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Know about Bike Insurance

Buy or Renew your Two Wheeler Insurance Policy in less than 60 seconds ⚡. Being one of the easiest and affordable means of travel, the demand for two wheelers has risen in India. With this, the demand for two wheeler insurance has also grown. A 2 wheeler insurance policy protects you against third party and own damage liabilities.

What Is Bike Insurance?

Know all about Two Wheeler Insurance - Definition, Importance, Types of Bike Insurance

Bike insurance, also known as two-wheeler insurance, is a type of insurance policy that provides financial aid to you against the losses incurred to your bike & third-party property/life due to unforeseen events like accidents, natural & man-made disasters, fire, loss, etc. It is mandatory for all bike owners to have at least a third-party bike insurance policy in India. There are three kinds of two-wheeler insurance plans available in the market namely third-party bike insurance, standalone own-damage (OD) insurance, and comprehensive cover for bikes. These insurance covers are distinguished on the basis of the benefits they offer. The cost of this insurance differs based on the factors like model, brand name, year of registration, add-on covers, city of registration, the insurance provider, etc. It is advisable for you to carefully consider your insurance needs & select a policy that provides adequate coverage to protect you & your hard earned money in case of accidents or any other unfortunate events.

What Is Bike Insurance?

Key Features of Bike Insurance

CategoriesKey Features
Bike insurance starting premiumRs. 1.5/day
Third-party Bike InsuranceMandatory by government
NCBUp to 50%
Cashless garagesAvailable
Comprehensive bike insuranceOwn-damage + third-party
Claim Settlement Process24*7 Support
Buying / Renewal ProcessOnline
Policy Buy TimeIn 60 seconds
Add-onsMore than 10 add-ons are available such as zero depreciation, no claim bonus protector, key loss cover, etc
Personal Accident CoverUp to Rs. 15 lakhs

Types of Two Wheeler Insurance

There are 3 types of bike insurance policy in India and InsuranceDekho offers all of them.

  • Preferred
    Comprehensive Bike Insurance

    Comprehensive Bike Insurance

    This is the most preferred type of two-wheeler insurance in India. As the name suggests, it covers both third-party damages & the damages to your own motorbike. This policy protects your bike against damages it sustains due to an accident, fire, theft, man-made disasters, natural calamities, self-ignition, explosion, and so on. You can also enhance its coverage by paying an additional amount to purchase add-on covers like zero depreciation cover, roadside assistance cover, engine cover, etc.

  • Third Party Bike Insurance

    Third Party Bike Insurance

    It is compulsory for bike riders to have a third-party two-wheeler insurance plan for their two-wheelers. It is also known as liability-only policy which covers physical injuries, temporary or permanent disability, and death of the third party person due to an accident or a mishap. This motorcycle or scooter insurance policy also covers the property damage expenses sustained by the third party up to Rs. 1 Lakh, but does not cover damages to your own bike.

  • Own-Damage Bike Insurance

    Own-Damage Bike Insurance

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

Comprehensive vs Third-Party vs Standalone Own-Damage Bike Insurance

Navigating through the different types of bike insurance can be challenging, but understanding the coverage each type provides can help you make an informed decision. Here's a comparative look at Comprehensive, Third-Party, and Standalone Own-Damage Bike Insurance:


Comprehensive Bike Insurance

Third-Party Bike Insurance

Standalone Own-Damage Bike Insurance


- Own-Damage

- Third-Party Liabilities

- Theft, Fire, Natural

- Calamities

- Third-Party Liabilities

- Own-Damage

- Theft, Fire, Natural

- Calamities

Add-Ons Availability








Legal Compliance (in India)



No (unless paired with a separate Third-Party policy)


- Broad Coverage

- Customizable with Add-Ons

- Legal Compliance

- Lower Premium

- Own-Damage Coverage

- Lower Premium compared to Comprehensive Insurance


- Higher Premium

- No Own-Damage Coverage

- No Third-Party Coverage

- Fewer Add-On Options

How to Choose Two Wheeler Insurance Policy?

With so many insurance companies offering two-wheeler insurance plans, it often becomes difficult to choose the right one. Here are the factors that you need to consider while purchasing a bike/scooty insurance.

1. Know Your Coverage Requirements

Assess your bike requirements and budget so that you can choose the best insurance plan type for your bike. While assessing your requirements, you must consider different factors such as usage of your two wheeler, your expenditure, liabilities, etc.

2. Choose Add-ons Wisely

Add-on covers help you to enhance the coverage of your two wheeler insurance policy. You can opt for an add-on cover for your two wheeler insurance policy by paying an extra premium. Some common add-on covers are zero depreciation cover, personal accident cover for pillion riders, roadside assistance, etc.

3. Choose a Reliable Insurance Company

You must check the claim settlement ratio of the insurance providers while choosing a two wheeler insurance company.

4. Compare Two Wheeler Insurance Plans Online

It is important to compare different two wheeler insurance policies online to make the best decision for your bike. You can compare different plans on the basis of inclusions, exclusions, premiums, etc.

5. Read Online Reviews

It is important that you read online reviews posted by different customers. This will help you in choosing the best bike insurance. You must read positive as well as negative comments online so that you can decide what is best for you.

Benefits of Buying A Two Wheeler Insurance Policy

Two-wheeler insurance is not just an option anymore, it stands as a protection for your two-wheeler. It ensures comprehensive protection by offering a safety net in the face of unfortunate events and circumstances. Thus, when it comes to securing your bike against unforeseen losses resulting from accidents, a bike policy is your most reliable option. To ensure you make the right decision and select the ideal coverage for your two-wheeler, here are some key benefits you should consider while purchasing your insurance policy.

