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Common Inclusions and Exclusions of Bike Insurance

By Juhi Walia
08 August 2022, 11:08 AM

Bike insurance, often known as a two-wheeler insurance policy, is an agreement between a vehicle owner and an insurance provider in which the latter covers the cost of damages to the bike, third parties, etc. It protects the bike owner financially in case of an unanticipated accident, theft, or natural disaster or man-made catastrophes, fire, etc. It also covers third-party liabilities associated with biking, including damage to another person's vehicle/property or third-party injuries/death.

Bike insurance must be purchased by all bike owners. It guarantees that your cherished two-wheeler will be safe from harm caused by accidents or artificial or natural calamities. There will always be uncertainties, no matter how cautious you are. This is why it's critical to understand the contents and limitations of your bike insurance. To file a claim, you need to be aware of the terms and conditions of your policy to make the right decision. If you are unaware of what your bike insurance policy covers, the chances of claim rejections will always be there. Therefore, it is essential to understand the coverage and limitations of your bike insurance policy.

When you get online bike insurance, you may select various bike insurance policies based on your needs. There are also seven add-ons available to supplement your comprehensive bike insurance coverage and provide additional protection for your bike. You can get a quick quote to determine your premium and purchase appropriate bike insurance coverage.

Types of Two-wheeler Insurance

The Motor Vehicles Act, 1988, makes two-wheeler insurance essential in India. You don't have to be concerned about your bike's loss or damage if you have two-wheeler insurance in your name.

Bike insurance companies typically provide these bike insurance policies:

  • Third-party bike insurance
  • Comprehensive bike Insurance
  • Standalone own damage bike insurance

Third-party Bike Insurance

Third-party bike insurance is required by law. This coverage will cover you against third-party claims resulting from an accident with your insured two-wheeler.

You can file a claim in case your car is involved in an accident and causes substantial damage to you or another person's property. Third-party insurance policies typically have modest premiums. It is the most affordable insurance you can get.

Read more - Is Third-party Insurance Mandatory for Two-wheeler Owners?

Inclusions in Third-party Bike Insurance Policy

Some of the most common things covered by third-party bike insurance are as follows:

  • If your bike causes injury to a third party, your insurer will cover all legal liabilities, including the victim's medical bills.
  • Any damage to third-party property is covered, and you are compensated for their loss.
  • The Motor Tribunal Court approves the amount paid to the third party, and if it happens to be less than the coverage your insurance plan provides, you will not be required to pay anything. However, if the sum exceeds the offered coverage, you will be required to pay the difference.

Exclusions in Third-party Bike Insurance Policy

  • Damage produced by a non-collision is not covered by third-party coverage.
  • The bike will not be covered if it is destroyed in an accident, and the insurance policy will only cover third-party liabilities. While the insurer pays out claims, you must pay for your bike's repair if you only have this policy.
  • The plan does not cover vehicle damage due to natural disasters or theft.

These provisions are specified explicitly in the insurance paperwork, and policyholders can review them to understand both inclusions and exclusions.

Comprehensive Bike Insurance Policy

Despite the availability of low-cost third-party insurance, many people advocate for full coverage. The reason for this is that a comprehensive policy provides all-around coverage. However, the premiums for comprehensive bike insurance are relatively hefty. It covers personal accident risks.

In this example, the policy will pay for any temporary or severe injury or disability you sustain if you are in an accident. In other words, you will be compensated for the losses sustained during the incident.

Read more - 6 Key Elements of Your Comprehensive Two-wheeler Insurance Policy Wordings

Inclusions in a Comprehensive Bike Insurance Policy

A comprehensive insurance policy would cover the following scenarios:

Third-party Liability

Third-party two-wheeler insurance covers any losses caused to a third party involved in an accident with your vehicle. It would cover legal responsibility for bodily injury and damage repair costs.

Own Damage

Damage to the vehicle's owner/driver or the vehicle itself is referred to as 'own damage'. This includes a wide range of scenarios, such as:

Comprehensive coverage would also cover damages caused by natural disasters such as flooding or earthquakes.

 You will be protected from both natural and artificial disasters that cause damage to your vehicle. This could entail stealing or other heinous behaviour.

  • A thorough insurance policy will cover riots, strikes, and fires.
  • This policy covers coverage for bike theft as well.

Exclusions in Comprehensive Bike Insurance Policy

  • You are only insured if you have a valid driver's license issued by the local transportation authority.
  • Coverage will be denied if the rider is proven to be under the influence of alcohol during an accident.
  • The bike insurance plan will not protect you if you drive the car outside the geographical area mentioned in the policy. This plan's coverage only applies within the country; it does not cover damages outside the country.
  • It does not protect you against normal wear and tear on the bike.
  • Mechanical or electrical failure is not included.
  • Damage or loss sustained during a war situation.

Standalone Own Damage Bike Insurance Policy

The name itself suggests the scope of this bike insurance policy. It is related to the coverage of bikes against unforeseen incidents. The premium of standalone own damage bike insurance plan remains lower than that of a comprehensive plan. 

Inclusions of a Standalone Own Damage Two-wheeler Insurance Policy

  • Damage to the bike caused due to an accident, natural and man-made calamities.
  • Loss of bike due to theft
  • Allows addition of add-ons such as zero depreciation, engine protection cover, NCB protection cover, etc.

Standalone Own Damage Bike Insurance Exclusions

  • The policy does not cover third-party claims arising due to an accident.
  • No claims shall be entertained if you or the driver are found to have an invalid driving licence at the time of an accident.
  • Occurrence of incidents while you or the driver are intoxicated with alcohol, drugs, etc.


The above inclusions and exclusions are not exhaustive. So, reviewing the coverage and limitations of the policy is vital to steer clear of any confusion you may have. Make sure you understand the terms of your insurance policy. So, before you get bike insurance online, make sure you understand the coverage and limitations of the policy. It will be easier to file a bike insurance claim and handle it swiftly if you know your coverage.

Read more -Third Party v/s Comprehensive Two Wheeler Insurance


1. What are the types of bike insurance?

Every insurance company provides two types of policies:

  • Third-party bike insurance
  • Comprehensive bike Insurance
  • Standalone own damage bike insurance

2. What is the cost of two-wheeler insurance?

The cost of two-wheeler insurance depends on the type of policy you buy, the make and model of the bike, geographical location, age of the motorcycle, add-ons you opt for, and other factors.

3. Is an online bike insurance policy safe?

Yes, taking bike insurance online is safe and secure.

4. What are the consumables covered under bike insurance?

Consumables include lubricants, washers, oil fillers, nuts and bolts, engine oil, gearbox oil, grease, etc.

5. What are the advantages of buying bike insurance online?

It is beneficial to buy bike insurance online as it is time and cost-saving, and environment-friendly. You can choose from available options and a quick and secure premium process.

6. What are some of the exclusions in a third-party bike insurance policy?

Some of the exclusions in a third-party bike insurance policy include damage to the bike due to natural disasters, accidents, or loss of the vehicle due to theft. 

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