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Is it Good to Purchase Bike Insurance Plans Online?

By Vikas Chandra Das
22 July 2022, 6:09 PM

You should consider several factors before purchasing a bike insurance policy. A major dilemma arises when choosing between buying an insurance policy online or offline. In this day and age of technology, it has become easier and faster to purchase bike insurance online. All it requires is a few details you need to input online, saving you time and effort. Besides, one can't rule out the possibility of eye-catching bike insurance deals online. You will only get happier by grabbing such deals. So, why get influenced by the words of agents and choose a two-wheeler insurance policy that does not serve your purpose when you can select the right policy online?

In this blog, we look at the benefits of procuring insurance coverage online. So, let's get started. 

Read more - How to Buy Two Wheeler Insurance Online?

Benefits of Buying Two-Wheeler Insurance Online

Motorcycle insurance has become much easier to purchase or renew due to the digitisation of the insurance industry. Vehicle owners can compare insurance options and choose the best one without going to the branch. The following benefits are associated with online bike insurance policies:

Enjoy a Paperless Two-wheeler Insurance-buying Experience

It used to be pretty difficult to get insurance for a two-wheeler in the past because it took so much effort to do so. Due to the involvement of intermediaries and agents in the purchase and renewal of two-wheeler insurance, no wonder it is tedious. Buying or renewing an insurance plan online is hassle-free. You can do it yourself by mentioning a few vehicle details and paying the premium online.

Discover the Best Deals

As a buyer of online bike insurance, you are free to compare various insurance coverage options and costs of different insurance policies to decide the most suitable for your needs. You can get a basic idea of the company's services by reading online reviews about it. Some companies can even offer you discounts on buying a bike insurance policy online. 

Renewal Procedure Made Easy

A bike insurance renewal procedure is simple online. You will get renewal quotes by mentioning your bike registration number or the policy number. Choose the best quote based on your needs and pay the premium to cap off the two-wheeler insurance policy renewal. The benefits of the policy will continue for the next policy year.

Further, the no-claim bonus (NCB) is a reward given to the policyholder if they don't raise any claims during the policy tenure. You can avail of a discount on the renewal premium from your insurer by transferring your NCB earned from one policy period to the next. The NCB discounts begin with 20% and can go up to 50%.

Read more - Top Selling Bike Insurance Plans of 2022

No Broker Fees 

Traditionally, the method entails a middleman and an agent, which carries an additional commission. A big advantage of online two-wheeler insurance is that no middleman or agent is involved, so the broker charges are removed. 

Transactions are Safe

It is common for people to be concerned about carrying out transactions online. To build a safe experience, insurers report every minute detail about the policy on their websites with customers' reviews and ratings. This builds trust among the people while purchasing a motor insurance plan online.

Convenience is Prioritised

It has become easier and faster to buy insurance online in recent years. Regardless of where you are and when you are riding your two-wheeler, you can insure it. 

Availability of Add-ons

A two-wheeler insurance policy can be customised easily online by adding optional riders. Some of the most popular bike insurance add-on covers are accessories and spare parts coverage, zero depreciation coverage, and pillion rider coverage. You can purchase these riders for a nominal fee to enhance your motorcycle's protection.

Make Policy Modifications Easily Online

Whenever customers wish to change their address, the name of the nominee or some vehicle parts on their policies, they can do so by marking those changes in the endorsement form available on the websites of their insurers. After submitting the changes, the insurer will check the changes requested and approve them. Consequently, you can see the changes in the two-wheeler insurance policy document.

A 24-hour Customer Service Department

One of the main advantages of buying a motor insurance plan online is your access to customer service 24 hours a day, seven days a week. An experienced professional can guide you through every step of purchase, renewal and claim processes.

Read more - Beginners Guide to Buy Bike Insurance Online


Comparatively, the new digital world has simplified and eased our lives. Insurance is no different. However, to minimise the chances of fraud, verifying the insurance company's details before purchasing or renewing your policy is essential. Buying anything online, including bike insurance, requires staying informed and aware.


1. Is it good to purchase bike insurance online?

There is more convenience and time efficiency involved in purchasing motorcycle insurance online. It also comes with low premiums. Since the policy is purchased directly from the insurance company, an agent commission may not be involved. 

2. Is it possible to pay for bike insurance online?

There is no hassle involved in renewing two-wheeler insurance online. Input details such as the bike's model, the purchase date of the bike, etc., on the insurance company's website, and choose any add-ons if desired. Your policy will be renewed as soon as you pay the premium via - net banking, debit card, credit card, or Paytm app.

3. Which bike insurance type is the best to purchase online?

The best two-wheeler insurance policy is the comprehensive type due to its coverage. Third-party liability insurance and own damage insurance are also included in it. Additionally, you can enhance your policy through appropriate add-ons.  

4. Can two-wheeler insurance be purchased online safely?

Two-wheeler insurance can be purchased online safely. You may be concerned about buying two-wheeler insurance online, but it is always safe and beneficial. 

5. Can I insure my bike with third-party insurance?

Third-party insurance does not offer enough coverage for your bike. According to the Motor Vehicles Act, 1988, third-party insurance is mandatory. However, the policy does not cover mishaps or natural disasters that may impact the insured's vehicle. 



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