Bike insurance, also known as motorcycle insurance, is a type of insurance coverage designed to provide financial protection in case of various events related to your motorcycle. Here's a general overview of what is typically covered and not covered by a standard bike insurance policy:

### What's Covered:

1. **Third-Party Liability:**
  - Covers bodily injury and property damage caused to third parties in an accident where you are at fault.

2. **Own Damage:**
  - Covers damage to your motorcycle caused by accidents, collisions, theft, vandalism, fire, natural disasters, or other specified perils.

3. **Personal Accident Cover:**
  - Provides coverage for bodily injuries or death sustained by the policyholder while riding the insured motorcycle.

4. **Accessories Coverage:**
  - Covers damage to or theft of additional accessories or modifications added to the motorcycle (if declared and covered).

5. **Legal Expenses:**
  - Covers legal costs in case of a dispute related to the insured motorcycle.

6. **No Claim Bonus (NCB):**
  - Offers a discount on the premium for each claim-free year, encouraging safe riding behavior.

7. **Coverage for Pillion Rider:**
  - Some policies may include coverage for injuries sustained by the pillion rider.

### What's Typically Not Covered:

1. **Wear and Tear:**
  - General wear and tear of the motorcycle are usually not covered.

2. **Consequential Loss:**
  - Damage that occurs as a consequence of the primary loss may not be covered.

3. **Illegal Activities:**
  - Damage or loss resulting from illegal activities or riding without a valid license is typically not covered.

4. **Regular Mechanical Failures:**
  - Mechanical failures due to lack of maintenance or regular wear and tear are generally not covered.

5. **Racing or Stunt Riding:**
  - Accidents that occur during racing, stunts, or other high-risk activities may not be covered.

6. **Driving Under the Influence:**
  - Accidents that occur while the rider is under the influence of alcohol or drugs are usually excluded.

7. **Non-Disclosed Modifications:**
  - If you fail to disclose modifications or changes to the motorcycle, coverage for those modifications may be denied.

8. **Gradual Deterioration:**
  - Damage that occurs gradually over time, such as rust or corrosion, may not be covered.

It's important to carefully read and understand the terms and conditions of your specific insurance policy as coverage details can vary among different insurance providers and policies. Additionally, consider optional add-ons or riders that may be available to customize your coverage based on your needs. Always consult with your insurance provider for specific details about your policy and coverage.

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