1. Financial Protection

Bike insurance plays a vital role in safeguarding you against the uncertainties that come with riding on the road. Accidents, damages, and losses can be financially devastating, but with the right insurance, you can enjoy peace of mind knowing that you are protected. This comprehensive coverage not only takes care of the repair costs for your bike but also covers any liabilities you might have towards third parties involved in an accident.

2. Roadside Assistance

One of the biggest nightmares for a vehicle owner is to be strangled on the road with no support incase of their vehicle breakdown. Having the right insurance helps you avail the benefit of 24*7 roadside assistance incase of a flat tire, battery issues, emergency fuel assist, lost key assistance, minor repairs etc. Whether it's a flat tire, battery issues, or any other breakdown, roadside assistance ensures you get timely help and support.

3. Personal Accident Cover

Bike insurance includes a personal accident cover that provides compensation in case of accidental injuries or death to the insured rider. This mandatory two-wheeler cover gives a protection of up to Rs. 15 Lakhs ensuring you or your family receive financial assistance during the challenging times. The policyholder can also choose to buy personal accident cover for co-passengers by paying an extra premium.

4. Natural & Man-Made Calamity Coverage

Bike insurance provides extensive coverage, not only protecting against accidents but also extending to damages caused by natural disasters like floods, earthquakes, and cyclones. With such comprehensive protection, you can have peace of mind even during unforeseen calamities. Moreover, it covers losses arising from man-made events like riots and vandalism, ensuring that you are financially secure in various challenging situations. This all-encompassing coverage gives you the confidence to hit the road with reassurance, knowing that your bike and finances are protected against a wide range of risks. With motorcycle insurance online, you can enjoy your rides without worrying about the uncertainties life may throw your way.

5. Third-Party Coverage

Third-party coverage, also known as ‘act-only’ insurance, is mandatory by law and ensures that you are protected against legal obligations, medical bills, repair of vehicle or any similar liabilities arising from injuries or damages caused to a third party due to an accident involving your bike. As per the Motor Vehicle Act 1988, not having an active third-party insurance can cause the registered owner of the vehicle serious penalties and fines.

6. Comply With The Law

Having valid bike insurance is not only crucial for your financial security but also a legal mandate in India. It serves as a safety net, protecting you from unexpected financial burdens in case of accidents or damages. Beyond the financial aspect, it is essential to comply with the law to avoid penalties. In case you do not have a policy, you will be fined or can be even imprisoned. Thus, it is very important that you have at least a third-party bike insurance to stay protected against legal repercussions.

7. Coverage Of Parts for Repair

Two-wheeler insurance is a valuable investment that provides coverage for repairing or replacing damaged bike parts. Get instant bike insurance online to avoid substantial out-of-pocket expenses that might otherwise be required for repairs. This financial protection ensures that you can get your bike back on the road without worrying about the financial burden of unexpected damages. With bike insurance in place, you can enjoy the freedom of riding while knowing that your bike is safeguarded against potential repairs costs.

8. Coverage For Theft

Bike theft is an unfortunate reality that many bike owners face, making bike insurance a crucial necessity. By opting for insurance, you can secure coverage against theft incidents. In the unfortunate event of your bike getting stolen, the insurance will provide you with compensation, reducing the financial impact of the loss.

9. Coverage For Accidental Injuries

In addition to the personal accident cover, insurance provides comprehensive protection by also including coverage for injuries sustained by the pillion rider in the event of an accident. This ensures that not only the policyholder but also their passenger is also protected financially in case of any unfortunate mishap. By having this extended coverage, bike insurance offers a more holistic approach, addressing the safety and well-being of both the rider and their pillion, making it a wise choice for responsible bike owners.

10. Add-on Covers

Add-on covers are a valuable feature in bike insurance that empowers policyholders to personalize their insurance policies based on individual needs. These optional extras go beyond the standard coverage, offering specialized protection and benefits that align with specific requirements. Whether it's adding coverage for accessories, zero depreciation, or roadside assistance, these add-ons allow you to enhance your policy to suit your unique needs. By opting for add-on covers, you can tailor your insurance plan to provide a more comprehensive and tailored level of protection for your bike and your peace of mind.

11. Easy No Claim Bonus (NCB) Transfer

Maintaining a claim-free record with your bike insurance entitles you to a No Claim Bonus (NCB), which offers the benefit of a discounted premium during policy renewal. This incentive encourages safe and responsible driving, rewarding policyholders for their cautious behavior on the road. Additionally, one of the advantages of NCB is its portability - you can easily transfer the accumulated NCB to a new insurer when switching insurance providers. This ensures that you can continue enjoying the benefits of your earned NCB and receive cost savings on your premium, regardless of the insurer you choose.

12. Cashless Garages

Bike insurance policies offer a valuable network of cashless garages, providing policyholders with a seamless repair experience. With the availability of cashless garages, it becomes easier for policyholders to get their two-wheeler repaired without spending anything from their pocket. The greater the number of cashless garages, the easier it becomes for policyholders to get their vehicle repaired. With the availability of cashless garages, bike insurance becomes a practical and beneficial choice, providing you with peace of mind and the assurance of prompt and efficient repairs when you need them most.

What is Covered Under Bike Insurance?

