Best Bike Insurance Plans
Bike insurance protects two-wheeler owners against accidents, theft, natural disasters, and third-party damages, covering repairs, legal liabilities, and losses while ensuring safety and legal compliance.
Third-Party Bike InsuranceComprehensive Bike InsuranceStandalone Own Damage (OD)Find the Best Bike Insurance Plan
Bike Insurance Made Simple
Bike insurance is not just mandatory; it is essential for protecting yourself and your two-wheeler. A reliable bike insurance policy provides financial support for accidents, damages, theft, and third-party liabilities. Having the right protection ensures that unforeseen events do not disrupt your peace of mind while riding.
Types of Bike Insurance
Three main types cover third-party liabilities, own vehicle damages, or both combined for comprehensive protection.
Third Party Bike Insurance
Mandatory minimum coverage protecting others from injury, death, or property damage; excludes your own bike’s damage.
Comprehensive Bike Insurance
Covers third-party liabilities plus your bike’s damages due to accidents, theft, fire, or natural calamities with add-on options.
Standalone OD Insurance
Covers damage to your bike only; you must buy third-party coverage separately.
Benefits of Bike Insurance
Bike insurance safeguards against accidents, theft, and damages, covering repair costs, third-party liabilities, and ensuring financial protection for riders.
Legal Protection
Bike insurance ensures compliance with Indian laws and protects you from legal and financial liabilities caused to others.
Complete Damage Coverage
Comprehensive insurance covers both third-party liabilities and your bike damages, providing extensive financial protection.
Convenient Repairs
Access cashless repair services at network garages or get fast reimbursements, making bike repairs hassle-free.
Affordable and Easy
Buying or renewing bike insurance online is quick, affordable, and comes with special discounts for online buyers.
Popular Add-On Covers
Below are the top add-on covers for your two wheeler insurance policy.
Roadside Assistance
Roadside Assistance provides immediate help during breakdowns, accidents, or emergencies, ensuring quick support and peace of mind wherever you are.
NCB (No Claim Bonus) Protection
No Claim Bonus (NCB) Protection allows you to maintain your discount even after making a claim, saving on premiums.
Engine Protection
Engine Protection covers damages to your vehicle’s engine caused by water ingress, oil leaks, and other unexpected mechanical issues.
Zero Depreciation Cover
Zero Depreciation Cover allows you to claim the full repair or replacement amount without any depreciation deductions.
Return to Invoice
Return to Invoice cover provides compensation of your vehicle’s original invoice price in case of total loss or theft.
Consumables Cover
Consumables Cover protects you by covering expenses for consumable items required during vehicle repairs, ensuring complete and worry-free service.
Simple & Quick Claim Process
We offer a fast, transparent, and convenient bike insurance claim process in 4 easy steps
Cashless Claim Settlement
Inform your insurer
Notify your insurer immediately after an accident.
Survey
The surveyor inspects your bike at the network garage.
Fill the claim form
Submit claim form and documents.
Approval Wait
The Insurance company pays the garage directly.
Reimbursement Claim Settlement
Register the claim
Register the claim with your insurer.
Fill the claim form
Submit completed claim form with documents.
Survey
The surveyor assesses damage.
Approval Wait
Pay upfront and get reimbursed after approval.
Frequently Asked Questions
Find quick answers to the most common questions about filing insurance claims.
Is two-wheeler insurance mandatory in India?
Yes — at least Third-Party Liability insurance is legally required under the Motor Vehicles Act.
What are the types of two-wheeler insurance policies?
- Third-Party Liability only
- Comprehensive (Third-Party + Own Damage)
- Standalone Own Damage (less common)
How is the premium calculated for bike insurance?
Premium depends on engine cubic capacity (cc), vehicle age, location, engine modifications, selected add-ons, and claim history.
Is No Claim Bonus (NCB) available for bikes like cars?
Yes — you earn NCB discounts for each claim-free year, which lowers your renewal premium.
What add-ons should a two-wheeler owner consider?
- Zero Depreciation cover
- Helmet Protection rider
- Engine Protection cover
- Roadside Assistance service
- Key Replacement benefit
What if I don't renew my bike insurance on time?
The policy lapses, NCB is lost, and riding uninsured is punishable under the Motor Vehicles Act.
Can electric scooters be covered under two-wheeler insurance?
Yes — registered electric two-wheelers are eligible. Unregistered or grey-market EVs are not insurable.
How to file a claim if your bike is stolen?
- File an FIR immediately
- Notify your insurer with FIR and required documents
- After investigation, claim is processed if theft is confirmed
Do bike modifications affect insurance claims?
Yes — undisclosed changes (e.g., exhaust or engine upgrades) may lead to claim rejection.
Can I transfer my two-wheeler insurance after relocating to another city?
Yes — inform your insurer. The policy remains valid, though the premium may be revised based on the new location.
