Two-Wheeler Insurance

Third party insurance for 5 years is mandatory
Coverage against loss or theft of two wheeler
Network garages help provide cashless claims
Option of add-on or additional coverage

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About Bike Insurance

Two Wheeler Insurance or Bike Insurance is a plan that protects the owner of a bike from any possible damages in case of an accident, theft or natural disaster. Currently, a third-party 2 wheeler insurance policy is mandatory under the Motor Vehicle Act 1988.

It is advisable to buy bike insurance policy as it will help you to cover any unforeseen expenses arising out of the damage caused to your two wheeler due to accidents, natural calamities or third party accidents or liabilities.

Why Do You Need Two Wheeler Insurance in India?

Physical Damage to Your Bike

Protection from Repair expenses for your bike resulting from an accident.

Liability Towards Third-Party

Protection from Legal Liability arising from death or disability of third-party due to an accident with your bike.

Liability Towards Property

Protection from Third-party Property Liability arising from damage or destruction of property due to an accident with your bike.

Personal Accident Cover

Not just your vehicle, the third-party and third-party property you are also protected. You get an accident cover of Rs. 15 lakh.

Mandatory by Law

Protection from Steep Traffic Fines and a Free 3 Month Trip to Jail. It helps you comply with the Motor Vehicles Act, 1988

Complete Peace of Mind

Now no more worries while enjoying those long road trips. You are completely safe and secure from financial losses.

What are the Benefits of Two-Wheeler Insurance?

Mental Peace

Accidents can lead to huge repair charges. Your insurance takes care of the unwanted expenses.

All Vehicle Types

It protects against the damages caused to the motorcycle, scooter, moped and other vehicles.

Replacement Cost

Insurance policy covers the cost of spare parts, including bolts, nuts, gear & other parts.

Financial Security

Even small damages can cost thousands of rupees. A two wheeler insurance plan gets the damage repaired without spending much from your pocket.

Personal Accident Cover

It covers expenses towards any injuries along with damages caused to your vehicle in an accident.

Roadside Assistance

An add-on that will come to your aid in case you need assistance on the road. This includes services such as minor repairs, towing, tyre changing, etc.

What is Covered Under Two Wheeler Insurance Policy?

Cover from Natural Calamities

Be it Flood, Earthquake, Cyclone, Hurricane, Lightning, Storm, Landslide or anything else.

Man Made Calamities

Be it Theft, Burglary, Riots, Malicious acts or anything else.

Own Damage Cover

Damage or loss to Electrical and Non-Electrical Components and Accessories

Personal Accident Cover

Get Cashless Service at more than 10,000+ Network Garages for a worry free repair

Third Party Liability

Provides cover against any legal loss of money due to injuries to a third party which may have even led to his demise.

Fire & Explosion

It covers losses or damage caused due to self-ignition, fire, or an explosion.

What is Not Covered Under Two Wheeler Insurance Policy?

Here is a list of exclusions under a two-wheeler insurance plan:

Loss from mechanical/electrical breakdowns.
Any damage to the tyres and tubes in the normal course of running.
Damage caused due to normal wear and tear of the vehicle.
Any loss occurred while the bike was being used beyond the scope of coverage. Read More About: Used Bike Insurance
Any consequential loss from regular use.
Any damage caused due to the driver who is driving under the influence of drugs or alcohol.
Any loss incurred due to war or mutiny or nuclear risk.
Loss/damage incurred when the bike was being driven by a person without a valid driving license.