The coverage offered under a bike insurance plan may vary depending on the type of policy and the insurance provider, but generally, it can include the following components. Scroll through the section below to know all about the coverage offered under bike insurance plans:

  • Third-party liability coverage: This is a mandatory coverage in India as mandated by Motor Vehicles Act of 1988. A third-party bike insurance protects you against legal liabilities arising from injuries or property damage caused to third parties (other people or their property) due to an accident involving your bike.
  • Own-damage Coverage: Own-damage covers the damages to your bike caused by accidents, theft, fire, vandalism, natural disasters, etc. It is typically optional but recommended for comprehensive protection. The premium or bike insurance price of this type of cover is generally lower than the other types.
  • Personal Accident Cover: This component provides coverage for bodily injuries or accidental death sustained by the bike's owner or rider while using the insured motorcycle. It is mandatory to buy Personal Accident Cover to stay protected against unforeseen circumstances.
  • Theft coverage: This protects you against financial losses in case your bike is stolen and not found later.
  • Fire and Natural Disaster Coverage: This covers damages to your bike resulting from fire, lightning, earthquakes, floods, storms, etc. Thus, if there is any damage to your bike due to any natural disaster, then the relevant coverage will be offered under your plan.
  • Optional/add-on coverages: Insurance providers may offer additional optional coverages, also known as add-ons or riders, that can be purchased for enhanced protection. Some of the add-ons that you can include are zero depreciation cover, roadside assistance, engine protection, consumables cover, etc.

What is Not Covered Under Bike Insurance?

It is as important to check the exclusions of your bike insurance plan, as it its inclusions. Some of the exclusions in your bike insurance plan:

  • Regular wear and tear: Electrical breakdowns are often considered as part of regular maintenance and wear and tear, which are the responsibility of the vehicle owner. Thus, bike insurance typically does not cover damages resulting from regular wear and tear or mechanical breakdowns.
  • Consequential damages: Damages or losses that are a consequence of an event but are not directly caused by it may not be covered. For instance, if there is a mechanical failure during a natural disaster, and the policyholder still tries to start the bike, then such things will not be covered.
  • Intentional acts: If there is any damage to the bike intentionally, then the same will not be covered under a two-wheeler insurance policy.
  • Riding without a valid license: If there is any damage to the bike and the rider is found without a valid driving license, then the insurance company will not provide any coverage.
  • Driving under the influence of drugs: Any damage to the insured bike will not be covered if the rider is found driving under the influence of alcohol or drugs. This is because this indicates driver's irresponsibility, and thus there is no coverage offered in this case.
  • Involvement in Adventure Activities: Most policies exclude coverage for damages incurred while participating in racing, stunts, or any unauthorized activities.
  • Using the Bike for Commercial Purposes: If the bike is insured under a personal policy but is used for commercial purposes, any damages or accidents during such use may not be covered.
  • Depreciation: In case of claim settlements, the depreciation value of the bike and its parts may not be fully covered. However, if you have a zero depreciation cover, then this type of coverage amount will also be covered.
  • Nuclear Radiation and War-related Damages: Damages caused by nuclear radiation or acts of war are typically excluded in an insurance plan.
  • Non-compliance with policy terms: If the policyholder fails to comply with the terms and conditions of the policy, such as not disclosing relevant information or not paying premiums on time, the insurance company may deny coverage.

Two Wheeler Insurance Add-ons

To further enhance the coverage offered under your bike insurance policy, you can choose from the below bike add ons by paying additional premium.

Zero Depreciation Cover Bike insurance Add-ons

Zero Depreciation Cover Bike insurance

Popularly known as nil depreciation or bumper to bumper insurance, zero depreciation add on does not factor in the depreciation value at the time of claim and the insurer pays out the full amount.

Return To Invoice Cover Bike insurance Add-ons

Return To Invoice Cover Bike insurance

In case of total loss or theft of the bike, you can claim only up to the insured declared value of the bike. With return to invoice cover, you can claim for the full cost of the bike including road taxes and registration costs mentioned in the invoice.

NCB Protection Cover Bike insurance Add-ons

NCB Protection Cover Bike insurance

NCB is the discount offered to you on making no claim in one policy year. With no claim bonus protection add on, you can retain the NCB even after making the claim. NCB discount ranges from 20-50% for five consecutive claim free years.

Engine Protection Cover Bike insurance Add-ons

Engine Protection Cover Bike insurance

The standard bike insurance policy provides coverage for the damage incurred by your bike’s engine only during an accident but does not offer coverage for damage sustained by the engine due to water ingression or oil leakage. However, if you include engine protection cover in your policy, then, you become eligible to get coverage for the damages sustained by the engine of your bike due to water ingression and oil leakage as well.

Emergency Assistance Cover Bike insurance Add-ons

Emergency Assistance Cover Bike insurance

In case you are stuck on the highway and require quick assistance then with this add on, you get access to services such as on-site repair in case of minor damages, battery jump start, key assistance, etc. Few insurers also cover towing charges.

Consumables Cover Bike insurance Add-ons

Consumables Cover Bike insurance

A regular comprehensive policy does not provide coverage for the costs of consumables such as screw, break oil, engine oil, etc. A consumable add on provides coverage for such expenses at the time of claim.

Tyre Protection Cover Bike insurance Add-ons

Tyre Protection Cover Bike insurance

By default, a standard two-wheeler insurance plan does not cover damage caused to your bike tyres due to tyre burst, sidewall bulging, or flattening, etc. However, by opting for a tyre protection cover, you can get required coverage for the replacement cost of a damaged tyre which also includes the labour cost incurred for removing, refitting, and balancing the wheel. This add-on helps you save a good sum of money.

