler insurance policy before signing up. Ride safely!
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