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How Can City Riders Find the Most Suitable Two-wheeler Insurance?

By Juhi Walia
28 July 2022, 11:41 AM

Compared to rural regions, cities have slightly larger traffic densities and accident sizes. These regions have a more significant risk of damages, third-party liabilities, and car theft. Therefore, it would help if you safeguarded your bike with an insurance plan that offers comprehensive coverage to reduce unexpected financial losses in the event of accidental damages.

The third-party two-wheeler liability plan is required and protects you financially from third-party obligations, such as third-party injury, death, or damage to your property. The drawback is that it does not provide financial protection if your bike is damaged or stolen. You should select the comprehensive insurance plan if you want adequate protection for your bike.

The comprehensive plan is the best two-wheeler insurance for city riders since it provides coverage for both third-party liability and bike damages and losses. Additionally, you have the choice to increase the coverage of the preliminary plan by adding beneficial bike insurance add-on covers. For instance, the roadside assistance cover offers immediate assistance in the event of a flat tyre, urgent towing, etc.

Steps to Find an Ideal Bike Insurance for City Riders

The steps to getting the best bike insurance coverage for city riders are as follows:

Understand Your Requirement

It's crucial to know what you need before purchasing bike insurance. Start your search for the best bike insurance by considering your needs. Then, depending on your demands, you can choose a complete policy or third-party bike insurance coverage. However, choosing a complete policy is usually advised since it offers optimal protection for your bike. 

Depending on the level of coverage, there are three forms of bike insurance: a third-party liability plan, a standalone own damage plan, and a comprehensive plan. The latter offers a variety of benefits because it covers both personal damage and third-party liability, whilst a third-party policy covers only third-party claims and a standalone policy covers personal damage. Selecting a comprehensive bike insurance plan is advantageous since it provides the best protection for your bike.

Select Insured Declared Value

A significant aspect in deciding the cost of your vehicle's insurance is the sum insured or the insured declared value (IDV). It is the market value you may expect for your motorcycle or two-wheeler. The insurance will reimburse the IDV after considering deductibles in case of a theft or total loss of your car. Two-wheelers lose value over time owing to normal wear and tear. The IDV in bike insurance declines as depreciation rises, lowering the own damage premium amount annually. Therefore, for the best bike insurance coverage, you must select the appropriate IDV.

Cubic Capacity (CC) of Your Bike

The cubic capacity of a motorcycle's engine impacts the vehicle's premium rate significantly. The premium will increase in proportion to how high the CC is. Therefore, calculate the cubic capacity of your bike's engine to establish your policy premium. The IRDAI bases its third-party cover prices on this information.

Read more - How does Cubic Capacity of Your Bike Affect Policy Premium?

Consider Right Add-on Covers

Consider adding bike insurance add-on covers that will broaden the primary plan's coverage if you want insurance for your bike that is well-balanced and comprehensive. For example, despite covering third-party liability and damages to your bike, the comprehensive insurance plan has several exclusions. For instance, it doesn't cover the theft of private property like helmets. However, you may purchase the add-ons for an additional security layer to compensate for the shortage.

You should add add-on covers to your insurance to increase its scope of coverage. For example, since a two-wheeler theft might result in the loss of personal property, the regular own-damage coverage may have some limitations that add-ons can address.

Choose the Plan Online

The majority of insurance-related tasks are now completed entirely online without the need for paper. Streamlined purchase, renewal, and claim processes save operational costs and offer policyholders convenience. This might help you save money with affordable insurance services.

Read more -Things to Consider Before Buying Bike Insurance

Compare Different Policies

Using the online tool, you may compare a range of bike insurance coverage for your two-wheeler. To get the best bike insurance plan, you should look at the coverage, cost, exclusions, and inclusions. 

Read Reviews of the Insurer

Examine the internet comments left by real customers about insurance providers. So, before making a decision, you can weigh the advantages and disadvantages of an insurance provider.

Look for Multi-year Plans and Discounts

Select a policy that provides the most savings without sacrificing the insurance coverage, sum insured, etc. For example, try to get multi-year insurance in addition to discounts to save money and maintain coverage. You may receive comprehensive coverage in this way for a reduced rate.

Read more - Difference Between Single and Multi-year Two Wheeler Insurance

Choose Insurers Giving Instant Claim Settlements

Nowadays, many insurance providers offer rapid claim payment services for small losses like dents, damaged mudguards, etc. Additionally, they guarantee to transfer money from their account to yours, so you may get your bike fixed at any shop.

Select Insurers with Quicker Claim Process

Many insurance providers require you to file a bike insurance claim within a certain period. To claim, you must log in to your online account, respond to a few questions, and upload images of your damaged bike. Always use such insurers in the future for simple and quick claim payouts.


Riding in a city might be difficult because of the heavy traffic, which can occasionally be chaotic. In metropolitan regions, there may be a larger likelihood of unintentional damages. The best bike insurance for city riders must offer a wide range of features, rapid claim resolution, easy renewal, and paperless transactions.


1. What are the primary types of bike insurance plans for city riders?

The three main categories of bike insurance policies are third-party, own standalone damage, and comprehensive. Liabilities to third parties are covered by third-party insurance. The comprehensive Insurance covers third-party liabilities and own damages, whereas the standalone own damage insurance only covers losses or damages to the bike.

2. Which type of two-wheeler insurance is compulsory for bike owners in cities?

To ride a bike in India, you must have a third-party liability plan. You can either buy a third-party liability policy only or a comprehensive plan to meet this legal requirement.

3. What is full insurance for bikes?

A complete or comprehensive insurance policy for motorcycles offers protection against third-party liability, damages to the covered vehicle, and the ability to add on more coverage as needed. These advantages make the comprehensive bike insurance plan the best bike insurance option for two-wheelers.

4. What is the insured declared value?

The maximum claim your insurance company will pay if your car is stolen or damaged is the "IDV." For example, when you purchase the policy, the market value of your automobile is INR 8 lakh. This implies that the insurer will only pay a maximum of INR 8 lakh.

5. What type of insurance is best for a two-wheeler?

Because of its coverage, a comprehensive policy is regarded as the finest two-wheeler insurance policy. It includes own damage as well as the required third-party liability insurance. Additionally, you may choose the right add-ons to strengthen your policy.

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