Factors to Consider While Buying Two Wheeler Insurance

Buying a new two wheeler insurance online can become a challenging task if you are not aware of the different things that can help you in buying it. To help you out, we have enumerated some of the factors that you need to keep in mind when buying a two-wheeler insurance plan:

  • Types of Bike Insurance

    When buying a new two wheeler insurance plan, it is very important that you know about its different types. On checking the different types such as comprehensive, third-party, and own-damage two-wheeler insurance plans, it becomes easier to understand the best-suited plan for yourself. You should also check the coverage along with the exclusions offered under the different types. This is because based on the coverage the premium will accordingly vary. For instance, the premium of a third-party bike insurance will be much less than a comprehensive bike insurance. A comprehensive plan on the other hand provides way more coverage than a third-party, hence its premium or bike insurance price will be higher.
  • Add-ons

    There are a number of add-ons available that you can include in your plan. The different add-ons that you can include in your plan are zero depreciation cover, no claim bonus cover, and so many more. However, remember that when you add these add-ons to your plan, the premium rate increases.
  • Cashless Garages

    Cashless garages are those where policyholders can get cashless repair facilities for their insured two-wheelers. When it comes to the cashless process, the availability of cashless garages becomes very important. Thus, while buying a plan, it becomes crucial to check whether the insurance company you are choosing has tie-ups with numerous cashless garages or not. The more the number of cashless garages, the easier it is to get your claims settled in a cashless manner, so always choose a company with a higher number of cashless garages.
  • Renewal Process

    Every two wheeler insurance plan comes with an expiry date. So, before choosing your insurer, you must be aware of the renewal process. You should choose an insurer that offers a hassle-free and quick renewal process. There are a number of insurance companies that also offer discounts when you renew your plan, so you should also check about the renewal discounts at the time of buying a two-wheeler insurance plan.
  • Two-wheeler Insurance Premium

    Checking the bike insurance premium or two wheeler insurance price is an important factor when you are buying an insurance. As the premium rates vary from one insurer to another, you must check the premium while buying the plan itself. You can use a bike insurance premium calculator to analyse the premium rates. Doing so will help you understand the premium you need to pay to get your chosen two wheeler insurance plan. Typically, the bike insurance premium of a comprehensive plan is higher as compared to other plans.
  • Customer Support

    On buying a two-wheeler insurance plan, you should also be aware of customer support. Ideally, you should choose an insurer that offers 24*7 customer support. By choosing an insurer that offers seamless customer service, you will be able to get all your queries resolved in a very hassle-free manner.
  • Claim Settlement Process

    Claim settlement in bike insurance refers to the insurer’s efficiency in settling the claims. The claims can be settled through either a cashless or reimbursement process. When you choose an insurer with a high claim settlement ratio, then your claims will be settled efficiently and in a hassle-free manner. So, always choose a company that has a higher claim settlement ratio.

How To Compare Bike Insurance Policies Online?

A bike insurance plan may look satisfying, however you should always check its inclusions and exclusions before actually buying it. So, here are some easy ways in which you can easily compare two wheeler insurance policies online:

1. Premium Break-up: First, ask for a premium break-up of your policy. A clear break-up will help you understand what exactly you are paying for.

2. Own Damage Premium: Own-damage bike insurance provides coverage if your bike is lost, stolen, or faces any other kind of damage. When you are checking the premium of own-damage, here are some of the things that you need to know about:

  • IDV: IDV or Insured Declared Value refers to the market value of your two-wheeler. The IDV is directly proportional to the bike insurance premium, hence the lower the IDV, the lower will be the premium.
  • NCB: NCB or No Claim Bonus is the benefit given to the policyholder if they do not raise any claim in a given year. If a policyholder has a NCB, then their bike insurance premium will be lower. However, it is important to renew your bike insurance plan on time to take advantage of NCB benefits
  • 3. Third-party Bike Insurance Premium: Third-party bike insurance provides coverage in case a third-party is damaged or injured. Typically, it provides a financial coverage of up to Rs. 1 lakh and unlimited coverage if the policyholder suffers death or disability during the accident.
  • 4. Personal Accident Premium: In bike insurance, it is mandatory to have a Personal Accident Cover. This type of cover is only meant for the policyholder and is not extendable. So, even if you own multiple vehicles, you will still need a single Personal Accident cover.

Add-on Premium: While comparing the bike insurance premium, also check for the add-on break-up. You need to be mindful whether the add-ons are mentioned in the current bike insurance premium break-up or not.

Why Should You Buy A Comprehensive Bike Insurance Policy?

Following are the reasons why you should buy a comprehensive two-wheeler insurance policy:

1.Cover for Third-Party Liability

A comprehensive bike insurance policy covers you for third-party liabilities.

2.Own Damage Cover

A comprehensive two wheeler insurance policy covers you for expenses arising due to damage or loss to your bike.

3.Cashless Repairs

You can avail of cashless repairs at any network garage across India with a comprehensive bike insurance policy.

4.Add-on Covers

Comprehensive two wheeler insurance policy comes with different add-on benefits like a return to invoice cover, consumables cover, zero depreciation cover, engine and gear protection cover, breakdown assistance cover, and zero depreciation cover. You can buy these add-ons by paying an extra premium at the time of policy purchase. These add-ons are not essential to buy but are preferred to enhance coverage.

5.No Claim Bonus

A bike insurance policy provides you with No-Claim Bonus for every year a claim is not made, between 20%-50%, for a consecutive 5 years.

Explore Two Wheeler Insurance

Here’s your guide to popular terminologies of bike insurance
  • Explore Bike Insurance Quotes

    Bike Insurance Quotes

  • Explore Bike Insurance Premium Calculator

    Bike Insurance Premium Calculator

  • Explore Bike Insurance Renewal

    Bike Insurance Renewal

  • Explore Comprehensive Bike Insurance

    Comprehensive Bike Insurance

  • Explore Third-Party Bike Insurance

    Third-Party Bike Insurance

  • Explore Zero Depreciation Bike Insurance

    Zero Depreciation Bike Insurance

  • Explore Bike Insurance Add-ons

    Bike Insurance Add-ons

  • Explore Bike Insurance Claim Settlement

    Bike Insurance Claim Settlement

  • Explore Bike Insurance Insured Declared Value (IDV)

    Bike Insurance Insured Declared Value (IDV)

  • Explore Own-Damage Bike Insurance

    Own-Damage Bike Insurance

  • Explore Cashless Garages

    Cashless Garages

Why Choose InsuranceDekho for Bike Insurance Online?

