Motor Insurance · Two-Wheelers · Vehicle Protection
Two-Wheeler Insurance
Insurance protection designed for motorcycles, scooters, mopeds and other eligible two-wheeled vehicles.
Third-Party Protection
Helps cover eligible third-party liabilities.
Own Vehicle Cover
Protects your two-wheeler against covered losses.
Cashless Repairs
Available through eligible network garages.
No Claim Bonus
Eligible claim-free years may earn NCB benefits.
Optional Add-ons
Additional protection may be available.
Overview
What is Two-Wheeler Insurance?
Two-wheeler insurance is a motor insurance policy designed to provide financial protection for motorcycles, scooters, mopeds and other eligible two-wheeled vehicles.
Depending on the policy, it may cover third-party liabilities, damage or loss to the insured vehicle, theft, fire and certain natural or man-made events.
Third-party motor insurance is mandatory for vehicles used on public roads in India. Third-party cover does not protect your own two-wheeler against damage or theft.
Why Consider
Why is Two-Wheeler Insurance Important?
- Helps meet the mandatory third-party insurance requirement
- Provides protection against eligible third-party liabilities
- Can cover eligible accident, theft and fire-related vehicle losses
- Can reduce the financial impact of unexpected repair costs
- Optional covers can provide additional protection
Eligibility
Who Can Buy Two-Wheeler Insurance?
- Registered owners of eligible two-wheelers can purchase insurance
- Vehicle registration details are generally required
- Make, model and variant may be required
- Engine and chassis details may be required
- Previous insurance and claims history may be considered
Exact requirements depend on the insurer, vehicle and selected insurance product.
Types of Two-Wheeler Insurance
Third-Party Liability
Covers eligible legal liability arising from third-party injury, death or property damage. It does not cover your own two-wheeler.
Standalone Own Damage
Covers eligible loss or damage to the insured two-wheeler from covered events.
Comprehensive
Generally combines third-party liability and own-damage protection for broader coverage.
New Two-Wheeler
Long-Term Third-Party Cover
For a new two-wheeler, the insurance arrangement must comply with applicable regulatory requirements. A new two-wheeler may be issued with long-term third-party liability cover, with own-damage coverage arranged separately or as part of a permitted bundled structure.
The own-damage component in a bundled policy generally requires renewal after its applicable coverage period.
Own Vehicle Protection
What Can Own-Damage Insurance Cover?
- Accidents and collisions
- Theft
- Fire and explosion
- Floods, storms and earthquakes
- Certain covered man-made events such as riots or vandalism
The actual coverage depends on the policy wording, exclusions, deductibles and applicable conditions.
Key Benefits
Cashless Repairs & No Claim Bonus
Cashless Repairs
Many insurers provide cashless repair facilities at network garages, subject to insurer approval and policy conditions.
No Claim Bonus
Eligible claim-free years may provide a discount on the own-damage premium at renewal, subject to applicable conditions.
Optional Protection
Common Add-On Covers
Zero Depreciation
Roadside Assistance
Consumables Cover
Engine Protection
Return to Invoice
Availability, eligibility, claim limits and exclusions vary by insurer and policy.
Important Factor
Understand the Insured Declared Value (IDV)
For own-damage coverage, the Insured Declared Value broadly represents the insured value of the two-wheeler and should reasonably reflect its market value.
A very low IDV may reduce the premium but can also reduce the potential claim amount in situations such as total loss or theft.
Premium
Factors Affecting Two-Wheeler Insurance Premiums
Own-damage premiums may vary between insurers. Compare the coverage, IDV, deductibles and policy conditions instead of choosing based only on the premium.
Buying Guide
How to Buy Two-Wheeler Insurance?
- Purchase directly through an authorised insurance company
- Use an appropriately authorised insurance agent or broker
- Purchase through an authorised online platform
- Verify that the insurer or intermediary is authorised
- Compare policy wording, coverage and exclusions before purchasing
Vehicle & KYC
Documents Generally Required
- Vehicle Registration Certificate (RC)
- Existing insurance policy, if applicable
- Vehicle registration details
- Engine and chassis details
- Previous claim history, where required
- PAN or other KYC documents, where applicable
Renewal
How to Renew Two-Wheeler Insurance?
Renew your policy before its expiry date to avoid a break in coverage. A break in insurance may require vehicle inspection and can affect certain policy benefits.
If a comprehensive policy remains lapsed beyond the applicable period, accrued No Claim Bonus may also be affected.
Exclusions
Understand What is Not Covered
Carefully read the policy wording to understand situations that may not be covered.
- Unlawful use of the vehicle
- Driving without a valid licence
- Normal wear and tear
- Mechanical breakdown, where not caused by an insured event
- Other circumstances specifically excluded under the policy
Things to Know
Before Buying Two-Wheeler Insurance
- Choose the right type of cover
- Check the Insured Declared Value (IDV)
- Understand policy exclusions
- Review optional add-ons carefully
- Check compulsory and voluntary deductibles
- Review network garage availability
- Compare coverage and service, not only premium
- Keep the policy active and renew before expiry
- Read the complete policy document
Responsible Ownership
Keep Your Two-Wheeler Insurance Active
Riding without valid mandatory third-party insurance can expose the vehicle owner to legal and financial consequences. Keep the policy active and renew it before expiry.
Conclusion
Choose Protection That Fits Your Two-Wheeler
Two-wheeler insurance is an important part of responsible vehicle ownership. Third-party liability insurance is mandatory, while own-damage and comprehensive/package covers can provide additional protection for your vehicle and finances.
Compare coverage, IDV, deductibles, exclusions, add-ons and service features to find a policy that better matches your two-wheeler and individual requirements.
Looking for the right two-wheeler insurance?
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