Find the best two wheeler insurance plans
Bike insurance offers financial protection to vehicle owners against expenses from accidents, fire, theft, natural disasters, and third-party damages. This policy covers repair costs, legal liabilities, and losses, keeping owners/drivers secure and compliant with Indian laws.
Third-Party Bike Insurance- Comprehensive Two Wheeler Insurance
- Standalone Own Damage
Find the Best Bike Insurance Plan
Two Wheeler Insurance Made Simple
Bike insurance provides financial assistance to you and your vehicle in the event of accidents, damages, theft, and liabilities. The appropriate policy—third-party or comprehensive—guarantees peace of mind, security, and secure driving
Types of Bike Insurance
There are three main types: coverage for third-party liabilities, coverage for own vehicle damages, or a combination of both for comprehensive protection.
Third Party Bike Insurance
Mandatory as per the Motor Vehicle Act of 1988, it covers injuries, deaths, or property damage to others, but excludes your own vehicle
Comprehensive Bike Insurance
Offers extensive protection that includes third-party liabilities and covers vehicle damages from accidents, theft, fire, or natural disasters.
Standalone Own Damage (OD) Insurance
New vehicle policies offer 1 year of own damage coverage and 5 years of third-party coverage, with 4 additional years for OD renewal.
Benefits of Bike Insurance
Explore key advantages of having comprehensive bike insurance policy coverage.
- Third party Legal Protection:
Bike insurance not only makes you conform to Indian motor vehicle act but also protects you from legal troubles, monetary fines, and surprise expenses pertaining to third-party damages—offering legal safeguard and peace of mind while on the road.
- Comprehensive Coverage:
Comprehensive insurance covers both third-party liabilities and damage to your own vehicle, giving you peace of mind against accidents, theft, natural calamities, and other unexpected events.Certain add-on covers provide full coverage without applying depreciation.
- Convenient Repairs:
Relish trouble-free and affordable vehicle repairs with comprehensive insurance, providing cashless facility at approved network garages and fast reimbursements for repairs at non-network garages—promising convenience, speed, and peace of mind whenever your bike requires accident repairs and replacement.
- Affordable and Easy:
Purchasing or renewing two wheeler insurance online is fast, easy, and budget-friendly. With simple comparison tools, immediate quotes, and special discounts for online buyers, it's a savvy, time-efficient solution that enables auto owners to obtain the best coverage at the best price.
Popular Add-On Covers
Below are the top add-on covers for your bike insurance policy, designed to protect your dream bike.
Zero Depreciation Cover
Claim the full repair or replacement amount without deductions for depreciation.
Consumables Cover
Covers expenses for consumables like engine oil, brake fluid, nuts, and bolts etc during repairs..
Return to Invoice
Receive the full original invoice price, road tax, insurance, registration fees based on policy terms of your vehicle if it is declared as total loss by the insurer or stolen.
Engine and Gear Box Protection
It covers losses caused by waterlogging due to flood, oil leaks due to accidents causing damage to engine components.
Roadside Assistance
Get immediate roadside assistance during breakdowns, flat tires, or battery issues, ensuring safety, convenience, and peace of mind anytime, anywhere.
Battery Cover
Covers the cost of repair or replacement of battery due to accidents such as fire, theft, short circuit etc.
Simple & Quick Claim Process
Offering a fast, transparent, and convenient two-wheeler and bike insurance claim process in four easy steps:
Cashless Claim
Inform your insurer
Contact us immediately after an incident.
Survey
The surveyor inspects your vehicle at the network garage
Fill the claim form
Submit the claim form and documents at the network garage
Approval Wait
The insurance company settles the bill directly with the garage.
Reimbursement Claim
Register the claim
Contact us immediately after an incident.
Survey
The surveyor inspects your vehicle at the garage.
Fill the claim form
Submit the claim form with supporting documents, surveyor assesses finally.
Approval Wait
After approval, you pay upfront and get reimbursement within 7 days.
Frequently Asked Questions
Is two-wheeler insurance mandatory in India?
Yes. As per the Motor Vehicles Act 1988, Third-Party Liability bike insurance is compulsory. Driving without valid coverage is a legal offence.
What does “Own Damage” bike insurance cover?
Own Damage insurance protects your vehicle against accidents, fire, theft, natural disasters, and vandalism. However, the basic own damage policy will not cover 100% of your claim amount. Opt for add-on covers to get full claims settled.
How is a two wheeler insurance premium calculated for a registered vehicle?
Premium is based on Insured Declared Value (IDV), vehicle age, engine capacity (cc), location (urban or rural), selected add-ons and past claims.
What is No Claim Bonus (NCB) and is it transferable?
Yes. If you don’t file any claims during a policy year, you earn a renewal discount (20% to 50%).
NCB belongs to the owner and not the vehicle. So if vehicle is sold and name transfer is done NCB of the new owner will become zero
How much no claim bonus will I get?
- After 1 claim free year - 20%
- After 2 claim free year - 25%
- After 3 claim free year - 35%
- After 4 claim free years - 45%
- After 5 claim free year - 50%
What will happen to no claim bonus if I change insurance company?
NCB will be carry forwarded
My policy has expired. What will happen to my NCB?
To avail NCB benefit, you should renew within 90 days from the date of policy expiry
What are popular two wheeler insurance add-ons in India?
- Zero Depreciation cover
- Return-to-Invoice benefit
- Roadside Assistance service
- Engine Protection rider
- Consumables cover for parts
- Battery and charger cover
How to file a two wheeler insurance claim in India? Cashless Claim:
- Contact us immediately after an incident.
- The surveyor inspects your vehicle at the network garage.
- Submit the claim form and documents at the network garage.
- The insurance company settles the bill directly with the garage
Will I lose my No Claim Bonus if I raise a claim?
Yes. Filing a claim typically resets your NCB to Zero
