Hence, with the purchase of your bike, you must purchase a two wheeler insurance policy for your bike as well. Before buying the policy, you must check the bike insurance coverage and check if it is adequate. A critical addition to your policy is the mandatory Personal Accident Cover. When you buy an insurance plan, including this cover in your plan is a legal compulsion. It will provide your beneficiaries with the sum assured in the event you pass away because of an accident. This addition to your plan will also provide compensation for partial or complete disability. To claim under this cover, you must follow the steps listed above.