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Let’s get you started on your Bike Insurance journey!


What is Bike Insurance?

Bike insurance is the best solution that can help you cover the financial costs and losses that can arise because of an accident. A two-wheeler insurance policy covers all kinds of two-wheelers such as a scooter, motorcycle, moped, etc. irrespective of their use, which could be commercial or personal.

The concept behind two-wheeler insurance is to bring a financial cover against unforeseen damage that is caused to the two-wheeler, the riders as well as the other people or property involved in an accident. 

However, according to a recent survey, it has been seen that 75% of the two-wheelers in India are still uninsured.

Why do I need Bike Insurance?

If you own a 2-Wheeler in India, having third-party insurance is a must regardless of whether it is a commercial vehicle or a personal vehicle.

What kind of Policy is Mandatory by Law?

At times, you may end up hurting others or damaging other's property in an accident. A third-party insurance policy can cover liabilities. That’s why it’s crucial to buy & renew your policy on time.

What other Add-ons can  I buy to get Enhanced Protection?

A comprehensive bike insurance policy, also known as motor package insurance, saves you money when your bike is damaged in an accident or natural calamity. It also covers your vehicle against theft and burglary.

Apart from comprehensive bike insurance, third-party only and own-damage only bike insurance policies are also available. You can choose the policy type as per your needs.

Benefits of Bike Insurance Policy

Pay now so that you can Save Later

A bike accident can be a costly affair. The premium amount that you pay towards your motor insurance is like an investment that you make to help you avert costly damages in the future.

Protect yourself, Protect others

With appropriate two-wheeler insurance, you not just cover your vehicle but also protect your driver and property. When you meet with an accident, bike insurance will take care of the costs that will arise.

Peace of Mind

No matter how good a driver you are, an accident may not always be avoided. Then there are also factors like vehicle theft, floods, landslides, earthquakes, or riots, bomb blasts, etc. that can damage your vehicle. With the right bike insurance, you can have the satisfaction that in case something goes wrong, your monetary loss will be covered.

Be a Responsible Citizen

Having a bike insurance policy is mandated by the law. Being a law-abiding citizen saves you from penalties and other legal impediments. The motor insurance will also pay for lawsuits that arise due to the accident.

Other Benefits

There are multiple add-on benefits that can enhance the cover of your motor insurance. Some of the most popular add-on benefits that are available with bike insurance plans in India are:

  • Engine Protection Cover
  • Zero Depreciation Cover
  • Consumable Cover
  • Key Protection Cover
  • Daily Allowance
  • No Claim Bonus

Choose from 3 types of Bike Insurance

What is  Covered?


Comprehensive insurance offers 360-degree bike protection. It provides complete cover against third-party/person.


A third party bike insurance only provides cover against damages incurred to a third person or property.

Own Damage

OD bike insurance provides insurance coverage only for the accidental damages sustained by the bike.

Third-Party Vehicle Damage
Third-Party Property Damage
Own Vehicle Damage
Vehicle Theft 
Fire Damage
No Claim Bonus
Cashless Claim 
Damage from  Natural Calamities
Personal Accident Covered
Engine ProtectionThrough add on
Zero Depreciation CoverThrough add on
NCB Protection Through add on
Invoice CoverThrough add on

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What is covered in Bike Insurance Policy?


Any damages to your bike due to accident


Loss incurred due to theft or burglary is covered.


If your bike catches fire, resulting from self-ignition, explosion or lighting.


Any damage due to natural or man made causes like floods, earthquake, riots etc.

Third Party Losses

Death, injury or property damage to any third party arising from your bike.


Any damages to engine parts, gear box etc. arising due to water ingression, oil leakage or hydrostatic lock.

And what’s not covered

Own damages

Any damage to own bike in case of third-party or liabality only insurance policy


Drunk Driving

Any damage which is a result of  driving under the influence of alcohol/drugs

Consequential Damages

No coverage is offered for depreciation expenses & mechanical/electrical breakdowns of the bike

Driving without a valid licence

If you hold a learner’s licence and driving without a valid driving licence holder in the front seat


Any negligence which is not recommended as per the manufacture’s driving manual.

How to claim your damages

Inform the Motor Insurance company
You need to inform the insurer as early as possible about the accident and the claim. You can do this through the agent or Customer Care
File a MCR
In order to claim for an accident, you need to file a Motor Collision Report at the nearest police station
Inspection by the Company
A company surveyor would visit the site to make an assessment of the damage. A report would be submitted by him to the company.
Claim Settlement
Based on the report of the surveyor from the insurance company who inspects your vehicle, an estimate of the repair charges will be made and the repair work can then begin.

The following documents will be required when you request the two wheeler insurance claim

  • Duly filled Policy Claim Form
  • Company Policy Papers
  • Copy of Driver's license
  • Copy of RC of the two wheeler
  • The ID of the claimant
  • Copy of the MCR

Bike Insurance claims can either be Cashless or on Reimbursement

Cashless Claim

For a cashless claim, once the surveyor submits a report for the estimated cost of repair of the damage, the insurance company will settle the amount directly with the network garage.

Reimbursement Claim

For a reimbursement claim, the garage need not be a part of the network garages of the insurer. Once the surveyor submits a report for the estimated cost of repair of the damage, you can initially pay the same from your pocket. Then the original bills and receipts need to be submitted at the insurance company along with the claim form in order to get a reimbursement of the amount paid towards the repair work.

How to renew your lapsed or expired policy

If your bike insurance policy has already expired, then your vehicle needs to be surveyed by the official surveyor of the insurance company before the policy is revived. This is because, all accidental damages during the lapsed tenure, would not be covered in the plan. Based on the report of the surveyor, the insurance company will decide whether to renew the plan or not. Also, your No-Claim Bonus may be lapsed for an expired policy, if not renewed within 90 days of your previous policy expiry date.

Thus, make sure you always renew your two-wheeler insurance policy on time so as to get maximum coverage benefits and save yourself from the hassle of a survey for revival.

  • An authorised ID proof (Passport/PAN Card/Adhaar card)
  • Driver's license
  • Policy number and papers
  • RC of the Vehicle

Two Wheeler Insurance Articles

FAQs about Two Wheeler Insurance

  • Why is Two Wheeler Insurance Mandatory in India?
  • What are add-on covers in two-wheeler insurance?
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