Motorcycles are more than just a mode of transport; they are the heart of transportation, helping millions every day - to commute to work, run errands, or deliver goods. They are preferred by city commuters weaving through traffic and rural folks travelling long hours for work - in short, motorcycles play a significant role in keeping the economy moving.
If you are a motorcycle owner with an insurance policy that is soon due for renewal or otherwise, here are a few add-ons you must consider in 2026. Doing so will protect your bike, your finances, and your peace of mind.
It has been observed that motorcycle owners often renew their policies without reviewing the add-ons, thereby missing out on valuable protection. In 2026, we are working to change that attitude and help motorcycle owners understand that add-ons are not just optional coverage but smart investments essential to tackling the country’s heavy traffic and unpredictable weather.
Before investing in an add-on, it is essential to understand your current policy and coverage requirements. Let's start with the basics of motorcycle insurance, then move on to the add-ons that matter in 2026.
Motorcycle insurance for Filipino riders
Much like car insurance, motorcycle insurance in the Philippines is mandatory, regulated by the Insurance Commission, and is required for motor vehicle registration with the LTO. Furthermore, not all policies are the same in terms of coverage and cost.
Mandatory coverage vs. comprehensive coverage
Compulsory Third Party Liability (CTPL) insurance is required by law. Every motor vehicle owner, whether a car or a bike, new or used, needs to obtain a CTPL policy. It covers you against third-party injuries or death in case of an accident.
It is essential to note that CTPL insurance does not provide coverage for damage to your motorcycle, theft, natural disasters, or medical expenses. To fill this gap, you need comprehensive coverage and add-ons.
In short, while CTPL insurance is affordable but limited, comprehensive insurance combined with add-ons offers better financial protection.
Did you know? Most riders even today assume that CTPL insurance is enough - until an accident or any other unfortunate event happens.
Also Read: Why motorcycle riders need both CTPL & comprehensive coverage
Motorcycle insurance add-ons: Understanding the basics
Motorcycle insurance add-ons are optional coverage that you can attach to your base policy. They provide additional protection for specific risks not covered by standard policies.
How do add-ons enhance your protection cover?
Add-ons reduce out-of-pocket expenses and financial stress after accidents. They offer coverage against -
- Medical costs
- Natural disasters
- Theft
- Emergency services
Why motorcycle insurance add-ons matter in 2026
Photo from FreepikThe riding environment in the Philippines is changing fast, making coverage essential. Here are two such situations that make add-ons a must -
Rising risk on roads & urban traffic
With more vehicles on the road, accidents are becoming more common. It doesn’t matter how carefully you ride; you can be a victim of someone else's mistake.
Increase in motorcycle theft
According to statistics, motorcycle theft remains a significant issue, especially in urban areas. Without proper coverage, you may lose your substantial investment overnight.
Essential motorcycle insurance add-on riders should consider
If you are about to get a new motorcycle insurance policy or renew your existing one, here is a list of add-ons to consider.
|
Add-ons |
Protection offered |
|
Acts of Nature |
Natural disasters such as floods, typhoons, earthquakes, and volcanic eruptions are common in the Philippines due to the country’s location. This coverage covers the damages caused by these disasters. Without this coverage, the expensive repairs will fall on your shoulders. |
|
Personal Accident |
This add-on coverage provides financial assistance to the rider if they are injured, become disabled, or die in an accident. This coverage will help you cover hospital bills and support your family during tough times and emergencies. |
|
Roadside Assistance |
Breakdown can happen anytime, anywhere, to any vehicle - be it new or old, expensive or affordable. In such difficult times, this coverage provides support through services such as towing, flat tyre assistance, fuel delivery, and battery jump-starts. This add-on is helpful for both daily commuters to the city and long-distance riders. |
|
Theft |
Motorcycle theft is common in many cities across the country. This add-on offers compensation in case your motorcycle is stolen and/or not recovered. For urban riders, it is considered an essential add-on. |
|
Passenger Liability |
If you often ride with a pillion rider, this add-on is quite essential. It covers injuries sustained by passengers during an accident. This add-on is ideal for families, delivery, and motorcycle taxi riders. |
|
Medical Reimbursement (for rider) |
After an accident or collision, medical and hospital bills can pile up quickly. This add-on will help you cover all such costs. |
|
Loss of Use |
If your motorcycle is at the service centre for repairs following an accident, this coverage will reimburse up to a few hundred pesos per day for transportation expenses for up to a few days. |
|
Accessories & Modification coverage |
Sometimes, young and enthusiastic Filipino riders customise their motorcycle with aftermarket parts and other modifications. If these accessories or modifications are damaged in an accident, your standard policy will not cover their repair. Only a dedicated add-on will help you cover such repairs. |
Other coverage to consider -
- Riot, Strikes, and Civil Commotion: This add-on offers protection against your motorcycle repair costs due to strikes, riots, or civil commotion.