InsuranceDekho is a one-stop insurance platform that allows you to compare various bike insurance policies and select the best two wheeler insurance.
  •  Best Bike Insurance in Just 60 Seconds*
    Best Bike Insurance in Just 60 Seconds*

    We issue your bike insurance in just 60 Seconds with our simple, swift and paperless process.

  •  Over 50 Lakh Happy Customers
    Over 50 Lakh Happy Customers

    InsuranceDekho is a preferred choice of every insurance seeker. With our quick process, top-rated insurance plans, and committed customer care staff, we have managed to get the love and support of over 50 Lakh satisfied customers till now.

  •  7 Days Dedicated Customer Support
    7 Days Dedicated Customer Support

    We have a dedicated customer support team which is available at your service everyday. You can reach out to our support staff for any insurance related assistance be it related to policy purchase or claim settlement, we are always there to assist you.

Bike Insurance Premium Rates in India

The bike insurance premium or bike insurance price varies on a number of factors such as the age of the bike, its cubic capacity, and more. The premium rates of a third-party bike insurance plan are determined by IRDAI. So, here is a table that illustrates the premium rates of a third-party bike insurance plan based on the cubic capacity:

Engine Capacity (in CC)

Third-party Premium Insurance Rates

Third-party Bike Insurance for 5-years

Less than 75cc

Rs. 538

Rs. 2901


Rs. 714

Rs. 3851


Rs. 1366

Rs. 7365

More than 350cc

Rs. 2804

Rs. 15,117

How to Calculate Bike Insurance Premium?

Calculating two wheeler insurance premiums online is very easy with a premium calculator. It is a free tool that not only allows you to compute the premium of a bike insurance policy, as well as compare benefits. Though premium is not the sole factor on which you must choose an insurance policy, calculating it in advance allows you to manage funds for the future.

To calculate two wheeler insurance premium online, you must navigate to the bike insurance premium calculator page, provide important details like manufacturer, sum insured, make, model, variant, date of registration, product type, add-on covers, etc. and click on ‘View Quotes’. Quotes will be generated instantly.

Following are the benefits of using a two wheeler insurance premium calculator:

  • Helps you make the right buying decision
  • Allows you to customize your insurance policy and see the premium change
  • Makes it easier to compare different insurance plans online

Factors That Affect Bike Insurance Premium

In bike insurance, premium refers to the total amount that a policyholder needs to pay to get the relevant coverage. The two wheeler insurance premium is affected by a number of factors, such as those listed below:

  • Type of Coverage: In India, you have choices between third-party bike insurance, standalone own-damage insurance, and comprehensive bike insurance. While the premiums vary among these options, it's essential to note that a comprehensive policy offers more extensive coverage, although it might come with a higher premium. Opting for comprehensive coverage is recommended for its broader benefits. You should never buy a policy just because it is affordable but instead choose on the basis of the coverage.
  • Cubic Capacity: When an insurance company is giving insurance policy, it checks its cubic capacity in determing the insurance premium. The higher the cubic capacity of the bike, the higher will be the bike insurance premium.
  • Geographical Location: The geographical location of the bike affects the premium largely. In areas that are at a lower risk of risks and low-traffic, then the bike insurance premium in such case will be lower.
  • Type of Two-Wheeler & Its Price: The price of your two-wheeler like motorcycle or scooter directly impacts your insurance premium. Insurers consider factors such as the CC (cubic capacity), with higher-capacity engines leading to higher premiums. This reflects the potential risks associated with more powerful machines.
  • Modifications of Two-Wheeler: There are bike enthusiasts who often modify their bikes for enhanced aesthetics or performance. However, be aware that modifications can impact your premium. If you wish to cover these modifications, your premium will likely be higher. You should also inform the insurer about these modifications to avoid claim rejection.
  • Age of the Vehicle: The age of the vehicle indirectly affects the premium. This means that the older the vehicle, the lower the insurance premium will be.
  • Make and Model: Another factor that affects the premium is the make and model of your two wheeler insurance plan. For high-end two-wheelers, the bike insurance premium is higher. This is because the IDV for such high-end bikes will be higher and so will be the premium.
  • IDV: IDV or the Insured Declared Value in motorcycle insurance refers to the current market price of the bike. Since IDV is like the sum insured of the bike, it affects the insurance premium. It is important to note that the IDV is directly proportional to two wheeler insurance premium, and so the higher it is, the higher will be its premium.
  • Add-On Covers: Bike insurance add-on covers provide supplementary protection, but they come at an additional cost. While not mandatory, these covers, such as zero depreciation, return to invoice, and roadside assistance, enhance your overall coverage. The higher premium associated with add-ons reflects the extended benefits they offer.
  • Anti-Theft Devices: Installing ARAI-approved anti-theft devices on your bike not only safeguards your vehicle but also reduces the insurer's liability. As a result, you'll likely pay a lower premium. With these devices installed in your bike, you can eventually end up in paying lower two wheeler insurance premiums.
  • Voluntary Deductibles: Two types of excess, compulsory and voluntary, impact your premium. With compulsory excess, you pay a fixed percentage of repair costs, while voluntary excess allows customization during policy purchase. Opting for voluntary excess can reduce your premium since it signifies a lower potential claim payout for the insurer.
  • No Claim Bonus (NCB): Renewing your policy without making any claims results in a No Claim Bonus. This bonus, ranging from 20% to 50% over five years, significantly reduces your insurance premium. Maintaining a claims-free record can lead to substantial savings on your premiums.

