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Online vs Offline Bike Insurance: What You Need to Know

By Vikas Chandra Das
19 September 2022, 3:06 PM

If you own a two-wheeler, you know the importance of securing it with insurance. The Motor Vehicles Act sets legal requirements for it. With a digital revolution sweeping the nation, insurance policies can now be purchased both online and traditionally.

Two-wheeler insurance policies are purchased online, but many policyholders are unfamiliar with the process. No physical document is included in an online process, raising questions about its validity.

There are a lot of misconceptions about purchasing two-wheeler insurance online. This article strives to debunk these myths and assists you in buying a comprehensive policy online.

Busting Myths about Buying Bike Insurance Online vs Offline

Myth #1: There is no assistance for policies online

Among all the misapprehensions related to online bike insurance policies, this is by far the most commonly held belief. When it comes to offline insurance plans, you will be assisted by insurance agents or representatives in the insurer branch to guide you through choosing your policy.

Similarly, you will be helped by round-the-clock customer assistance when it comes to online insurance plans. Before you make a payment, you can email or call the customer support team to answer all of your questions. Getting assistance with your policy payment or understanding your policy is easy with a customer support executive.

Myth #2: You need more documents online, and it is really tough

It is far from the truth that purchasing insurance online is easy. You don't need to submit any paperwork or lengthy documentation. To get started, visit the website of your preferred insurance provider or download their mobile app. Once you enter your bike's registration number and the details of its purchase, model, and make, you can instantly choose an insurance policy. 

Myth #3: You need to be proficient with computers to purchase insurance online

In reality, all you need to buy a bike insurance policy online is basic computer and internet knowledge. With the convenience of having a smartphone that can connect to the internet, you can complete the entire buying process with just a few taps of the screen. Additionally, comparing a policy online or using an application on your mobile device is less hassle than comparing it in person.

Myth #4: Agent provides policies at a lower cost offline

A policy sold online is directly sold to the customer by the insurance company, eliminating the need for multiple marketing layers. The sales process is direct-to-customer, which reduces overhead in the form of commissions since no middlemen are involved. You will also be able to save on your premium because of these lowered costs. Thus, when you choose online, you can get bike insurance at a low price.

Myth #5: It is difficult to get a claim when buying a policy online

In the event of a claim, it does not matter whether the insurance was obtained online or offline because it has no impact on how the claim is settled. When the buyer opts for cashless claims, they will have a hassle-free cashless repair experience at the network of garages that belong to the insurer. If the damage to your vehicle is severe, you should still file a claim through the website/app by providing the claim staff with the details of the damaged vehicle, and they will be able to walk you through the entire procedure.  

Myth #6: Buying bike insurance online is time-consuming

Online processes are much more efficient; it's easier to get an accurate quote when you aren't put on hold or talk to someone who doesn't know what they're doing. You also don't have any interruptions from other customers at the store (or even in your own home).

Read more - Beginners Guide to Buy Bike Insurance Online


It is possible to make both online and offline purchases. Depending on your level of comfort, you will be able to obtain two-wheeler insurance in various ways. Purchases can be made online by those who use the internet and make online payments. It is easy to find a representative who can help those who require more assistance in this area. 

Given the simplicity and benefits of online two-wheeler insurance, you should consider buying it online rather than offline. There is no escaping the internet, and it provides the convenience of interacting directly with your insurer while obtaining comprehensive bike coverage at a reasonable price.

Read more - A Complete Guide to a Two-wheeler Insurance Policy


1. Is it okay to buy bike insurance online?

Insurance for two-wheelers can be purchased online in a secure manner. Even though customers may be concerned about online transactions, buying two-wheeler insurance online is always safe if they do additional research. Before purchasing an insurance plan online, checking all the features offered is a good idea.

2. Is a hard copy of the bike insurance policy necessary?

Not anymore as even digital documents are considered valid by the traffic officials. At random checkpoints, enforcement officials may demand proof of insurance if you drive without it.

3. Which type of insurance is best for the bike?

A comprehensive plan is the best among the two-wheeler insurance policies available to bikers. As well as protecting your vehicle, it also protects third parties' vehicles and property. In addition, it ensures that the policyholder's two-wheeler is protected against theft and loss in case it is stolen or lost. 

4. Is it necessary to buy insurance after buying a bike?

Yes, it is a legal requirement in India to purchase third-party insurance at least as without which you cannot ride your bike on Indian roads.

5. Is it mandatory to buy insurance from a dealer?

Purchasing a bike insurance policy at a bike dealership is not mandatory. Customers may have to pay a higher premium for insurance plans offered by bike dealers. Researching bike insurance plans before buying a vehicle is always recommended.

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