- R2V (Return To Value)/GAP insurance: In case of a Total Loss due to an accident, this add-on pays the difference between your motorcycle's original invoice value and its value at the time of loss.
- Accidental Death & Disablement (for the rider): This add-on provides a lump-sum cash benefit to the policyholder upon death or disablement.
- Burial Benefits: This coverage pays for the insured's actual funeral and burial expenses up to the policy's maximum limit.
Also Read: How to choose the best motorcycle insurance in the Philippines
Practical tips to choose the right add-ons for your motorcycle
Photo from istockDaily commuters: If you commute daily to work or otherwise on your bike, you should prioritise add-ons that provide theft, medical, and roadside assistance coverage.
Long-distance riders: If you travel miles on your bike, then it is recommended that you opt for acts of nature and personal accident coverage.
Pro tip: Add-ons can increase your insurance premium, but they can help you save thousands of pesos later. An optimal policy aligns with your budget and risk tolerance.
Also Read: 6 Essential documents you need when filing a motorcycle insurance claim in the Philippines
Cost of motorcycle insurance add-ons
Average add-on cost
Add-on prices vary by provider, but compared with the repair and hospital costs you’ll incur after an accident, they are generally affordable. Most add-ons cost only a small percentage of the base premium.
Are add-ons worth the price?
Yes, totally. One accident or flood can cost you more than the combined value of years of add-on premiums. So, go for it.
Also Read: 10 Powerful tips for faster motorcycle insurance claim approval in the Philippines
Common mistakes Filipino riders make when choosing/renewing insurance
- Not reviewing your policy/coverage before renewing.
- Going for the cheapest policy without considering the coverage and other factors.
- Ignoring add-ons due to a lack of awareness.
- Not declaring accessories or modifications to the provider.
Avoid these mistakes and give yourself the gift of financial security, protection, and peace of mind.
Also Read: How to choose the best motorcycle insurance in the Philippines
Bottom line
Before you proceed with the process of renewing your motorcycle insurance, hold on and read this blog thoroughly. It is essential to review your current policy and adjust your coverage to better fit your driving habits and needs. Motorcycle insurance add-ons are one way to ensure financial security, better prepare for emergencies, and feel confident on the road.
Remember, a smarter renewal today means a safer tomorrow.
Also Read: Why motorcycle riders need both CTPL & comprehensive coverage
FAQ
Q1. Do standard motorcycle insurance policies cover accessories?
Ans. No. Accessories are not included in the standard insurance policy. Make sure to inform your insurer and opt for specific coverage.
Q2. Why is Acts of God coverage highly recommended by providers?
Ans. Providers strongly recommend Acts of God coverage because flooding and typhoons are common and can cause significant vehicle damage.
Q3. Are motorcycle insurance add-ons mandatory?
Ans. No, add-ons are optional; they provide extra protection at an additional cost.
Q4. Can I add coverage to my existing policy?
Ans. Yes, usually insurers allow mid-term add-ons.
Q5. Does personal accident coverage include hospitalisation costs?
Ans. Yes, most personal accident coverage plans include hospitalisation and disability benefits.
Q6. How much does theft coverage usually cost in the Philippines?
Ans. The cost depends on the motorcycle's value and is generally lower than the cost of replacing a vehicle.
Q7. Is roadside assistance available nationwide?
Ans. It depends on the provider; most offer nationwide coverage.
Q8. Can delivery riders opt for add-ons?
Ans. Absolutely, providers offer add-ons to delivery riders. The most recommended ones are passenger liability and personal accident coverage.
Q9. How do I know which add-on I really need?
Ans. You can analyse the requirement by assessing your riding habits, location, and budget.
Also Read: How to get Motorcycle Insurance in the Philippines: A step-by-step guide
