Two-Wheeler Insurance

Covers motorbikes and scooters for own-damage and third-party risks with comprehensive protection and customizable add-ons

Essential Protection for Your Two-Wheeler
Motorcycle insurance, also known as two-wheeler insurance, provides a crucial financial safety net for bike owners by covering hefty repair bills. This policy serves as a contractual agreement between bike owners and insurance companies, shielding them from financial losses arising from accidents, theft, fire, natural disasters, man-made calamities, or third-party liabilities.
Legal Requirement
Financial Protection
Third-Party Coverage
Types of Two Wheeler Insurance Policies in India

Third-Party Bike Insurance

Mandatory by law, protects against legal liabilities arising from damage to third party—person or property—in road accidents. Does not cover own vehicle damage.

Own Damage Bike Insurance

Standalone own-damage cover offers financial protection for damages to your bike caused by accidents, theft, fire, natural calamities. Must be combined with third-party insurance.

Comprehensive Bike Insurance

Complete protection covering both own vehicle damages and third-party legal liabilities. Safeguards against fire, theft, accidents, natural calamities, and unforeseen events.

Why Do You Need a Bike Insurance Policy?

Legal Requirement

Mandatory by law under Motor Vehicles Act. Riding without valid insurance can result in ₹2,000 fine and legal consequences.

Financial Protection

Provides coverage against expensive repairs or replacement due to accidents, theft, natural disasters, offering financial safety net.

Covers Third-Party Liabilities

If insured bike causes injury or damage to third party, policy covers resulting financial and legal liabilities.

Peace of Mind

Lets you ride with confidence knowing you're protected against potential risks and unforeseen circumstances.

Two-Wheeler Insurance Add-ons
Enhance your coverage with these popular add-on options

Zero Depreciation Cover

Full reimbursement of damaged parts without depreciation deduction. Ensures maximum claim payout for repairs without considering vehicle age.

Benefit: Higher repair claim

Helmet Cover

Covers damage or loss of helmet during accidents. Provides replacement cost coverage for protective gear essential for rider safety.

Benefit: Replacement cost of helmet

Engine Protection Cover

Covers water-induced engine damage or oil leakage. Essential protection during monsoons and for flood-prone areas.

Benefit: No financial burden on engine repair

Roadside Assistance

Emergency services if bike breaks down. Includes on-the-spot repairs, towing, fuel delivery, and 24/7 support.

Benefit: Safety and convenience

NCB Protection

Retains bonus on premium renewal even after making a claim. Preserves discount benefits for future policy renewals.

Benefit: Saves premium hike post-claim
Coverage Includes
Own vehicle damage from accidents, fire, theft
Third-party bodily injury and property damage
Natural calamities like floods, earthquakes, cyclones
Man-made disasters including riots, strikes, vandalism
Personal accident cover up to ₹15 lakhs for owner-driver
24/7 roadside assistance and emergency support
How to Buy/Renew Bike Insurance Policy Online
Simple and easy process to buy or renew your bike insurance
1

Fill Your Bike Details

Provide bike details such as make, model, registration number to see insurance prices offered by top providers in India.

2

Compare Insurance Quotes

Select the plan which fits your budget and requirements best from all available bike insurance plans. Compare coverage and add-ons.

3

Pay & Get Policy Instantly

Complete payment online using UPI, debit/credit card, or net banking. Policy issued instantly and sent to registered email for immediate use.

Key Benefits
Quick online purchase and renewal in 60 seconds
No Claim Bonus up to 50% for claim-free years
Cashless repairs at network garages nationwide
Comprehensive protection against multiple risks
Affordable premiums starting from ₹457
Instant digital policy documents via email
Mandatory Requirements
5-year third-party insurance mandatory for new bikes as per Supreme Court directive
Personal Accident Cover of ₹15 lakhs mandatory for all bike owners
Penalty of ₹2,000 for first offense, ₹5,000 for second offense without valid insurance
Insurance must be renewed before expiry to avoid penalties and maintain continuous coverage
Key Advantages of Two-Wheeler Insurance

Comprehensive Protection

Complete coverage for motorbikes and scooters against own-damage and third-party risks with legal compliance.

Customizable Add-ons

Multiple add-on options including zero depreciation, helmet cover, and engine protection for enhanced coverage.

Quick & Convenient

Instant online purchase and renewal process with digital policy delivery and 24/7 support.
Frequently Asked Questions
Common queries about Two-Wheeler Insurance

Ready to Protect Your Business?

Get a customized quote in under 2 minutes. No hidden fees, no obligations.

⚡ Instant digital policy issuance • 📞 24/7 support • 🛡️ Zero paperwork claims