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What is Two–Wheeler Insurance?

Two-wheeler insurance is a type of insurance that covers against liabilities or damages that may occur to the two-wheeler in an accident, theft or natural disaster. This policy provides coverage for all types of two-wheelers such as motorcycles, mopeds, scooters, etc. Generally, there are three types of two-wheeler insurance plans based on coverage that are available in India, which are third-party insurance, standalone own-damage (OD), and comprehensive two-wheeler insurance.

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Types of Two-Wheeler Insurance

Comprehensive Bike Insurance

A comprehensive bike insurance policy gives you complete coverage by paying for the financial liabilities that you may incur towards a third party and by providing compensation for expenses arising from the damages sustained by your two-wheeler. This insurance policy will shield your bike against damages sustained due to an accident, fire, theft, man-made disasters, natural calamities, self-ignition, explosion, and many more. You can also enhance the policy coverage by paying an additional premium to purchase add-on covers like zero depreciation cover, roadside assistance cover, engine cover, and so on.

Third-Party Bike Insurance

In India, a third-party bike insurance policy is a compulsory requirement to ride a two-wheeler. It is also known as a liability-only policy wherein only damages incurred by a third party and not the insured and or his bike are covered. Under this plan, damages to a third party such as property damages, bodily injuries, temporary or permanent disability, and death due to an accident involving the two-wheeler are covered.

Own-Damage Bike Insurance

The standalone own-damage bike insurance policy will cover the insured for the own damages sustained by the two-wheeler due to an accident, theft, fire, natural disaster, and man-made calamity. A standalone own-damage policy provides flexibility to policyholders in choosing an insurance company of their choice. The policyholders can buy a third-party insurance plan and own-damage plan either from the same insurer or from a different one. An insured individual can expand the coverage of an own-damage insurance policy by buying add-on covers at an extra premium.

Benefits of Two-wheeler Insurance

  • Third-party liability coverage

    As per The Motor Vehicles Act, 1988, buying two-wheeler insurance is mandatory because it protects you against third-party liability arising from injury to a person or damage to property caused by you with your insured two-wheeler.

  • Comprehensive protection

    You can choose to buy a Third-Party Liability Policy that only pays for all damages to the third party and settles legal issues if any. In addition to the basic policy, you can opt for add-ons by paying slightly more premium. To name a few, these include Zero Depreciation, Pillion Rider, Two-Wheeler Insurance Personal Accident Cover, and NCB Protect.

  • No claim bonus

    During the policy period, if you have not made a claim, at the time of renewal of the policy, you will receive a substantial discount on the premium payable in the form of no claim bonus. With each passing year of claim-free renewal, the discounts keep getting better.

  • Zero penalties

    Those who are not in possession of insurance papers while riding their two-wheeler can be penalized with a fine or imprisoned for 3 months. Keep your insurance paperwork always ready for verification and enjoy zero penalties.

  • Quick hassle-free process

    The entire process of buying or renewing your two wheeler insurance is made very simple, quick, and convenient at

Inclusions: What is Covered

Under comprehensive bike insurance, the following is covered:

  • Liability to a Third-party
  • Damage Caused by Oneself
  • Floods, earthquakes, and other natural disasters create damage.
  • Theft, other nefarious deeds, and other man-made disasters are all examples of man-made disasters.
  • Damage caused by riots, fires, and other non-third-party causes

Inclusions: What is Not Covered

Your car insurance policy covers you against financial losses that may occur during an accident or theft. However, there are certain events, which your policy may not cover:

  • Normal wear and tear of the vehicle
  • Not having a valid driving< license during an accident
  • Driving under the influence of intoxicating liquor/ drugs
  • Accidents taking place beyond geographical limits
  • If the vehicle is being used for unlawful purposes
  • Electrical/ mechanical breakdowns

Add-on Covers

Add-on is an additional benefit added to your car policy which covers the car against unforeseen expenses. Add-ons, also known as riders, can be included in your insurance policy by paying an extra premium.

  • Zero Depreciation Claim
  • Road Assistance Cover
  • Accessories Coverage
  • Accident Cover for Passenger

How to Compare Two-Wheeler Insurance Online

1. Type of policy

There are three types of bike insurance policies. Third-party Liability policy, Comprehensive Bike insurance policy, and Own-Damage Bike Insurance Policy. You have to decide which type will be the most suitable for your needs. You can compare all the two-wheeler insurance plans to know the exact differences.

