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What is a two wheeler insurance policy?

Two-wheeler insurance covers motorcycles, scooters, mopeds, etc. Two-wheeler insurance is compulsory as mandated by law to cover injury or death to third parties. However, it is advised to take comprehensive policy to cover damage to the vehicle also as 2 wheelers are prone to skidding and toppling and are subject to frequent thefts. Comprehensive insurance covers third-party... liability as well as own damage risk to the 2 wheelers. Theft is also included in the Own damage section of insurance cover

What are the different types of two-wheeler insurance policies?

Check the different types of two-wheeler policies that you can avail from us as per your requirements.

Two-Wheeler Insurance Package Policy

1

This policy not only covers damage to your 2-wheeler in case of an accident but also your covers liability towards any third party in case you accidently hit a third party thereby causing him injury or death. This policy offers widest form of cover available and is an absolute must have given the fact that 2 wheelers being inherently unstable vehicles are prone to skidding and toppling and the driver and pillion riders are also more exposed to the risks of falling and self-injury.

Two-wheelerliability only policy

2

Liability only insurance offers the most basic level of coverage that you can purchase for your vehicle. In this policy, third party and his property are covered but the insured or his vehicle is not covered. This policy covers the owner against legal liabilities arising out of an accident in case of third-party injury or death or damage to third party property. This insurance is compulsory as per Indian Motor Vehicle Act.

Stand-alone own damage insurance

3

This insurance covers not only damage to your vehicle in case of an accident but also theft of your vehicle. The damage to the vehicle could be due to natural disasters like earthquake, flood, cyclone, and landslide, or due to manmade events like theft, burglary, riot and strike or in transit.

Get instant bike insurance quotes online for your two-wheeler

Getting the right insurance cover for your two-wheeler is necessary if you want to enjoy your ride in peace. We will get you best quote from our trusted partners so that you can get on with the important things in life!

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What is covered in our two-wheeler insurance policy?

  • Damage or loss to two-wheeler
    Due to Explosion, Fire, Lightning and accident external means.
  • Personal accident cover
    The bike or scooter comes with a ₹15 lakh compulsory personal accident cover for the registered owner-driver when traveling in, getting on or off a two-wheeler. Optional personal accident cover is also available for pillion riders.
  • Natural Calamities
    Included in the cover are the following natural calamities like lightning, hurricane, landslide, typhoon, hailstorm, cyclone.
  • Third party legal liability
    Protection against legal liability due to injuries or death caused to third party.
  • Normal wear and tear of the bike
  • Alcohol influenced driving
  • Vehicles being used otherwise than their mentioned limitations
  • Mechanical breakdown

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Add-on Benefits of our bike insurance plans:

Choose from a wide range of add-ons when buying two-wheeler insurance plan online.

1. Roadside assistance cover

Having bike insurance while biking or scootering will ensure that you stay prepared in case there is an unexpected breakdown or an accident. With roadside assistance, you can get your bike jump-started, towed for battery issues, get tyre patching done, get alternatives like hotel or cab ride if required.

2. Nil depreciation cover

While settling your claim for damages, the insurance company will not deduct depreciation for your two-wheeler's parts. Therefore, you receive a higher amount directly into your account.

Frequently Asked Questions

1. What are the advamtages of buying two wheeler insurance
online?

It's convenient and saves time and money. By getting two-wheeler insurance online, you can compare prices and offers from numerous insurance providers and get the policy that best suits your needs. The process is fast and easy, and you'll be able to get insurance quotes and purchase a policy within a few minutes.

2. What is long term two wheeler
insurance?

Normal two -wheeler policies are for 1 year period. A long-term two-wheeler insurance policy is one that covers your two-wheeler for more than 1 year viz- 3 years or 5 years. This is beneficial as premium for long term policy will be cheaper and you don’t have to worry about remembering renewal dates.

3. Is it necessary to insure my bike/ scooter
as per law?

All two wheelers plying on public roads are required to carry compulsory third party insurance. Road accidents are becoming a regular occurrence in India. The number of people dying due to road accidents is alarming, especially in big cities. It is, therefore, important to get your two-wheeler insured against full comprehensive cover.

4. What are the decisive factors affecting the two wheeler insurance premium
amount?

Factors that affect the two-wheeler insurance premium amount are the vehicle's make, model, age, engine capacity, usage and driving record.

5. Incase of uninsured bike/ scooter, what is the penalt that I may incur
as per the law?

The penalty for riding a two-wheeler without insurance is not very high, but it can go up to Rs. 1000 or more depending on the state of registration of the vehicle. There will be a penalty of Rs 1000/- if you show that you did not know that your two-wheeler was not insured. For the second time, the penalty will be Rs 2000/- and if you get caught for the third time, the penalty is Rs 5000/-.

Your vehicle will also be confiscated for a period of one year. It may sound like a lot of money to you, but it's nothing compared to the cost you will have to pay if you cause a crash and your two-wheeler is uninsured. Insurance is required in every state of India, so when you drive uninsured, you are taking a huge chance with your life and the lives of others. It’s advisable that you take two-wheeler insurance and renew it with time.

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Licence Number – 717, IRDA Direct Broker Code: IRDA/DB791/19 , Valid till: 9th June 2026, LLP Identification Number: AAL-5301, Principal Officer: Mr. Ashutosh Singh (Contact Number - 0522-4104400)

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