​Tips to reduce bike insurance premium

There are a number of smart ways in which the premium of your motorbike insurance plan can be effectively reduced. To help you out, we have also enlisted some of the best ways in which you can reduce premium:

  • NCB

  • No Claim Bonus or NCB in two-wheeler insurance refers to the discounts given to the policyholder if they do not raise a claim in a given year. So, try to keep your No Claim Bonus benefit intact to save on your bike insurance premium. With No Claim Bonus, you can get a discount of up to 50% on your two-wheeler insurance premium.

  • Avoid Raising Small Claims

  • To keep your NCB intact, you should avoid raising small bike insurance claims. For instance, if there is a minor damage to your bike, then do not file for a claim. In such a case and instead spend the required amount from your own pocket. This will help you in saving insurance premium.

  • Opt For Higher Deductibles

  • Another way in which you can reduce two-wheeler insurance premiums is to opt for a higher deductible. With a higher voluntary deductible in your plan, the coverage premium will be lowered. The premium in such cases will be lower because the liability of the insurer in such cases will be lower.

  • Install Anti-theft Devices

  • By installing safety devices like an anti-lock system, anti-theft device, and more, the bike will be at a lower risk of getting stolen or lost. Thus, with reduced risks, the insurer will be at a reduced liability. Thus, all of this contributes towards lowering the insurance premium.

  • Check Insurance Premium Before Buying

  • You should also check the premium before buying it. Doing it right at the time of buying helps in analysing the insurance premium and accordingly customising the policy on the basis of your budget.

  • Avoid Modifications

  • Doing unnecessary modifications in your bike such as changing its colour, and more alters the insurance premium. The bike insurance premium in this case goes up because the Insured Declared Value or IDV gets affected in this case and generally goes up.

  • Choose the Right Coverage

  • When you are buying an insurance policy, it is very important to decide the adequate coverage you require. If you fail to identify what is coverage you need for your two wheeler insurance policy, you may not just end up buying an incorrect insurance policy but also pay an extra premium amount. So, be wise while you are choosing your two-wheeler insurance coverage.

  • Renew Insurance On Time

  • Your vehicle insurance should be renewed on time so that you do not pay extra money in case of a lapsed policy. If you renew your motorbike insurance policy on time, then there are many insurers who offer discounts. So, save on your insurance premium by renewing your policy on time.

How To Buy Bike Insurance Online?

With InsuranceDekho, you can buy motorcycle / scooter insurance very easily and quickly. You can follow the below-mentioned steps to buy the best two wheeler insurance online.

  •  Enter Your Bike DetailsStep 1
    Enter Your Bike Details

    Fill up your two wheeler details like make, model, fuel type, etc., to find the top bike insurance policy quotes offered by different insurance companies based on your specifications.

  •  Compare Bike Insurance Policy QuotesStep 2
    Compare Bike Insurance Policy Quotes

    From all the available plan options, pick the policy which meets your requirements and budgets in the best possible manner.

  •  Pay for the Policy Online
    Pay for the Policy Online

    Pay the premium price of the chosen two wheeler insurance policy online. After paying the premium, you will instantly receive your motorbike insurance document in your email inbox.

KYC Documents Required to Buy Bike Insurance Online

KYC or what is known as the Know Your Customer process is where the customer validates their information by submitting several documents. These documents are required to be submitted during the time of issuance of the policy.

Some of the documents required to buy a bike insurance policy online are:

1. Identity Proof - Aadhaar card, Voter ID card, Driving license, PAN card, Passport, Ration card

2. Address Proof - Rental agreement paper, Voter ID, Electricity bills, Bank account statement, Phone/gas bills, Passport

How to Claim Bike Insurance?

Types of two-wheeler insurance claim

Cashless bike insurance claim: In case if you are getting the bike repaired at a network garage of the insurance company, then you can choose to file a cashless claim. Under this type of claim, the repair bills are directly settled by the insurance company.

Reimbursement bike insurance claim: This type of claim can be registered in case the repair work is being done at a non network garage. At first, you will have to pay for the repair expenses which will be later reimbursed by the insurance company.

Cashless claims settlement process:

  • Inform the insurance company as soon as possible
  • File an FIR if required
  • Surveyor will be hired by the insurance company to estimate the damages
  • Fill the claim form and submit the required documents
  • Once the insurer approves the amount, the vehicle will be sent at the nearest garage for repair work
  • Once the repair work is done, the insurance company will settle the bill with the garage
  • You will have to pay the deductible and other charges if any as per the policy terms and conditions

Reimbursement claims process

  • Inform the insurance company as soon as possible
  • File an FIR if required
  • Surveyor will be hired by the insurance company to estimate the damages
  • Fill the claim form and submit the required documents
  • Pay for the repair costs and collect all the bills
  • Submit the bills to the insurance company which will then settle the claim based on the policy terms and conditions.

Documents Required for Filing a Bike Insurance Claim

Following are the documents required to file a bike insurance claim:

  • Driving license
  • Identity proof
  • Address proof
  • Bike registration certificate
  • Bike insurance policy
  • Original keys of the bike
  • FIR report
  • Original repair bills and payment receipts in case of reimbursement claim

How to Find the Cheapest Bike Insurance?

Finding the cheapest bike insurance that also offers adequate coverage isn’t merely about finding the most budget-friendly option. It involves securing a policy that meets your needs while providing essential protections. Here’s a guide to help you navigate this process efficiently:

1. Understanding Your Coverage Needs:

- Basic Third-Party Liability Insurance: Mandated by law, it covers damages to third-party property or injury.

- Comprehensive Insurance: Provides broader protection, covering both third-party liabilities and damages to your own bike.

2. Online Comparisons:

- Utilise Online Platforms: Use online comparison tools available on various platforms to compare policies based on premiums, coverage, and customer reviews.

