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Every bike owner in India who rides their vehicle on the road must own at least a third-party two-wheeler insurance. However, bike owners can get complete coverage with Shriram comprehensive bike insurance. While more expensive than third-party insurance, comprehensive insurance covers a wide range of contingencies and unanticipated occurrences such as accidents, theft, natural catastrophes, and man-made disasters. The benefit to the insured is significantly more than the higher premium paid.
A comprehensive insurance policy works on a simple phenomenon, wherein it covers all sorts of mishaps and damages be it related to third-party and/or policyholder. It not only gives you peace of mind as you are protected against third-party legal liabilities but also all offers all-round protection against various other mishaps.
Your vehicle will be protected against theft, loss, and damage under a comprehensive two-wheeler insurance coverage. In the case of an accident, this policy will also provide coverage against third-party liabilities. Moreover, it is complete package policy covered under comprehensive policy of Shriram two-wheeler insurance.
Basis | Comprehensive Two Wheeler Insurance | Third-party Two Wheeler Insurance |
Coverage | Comprehensive bike insurance provides coverage for both, third-party liability and own damages. | Third-party bike insurance is a common bike insurance policy that only covers damages and losses caused by your bike to third-party, vehicles, or property. |
Legal | Optional to buy | Mandatory to buy |
Add-ons benefits | You can choose various add-ons with this policy. | This policy doesn’t allow to include add-on covers. |
Premium amount | A comprehensive bike insurance coverage has a higher premium than third-party insurance. | Bike insurance for third party policy is less expensive. |
To acquire comprehensive two-wheeler insurance at Shriram company, follow the steps below:
Step 1: Go to Shriram Insurance’s official website.
Step 2: Enter your bike registration number or other details such as make, model, variant, year of registration, and so on. Then, proceed to get the expected quote.
Step 3: Enter your personal information, such as your name and phone number, and you will be able to buy comprehensive insurance simply online.
Step 4: Do the evaluation, consider quotes, and choose a payment method that best fits your demands and budget.
Step 5: Pay for the comprehensive two-wheeler insurance policy you have chosen. After payment, the policy agreement and other details will be sent to your registered email address.
While you think of buying a Shriram two-wheeler comprehensive insurance policy, Remember to consider the following benefits of purchasing a comprehensive two-wheeler insurance coverage.
Natural Calamity Damage or Loss: A comprehensive two-wheeler insurance policy will cover any damage or loss to the insured bike caused by a natural calamity, including typhoon, cyclone, etc.
Damage or Loss Caused by a Man-made Calamity: A comprehensive two-wheeler insurance policy will cover any damage or loss caused by a man-made calamity such as a riot, any malicious act, terrorist activity, strike, damage caused during transit by rail, inland waterway, road, lift, air, or water, and so on.
Own Damage Coverage: This coverage protects the insured vehicle against any loss or accidental damage.
Third-party Coverage: The comprehensive two-wheeler insurance policy covers all kinds of losses and damages caused to the third-party person or property caused because of a sudden accident.
Theft: The covered vehicle receives coverage if the insured motorcycle is stolen.
Loss by Fire: Any damage or loss caused to your two-wheeler by self-ignition, explosion, or fire is covered under a Shriram comprehensive insurance policy.
A comprehensive two-wheeler at Shriram insurance policy does not cover the following:
A Shriram comprehensive bike insurance policy provides much more benefits than allowing third-party liability coverage. All third-party insurance benefits, such as damage to a third-property party's or vehicle, as well as any personal damages to a third party, such as hospitalization, death, or disability, are covered. Following are some of the advantages of comprehensive bike insurance:
You can quickly renew your two-wheeler comprehensive insurance at Shriram Insurance because of company’s reliable and fast services. There are no unnecessary formalities and examinations. Their amazing customer support helps you throughout the journey.
A comprehensive two-wheeler insurance policy covers both, third-party as well as own damages. Whereas, third-party insurance only covers third-party liabilities.
Documents proving identity, documents proving your address, (passport, government-issued address proof, bank or post office passbook). Copy of DL and RC. A recent passport-sized photograph is required.
Yes, it is completely safe and simple to pay the insurance cost and premium of Shriram two-wheeler comprehensive insurance online.
You can use the Shriram premium calculator to calculate accurate premium amounts.
Yes, the comprehensive two-wheeler insurance policy allows you to enjoy a no-claim bonus if you don’t claim during your policy tenure.