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Insuring a Two-wheeler: The Most Important Things to Look for

By Juhi Walia
20 September 2022, 2:06 PM

Two-wheelers are a common and vital asset on Indian roads. They help us navigate traffic quickly and are an efficient mode of transport, but fatalities are much more likely to occur during traffic.

A third-party bike insurance policy is mandatory for all vehicle owners under the Motor Vehicles Act, 1988. Two-wheeler insurance can seem complicated at first due to the technicalities. To avoid loose ends and make sure you are getting the best deal, there are a few things you will want to check when you purchase your insurance policy.

Factors such as pricing, mileage, and design play an important role when buying a motorcycle. Similarly, you must evaluate certain other specifics when purchasing insurance to protect your prized possession. 

This article will delve into the different aspects of a two-wheeler insurance policy and what you need to check.

Things to Check Before Buying a Two-wheeler Insurance

When purchasing a policy, you must check the following information:

Policy Type

The type of insurance you choose should be based on your needs. Third-party insurance only covers damages or injuries that you cause to third parties. Getting a comprehensive bike insurance policy that covers your bike and third-party damage is possible. Comparing two-wheeler insurance policies will help you understand the differences between the two. Buying a comprehensive policy is always recommended by experts since it offers more coverage and reduces the risk of having to make a large claim.

Your Bike's Value

When calculating the premium of your comprehensive bike insurance policy, your bike's current market value is used as the basis. IDV in bike insurance stands for Insured Declared Value, and your insurance requires you to determine your bike's IDV. A bike's approximate market value can be used to calculate the IDV. Sports and high-end bikes will have higher IDVs compared to a simple 110cc bike.

Read more - Impact of IDV on Two-wheeler Insurance Renewal

Availability of Coverage

While purchasing a bike insurance policy, knowing and understanding the coverage provided is essential as it will make filing a claim much easier. A comprehensive bike insurance policy purchased online will provide better coverage. The following coverage is usually included in a comprehensive policy:

  1. Theft
  2. Fire
  3. Flood, earthquakes, landslides, and other natural disasters
  4. Riots and vandalism
  5. Legal liability for third parties
  6. Accident-related damage

Your claim will be rejected if your policy does not cover the damage. Visiting the insurer's website will let you know what your online two-wheeler insurance covers.


In addition to knowing your policy's coverage, you should also know its exclusions. Under what circumstances can you raise a claim? While purchasing your bike insurance policy, you will also be informed of the exclusions. These are some of the most common exclusions:

  1. An electrical or mechanical breakdown
  2. A normal amount of wear and tear
  3. The rider is under the influence of a substance that impairs their judgment or ability to operate a two-wheeler.
  4. Damages occurring outside of geographical limits
  5. Nuclear reaction-related damage

Your online two-wheeler insurance policy's exclusions can also be checked on your insurance company's website.

Insurance Company's Credibility

An insurance policy from a credible insurer is necessary for your two-wheeler. In the event of a claim, this will be helpful. When services, products, or turnaround times fail to meet your expectations, you will be left dissatisfied in the event of an emergency. Choosing an insurer wisely is therefore essential.

Before purchasing your policy, make sure the company has a good reputation. Online two-wheeler insurance companies often use social media platforms to gauge the satisfaction levels of existing customers.

Read more - Essential Things You Should Know About Two-wheeler Insurance Policy

Endorsement of the Policy 

The process of policy endorsement involves changing or modifying the information in your insurance policy. Please request that your insurer endorse your policy if you discover errors in the policy documents. Insurers initiate endorsements upon your request.

Admin fees vary from insurer to insurer, but you have to pay them. It would be best if you also asked for the endorsement and the previously mentioned details to be included in the revised policy. 


Having two-wheeler insurance goes beyond just the legal requirement. To ensure your safety as well as the safety of others, it is imperative to have two-wheeler insurance. When it comes down to choosing a policy that suits your needs in the best possible way, different insurance companies might offer various options for your bike, but the key is the research you do.


1. What is not covered in third-party two-wheeler insurance?

This insurance policy will not cover damage or loss caused by terrorism, riots, wars, or natural calamities such as earthquakes or tsunamis.

2. What are the key benefits of a comprehensive two-wheeler insurance policy?

In case of an accident or calamity, your bike is covered by a comprehensive two-wheeler insurance policy. It also protects against theft. Staying insured and keeping your bike covered are critical benefits of renewing your two-wheeler insurance.

3. Can I claim insurance for a bike accident?

Your insurance company should be contacted if your bike has been damaged and needs repair work. An authorised representative will inspect the bike, and the insurance company will register your claim later. Once your claim has been registered, you will receive a claim number.

4. How many times can I claim bike insurance?

Bike insurance policies allow you to make as many claims as you want. However, it is always advisable to not file more than one claim within a year, so your other benefits are not affected.

5. Why should I read the terms and conditions in a policy document?

When you purchase your two-wheeler insurance, it is important to check the terms and conditions so that you are aware of everything that your policy covers. This will avoid any future surprises when filing a claim. 

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