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Motor Vehicles Act makes it mandatory for all vehicle owners to purchase insurance to drive on Indian roads legally. However, this act calls explicitly for third-party insurance. Third-party insurance provides financial protection to third-party in case of an emergency. But, if you avail of third-party insurance, you do not get any financial cover. So, in case of an eventuality, all the financial burden will fall on you. To save yourself from the unnecessary burden, you can opt for the standalone insurance policy if you do not want to purchase a comprehensive policy.
National standalone two-wheeler insurance policy is a policy that is explicitly curated by keeping the policyholder in mind. A two wheeler insurance policyholder gets monetary compensation against the damage incurred on their vehicle due to their own negligence. Aside from this, it also protects acts of violence such as theft, vandalism, arson, etc. You can purchase this insurance without surrendering your National third-party two-wheeler insurance.
Following is the tabular representation of the differences between the standalone policy of National bike insurance, National third-party bike insurance, and National comprehensive bike insurance.
Standalone Bike Insurance | Third Party Bike Insurance | Comprehensive Bike Insurance |
It provides the protective financial cover only to the policyholder’s vehicular damage. | It provides protective financial cover to the vehicular or physical damage incurred to the third-party due to your negligence. | This insurance provides the financial protective cover to both third-parties and the physical and vehicular damage of the policyholder. |
You are allowed to purchase add-on covers along with your insurance policy. | The insurer does not offer you to purchase any add-on covers along with this insurance policy. | You can opt to add multiple add-on covers along with your base insurance policy to customize it. |
This insurance policy is slightly more expensive than third-party bike insurance but cheaper than comprehensive bike insurance. | It is the cheapest policy amongst all. | The premiums of the National comprehensive bike insurance policy are significantly higher. |
Optional to buy. | Mandatory to buy. | Optional to buy. |
The following things are covered under the National standalone bike insurance:
The following things are not covered under the National standalone bike insurance:
Following is the list of benefits that you avail yourself with the National standalone bike insurance:
Yes, you can purchase the National standalone bike policy online.
You can purchase National standalone two-wheeler insurance policy for 5 years, if you are a new bike owner. Else, policy can be availble for tenures like 1 year, 2 years and 3 years.
The exact compensation in case of death or bodily injuries to the policyholder, will be decided by the Court of Law.
You can pay National Insurance company's premiums either via making cash payments at the branch or by online modes such as credit or debit cards, net banking, etc.
You can check the National Insurance policy status online by logging in on the official website using the proper credentials.