- Get Multiple Quotes: Obtain quotes from multiple insurance providers to get a clear picture of the market offerings.

3. Consider the Bike’s Specifications:

- Engine Capacity: Bikes with higher engine capacities usually command higher premiums.

- Model and Make: Premium brands or models may attract higher premiums due to higher repair costs.

4. Maximise No Claim Bonus (NCB):

- Maintain a Clean Record: Safeguard your NCB by avoiding small claims.

- Transfer NCB: When switching insurers or buying a new bike, transfer your NCB.

5. Optimise Deductibles:

- Increase Voluntary Deductibles: Opting for higher voluntary deductibles can lower your premium.

- Balance Deductibles and Premium: Find a balance where the deductible is affordable, and the premium is low.

6. Explore Add-Ons Wisely:

- Choose Relevant Add-Ons: Select only those add-ons that are essential for your coverage needs.

- Avoid Overloading the Policy: Too many add-ons will increase the premium.

7. Look for Discounts and Offers:

- Membership Discounts: Members of recognised automotive associations may receive discounts.

- Security Devices: Installing ARAI-approved security devices might make you eligible for discounts.

8. Review and Renew Timely:

- Avoid Lapsing: Ensure your policy doesn’t lapse to avoid higher premiums during renewal.

- Review Requirements: Regularly review your coverage requirements and make necessary adjustments.

9. Direct Purchase from Insurers:

- Avoiding Middlemen: Purchasing directly from the insurer’s website can eliminate middlemen commissions, potentially lowering premiums.

10. Consider Long-Term Policies:

- Avoid Annual Renewals: A long-term policy can offer cost savings and avoid the hassle of annual renewals.

Finding the cheapest two wheeler insurance is about understanding your needs, researching the market, and making informed decisions. Ensure that the policy you choose is not just economical but also offers comprehensive protection to meet your biking needs. It’s always advisable to balance between the cost and the coverage to ensure you’re well-protected while not overspending.

Top Bike Insurance Policies in India 2024

Here’s the list of the best motorbike insurance companies as per the claim settlement ratio (CSR) registered by them with IBAI in the financial year 2019-2020.

RankCompaniesNetwork GaragesClaim Settlement Ratio
1Bajaj Allianz General Insurance4,000+88.83% in FY20
2Bharti Axa General Insurance5,200+87.99% in FY20
3Hdfc Ergo General Insurance6,800+91.23% in FY20
4Icici Lombard General Insurance8,800+87.71% in FY20
5Iffco Tokio General Insurance4,300+95.30% in FY20
6Kotak General Insurance1,300+82.81% in FY20
7National General Insurance3,100+85.71% in FY20
8New India General Insurance3,000+89.60% in FY20
9Reliance General Insurance6,200+84.26% in FY20
10Sbi General Insurance16,000+89.51% in FY20
11United India General Insurance3,100+82.93% in FY20
12Universal Sompo General Insurance3,500+90.78% in FY20
Top Bike Insurance Policies

How to Compare Bike Insurance Quotes Online At InsuranceDekho?

Comparing two-wheeler insurance quotes online at InsuranceDekho is just a matter of a few seconds. And it is certain that comparing plans will help you find the best bike insurance policy at the best premium. To compare the plans online, all you need to do is fill a quote at InsuranceDekho by entering the required details such as make, model, variant, fuel type, year of manufacturing, etc. You will get the most suitable online two wheeler insurance quotes on your screen, which you can compare in terms of features and benefits and shortlist the one that suits your budget and other requirements.

Moreover, to compare bike insurance, you need to keep the below-mentioned things in your mind:

  • Check the inclusions and exclusions offered under your two wheeler insurance plan. You should also check the terms and conditions of the insurer.
  • You must check the availability of add-ons. The more add-ons, the more coverage you will get under your insurance plan, however, the premium will vary.
  • Another thing that you need to keep in mind while comparing two wheeler insurance plans is the claim process. It is important to choose an insurer that offers a hassle-free claim process.
  • You should also compare the cashless garages while buying an insurance plan. You should choose a company that has more number of cashless garages.

Important Terms To Know in Bike Insurance

Here are some of the terms that you should know about in bike insurance:

Insured Declared Value (IDV)

IDV represents the current market value of the insured vehicle. It is calculated based on the manufacturer's listed selling price and the depreciation rate of the vehicle. Over time, a vehicle's value depreciates due to wear and tear, age, and other factors, which leads to a decrease in its market value.

For instance, when you buy a bike or a car, its initial market value is considered as the IDV. However, as the vehicle ages, its IDV reduces year by year due to depreciation. As a result, the insurance company will offer a lower claim amount if your vehicle is stolen or deemed a total loss in an accident.

It is crucial to set the IDV at a reasonable value while purchasing insurance. A higher IDV might seem beneficial as it promises a higher claim amount in case of total loss, but it also leads to a higher premium. Conversely, setting a very low IDV may result in inadequate coverage and compensation during a claim.

Insurance companies usually provide a predefined percentage of depreciation for various vehicle parts based on their age. Therefore, it is essential to understand the IDV calculation method and choose the appropriate value that offers adequate coverage for your vehicle while ensuring a reasonable premium. Regularly re-evaluating the IDV while renewing the policy is advisable to ensure the coverage remains appropriate as the vehicle depreciates over time.

How IDV works:

1. Calculation: The insurance company calculates the IDV based on the current market value of the insured vehicle. It is arrived at by considering the manufacturer's listed selling price of the vehicle and adjusting it for depreciation based on the vehicle's age and condition.

2. Depreciation: As a vehicle ages, its value decreases due to wear and tear and other factors. The IDV takes this depreciation into account, and the value is lower for older vehicles compared to newer ones.