2. Value of your bike

The current market value of your bike becomes the base for calculating the premiums for your comprehensive bike insurance plan. In insurance parlance, this value is called the Insured Declared Value, which is also commonly called IDV. You need to set the IDV of your two-wheeler when you are buying a bike insurance policy. You can easily calculate the IDV by knowing the approximate current market value of your bike. Compare two-wheeler insurance to check the amount of IDV on the offer.

3. Coverage of the policy

Understanding the coverage of your bike insurance policy is the most vital thing while buying it. It will be much easier to make a claim if you understand the type of coverage of the policy. If you buy two-wheeler insurance online, you will get better coverage.

A comprehensive insurance policy usually offers more coverage, as it offers good coverage. Your claim may be rejected if the damage is not covered under your insurance plan.

4. Zero Depreciation Add On

Unless the insurance taken is an individual customized policy, the regular wear, and tears of the vehicle will not be covered by the comprehensive two-wheeler policy. But if you have zero depreciation add-on, you are covered as it won't be deducted from your claim payout.

5. Exclusions

Knowing about the exclusions of your two-wheeler insurance policy is as important as knowing the coverage. You should be aware of situations under which you cannot raise a claim. The list of exclusions is always mentioned in the policy document.

Factors that Determine Two-Wheeler Insurance Premium Online

The following are key factors that determine the premium of a two-wheeler insurance policy:

  • Bike Model and Variant
  • Year of Manufacture/ IDV (Insured Declared Value)
  • Fuel type (Petrol / Diesel / CNG / LPG)
  • CC (Cubic Capacity of Engine)
  • Registration Zone
  • No Claim Bonus (NCB)
  • Additional Covers

Claims Process

In the event of a loss, the following are key points on how to claim your car insurance:

Keep the copies of your insurance paperwork up to date and intact. They are critical documents that can get you your claim.

  • Assess and record the damage done to the car
  • File an FIR in case of an accident or theft. It is mandatory in a third-party liability claim to file an FIR
  • Intimate the insurance company at the earliest
  • Extend full cooperation to the insurer and the surveyor appointed for completion of the survey work and for proper assessment of the loss.
  • Provide a "proof of damage" form as well as records relating to your claim (such as medical bills, car repair bills, and a copy of the FIR).
  • Present accurate and validated information to the representative which is the right thing to do for claiming the insurance.

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Two-Wheeler Insurance FAQs

This insurance policy provides cover against damages that may occur to a two-wheeler and/or its riders due to an unforeseen event like an accident, theft, or natural disaster. It protects the vehicle owner against:

Damages to his/her own vehicle

Third-Party Liability

Third-Party Insurance is a statutory requirement under the Motor Vehicles Act, 1988.

Broadly there are two types of insurances policies that offer Two-Wheeler Insurance cover:

Liability Only Policy (Statutory requirement)

Package Policy (Liability Only Policy + Damage to owner’s Vehicle usually called O.D Cover)

If you take a Liability Only Policy, then damage to your vehicle will not be covered. Hence, it is advisable t to take a Package Policy which would give a wider cover, including cover for your vehicle.

The following contingencies are usually excluded under the Two-Wheeler Insurance Policy:

Normal wear and tear of the vehicle

Not having a valid driving license during an accident

Driving under the influence of intoxicating liquor/ drugs

Accidents taking place beyond geographical limits

If the vehicle is being used for unlawful purposes

Electrical/ mechanical breakdowns

IDV or Insured Declared Value is the market value of the two-wheeler at the time of purchase of the policy, based on which the sum insured is decided against theft or accidental damages. With the increasing age of the two-wheeler, IDV decreases due to depreciation, and the resultant premium paid also decreases.

It is a discount available in the renewal premium offered by insurance companies if the two-wheeler owner has not made a claim during the last term of the insurance policy.

If you are selling off or giving away your bike, it makes sense to transfer the ownership of your Two-Wheeler Insurance policy as well. You simply need to hand over all the related documents to the new owner and inform the Insurance company and RTO about the same. Please note that the NCB accumulated by you during your ownership period will not be transferred to the new owner.

If your Two-Wheeler Insurance policy expires, it has the following effects:

Your NCB gets impacted negatively

You get exposed to the risks of third party liability

The increased cost of repairs to your two-wheeler

Yes, it can be replaced. Get in touch with the insurance company to make effective changes.

According to the Supreme Court order, IRDA has mandated all general insurance companies to offer multi-year third-party insurance to all motor vehicles sold after 1st September 2018. Therefore, instead of single third-party liability plans, insurance companies will offer 3-year third-party liability plans for cars and 5-year third-party liability plans for two-wheelers.

Yes, one can still get NCB on the expired insurance policy if it is renewed within 90 days of the policy expiration.