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Tips to Choose the Most Suitable Two-wheeler Insurance in India

By Juhi Walia
28 July 2022, 11:00 AM

Everyone loves a bike ride, and the adventurous two-wheeler rides in India are extremely popular. Your bike helps you surf through traffic quickly, is quite simple to maintain, and is inexpensive compared to a four-wheeler. But you also run the risk of accidents involving annoying, unbearable costs. Considering these facts, the Motor Vehicles Act, 1988, mandates bike insurance for every vehicle owner. Third-party bike insurance or liability bike insurance is required and protects you against financial liability to third parties. Comprehensive bike insurance covers both third-party liabilities and vehicle damages.

There are many online bike insurance options, and it can be challenging to select the best bike insurance. That's why we have compiled some tips here to help you make an informed two-wheeler insurance purchase. 

How to Choose the Right Two-wheeler Insurance Online?

When buying a two-wheeler, consider various factors such as appearance, mileage, price, etc. Likewise, when choosing the right bike insurance online coverage, you must consider elements that will help you achieve your goals. Here are some tips on how to get the best two-wheeler insurance online coverage that meets your needs and fits your budget.

Understand the Coverage

Assess your needs and budget before seeking motor insurance coverage. A comprehensive bike insurance policy covering civil liability and personal damage is the most preferred and the best bike insurance online policy. For extra coverage, you can add riders like roadside assistance.

Price of Two-wheeler Insurance

Look for bike insurance companies that promise more coverage for a lower price. Different insurers offer policies at different costs. Note that the rates of third-party bike insurance online are set by the Insurance Regulatory and Development Authority of India (IRDAI). A bike insurance calculator and web aggregators can help you compile this data and show you the cheapest policy. Coverage should not be compensated for in price as it contradicts the primary purpose of the insurance.

Consider the Insured Declared Value 

IDV in bike insurance is the current market value of your bike. It is the maximum amount your insurance can pay in case of bike theft or totalization. Depreciation reduces the IDV over time and, therefore, the premium amount. Therefore, IDV is crucial as it affects the premium and payment of the insurance plan.

Authorized Discounts

Choose a plan that offers a lucrative deal or discount rate to reduce your premium. Some standard discounts are no-claim discounts, optional excess choice discounts, disability vehicle conversion discounts, and more.

Customer Service Provided by the Insurer

Judge an insurer based on its support before and after the policy purchase. The insurer must promise a user-friendly and easy-to-navigate interface, interactive and pleasant customer care services, and online plus offline services.

Check the Claim Settlement Rate

You must verify and compare bike insurance company's claim settlement record. A company with a high bike insurance claim settlement ratio would be better as it assures you of a hassle-free claim settlement experience. 

Learn More About Additional Coverage

Extra two-wheeler coverage can be added to your existing bike insurance online package for an additional cost. That's why it's always a good idea to evaluate bike insurance add-ons from different plans and add essential additional coverage to fulfill our needs.

Goodwill and Credibility of the Insurer

You must compare the reputation, ranking, reviews, ratings, testimonials, customer feedback, and credibility of the insurer from a customer's perspective. Talk to people who have insurance or log onto the internet to find the latest company reviews. Get an idea of their claim process and how easy or difficult it is to renew your policy.

Check for a Hassle-free Bike Insurance Purchase & Renewal Process

Purchasing two-wheeler insurance online has become a straightforward procedure. All you need to do is submit your details online, make a payment, and get your policy by email. It’s a paperless and contactless service. The two-wheeler insurance renewal follows the same rules too. So, look for a two-wheeler insurance policy online that benefits you and saves you time and effort compared to traditional insurance buying and renewal procedures.

Read more -5 Things to Consider When Renewing Your Two-Wheeler Insurance Policy

Complaint Research

Check the bike insurance company's complaint rate, as it will mirror the authenticity and reliability of the insurer's policy. It will also give your insight into the service of the company. So, you can make a fair choice.

Mistakes That Many People Make While Buying Bike Insurance 

  1. They fail to make a comparison of different bike insurance policies online and end up buying a not-so-good policy.
  2. You have surpassed your bike insurance renewal online date, because of which your NCB can drop down to zero, and your premium can increase too.
  3. Not buying bike insurance online will increase your premium due to the involvement of brokerage fees synonymous with offline policies. Bike insurance online policies are thus much cheaper. So, purchasing and making a two-wheeler insurance renewal online saves you money, effort, and time.
  4. People mistakenly purchase more add-ons than required and undesirably increase the premium - Always skip the ones you feel don't have much value.

Read more - 5 Fatal Mistakes to Avoid When Buying Two-wheeler Insurance


When purchasing two-wheeler insurance, keep in mind the above considerations. Considering these factors, you can rest assured that you are choosing the best cover for your two-wheeler.


1. Which type of insurance policy is the best for two-wheelers?

A comprehensive bike insurance policy is considered the best two-wheeler insurance due to its extensive coverage. It covers both compulsory liability insurance and own damage.

2. What is IDV in two-wheeler insurance?

IDV is the insured amount you get from the insurer in the event of a total loss of the two-wheeler or irreparable theft. In other words, the insured value is the current market price of your two-wheeler.

3. What is zero dep insurance for a bike?

Zero depreciation two-wheeler insurance online means the insurer does not consider the depreciation of bike or scooter parts when settling the damage. The insurance company is liable to provide full coverage for the two-wheelers without accounting for depreciation.

4. What does the standalone own damage bike insurance mean?

Standalone own damage is a two-wheeler insurance online policy designed to protect your bike against unexpected damage. This policy provides insurance coverage for the damage caused to your bike due to traffic accidents, fires, natural disasters, or other accidents. However, it does not come with a mandatory third-party liability cover.

5. Is engine damage insured under bike insurance online?

You could claim engine repairs from insurance if the damage results from a covered accident or collision damage waiver. But you must note that an insurance claim does not cover engine damage caused by mechanical failure or general wear and tear. However, you can buy an engine protection add-on and get covered against damages due to oil and water leaks to engine parts.

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