3. Insurance Premium: The IDV has a direct impact on the insurance premium amount. Generally, the higher the IDV, the higher the premium, and vice versa. It is because a higher IDV implies a greater coverage amount and a higher potential payout for the insurance company in case of a total loss or theft.

4. Claim Settlement: In the event of a total loss or theft of the insured vehicle, the insurance company will settle the claim based on the IDV. The policyholder will be reimbursed up to the IDV amount, minus any applicable deductibles or policy exclusions.

5. Importance of Accurate IDV: It is crucial for the policyholder to ensure that the IDV mentioned in the policy accurately reflects the vehicle's current market value. If the IDV is set too low, the policyholder might not receive adequate compensation in case of a claim. On the other hand, an excessively high IDV might lead to higher insurance premiums than necessary.

6. Annual Depreciation: The IDV of a vehicle decreases each year at the time of policy renewal due to depreciation. Insurance companies follow a standard depreciation schedule based on the vehicle's age. However, some insurers offer a special IDV protection add-on, which maintains a higher IDV even after the vehicle ages, ensuring better compensation during claims.

It's important for vehicle owners to review and understand the IDV specified in their motor insurance policy. If the IDV seems inaccurate or insufficient, they should discuss it with their insurance provider to ensure they have appropriate coverage in case of an unfortunate event. Regularly updating the IDV to reflect the vehicle's current market value helps in getting the most out of the insurance policy and ensures adequate protection for the insured vehicle.

No Claim Bonus (NCB)

No Claim Bonus (NCB) is a discount offered by insurance companies to policyholders who have not made any claims during the policy term. It serves as a reward for safe and responsible driving, encouraging policyholders to maintain a claim-free record.

How No Claim Bonus works:

1. Claim-Free Period: When a policyholder does not make any claims against their insurance policy during a specific policy period (usually one year), they become eligible for No Claim Bonus.

2. Bonus Accumulation: With each claim-free year, the policyholder accumulates a No Claim Bonus. The bonus amount increases progressively for each consecutive year of claim-free driving.

3. Percentage-Based: The No Claim Bonus is calculated as a percentage of the own damage premium component of the insurance policy. The exact percentage varies between insurance companies but typically starts at 20% for the first claim-free year and can go up to 50% or even more for several consecutive claim-free years.

4. Transfer and Retention: No Claim Bonus is usually transferable when the policyholder switches to a different insurer. If they decide to change their vehicle, they can also transfer the accumulated NCB to the new vehicle's insurance policy. In some cases, policyholders can also retain a portion of the NCB even after making a claim (known as the NCB retention benefit).

5. Impact on Premium: No Claim Bonus can significantly reduce the insurance premium amount. The more NCB a policyholder has accumulated, the greater the discount on their premium for the next policy term.

6. NCB Protector: Some insurance companies offer an optional NCB protector add-on. With this add-on, policyholders can safeguard their NCB even if they make a claim during the policy term. This ensures that they retain their accumulated NCB discount despite an occasional claim.

Zero Depreciation

Zero Depreciation, also known as Nil Depreciation or Bumper-to-Bumper insurance, is an add-on cover offered by insurance companies for motor insurance. It provides comprehensive coverage to policyholders by waiving off the depreciation on certain parts of the insured vehicle during the claim settlement process.

How Zero Depreciation works:

1. Depreciation: When a vehicle gets damaged or requires repairs, the value of its parts decreases due to wear and tear over time. This reduction in the value of parts is known as depreciation. During the claim settlement process, the insurance company considers this depreciation while calculating the claim amount.

2. Zero Depreciation Add-On: By opting for the Zero Depreciation add-on, the policyholder can avail themselves of a significant benefit. It ensures that the insurance company does not factor in the depreciation of certain vehicle parts during a claim. As a result, the policyholder receives a higher claim amount compared to a regular insurance policy.

3. Coverage: Zero Depreciation typically covers the depreciation on parts made of fiber, rubber, plastic, and glass. These parts are more prone to wear and tear and their value diminishes rapidly over time. With Zero Depreciation, the policyholder can claim the full cost of replacing such parts without any deduction for depreciation.

4. Limitations: It's important to note that Zero Depreciation does not cover the depreciation of metallic parts and other components not listed under the policy. The coverage is usually limited to a specific number of claims during the policy term, and some insurers might have restrictions on the age of the vehicle to be eligible for this add-on.

5. Higher Premium: Since Zero Depreciation offers more comprehensive coverage and higher claim benefits, the premium for policies with this add-on is higher compared to regular insurance policies.

Zero Depreciation is highly recommended, especially for new vehicles and vehicles with expensive parts, as it provides greater financial protection in case of an accident or damage. It ensures that the policyholder can get their vehicle repaired with minimal out-of-pocket expenses, making it a popular choice among vehicle owners who prioritize comprehensive coverage and peace of mind. However, policyholders should always review the terms and conditions of the Zero Depreciation add-on with their insurance provider to understand its scope and limitations fully.


With context to two-wheeler insurance, a deductible refers to the amount that the policyholder is responsible for paying out of their pocket before the insurance company settles the remaining claim amount. It is a standard feature in various types of motor insurance policies, including comprehensive car insurance and own damage cover.

How a deductible works:

1. Incident Occurs: If the insured vehicle is involved in an accident, sustains damage, or experiences a covered event like theft or vandalism, the policyholder can file a claim with their insurance company.

2. Claim Evaluation: Upon filing the claim, the insurance company assesses the extent of damage, the cost of repairs, or the value of the loss incurred. The claim evaluation process helps determine the total claim amount.

3. Deductible Deduction: Once the claim evaluation is complete, the insurance company deducts the pre-determined deductible amount from the total claim amount. The deductible is a specific sum chosen by the policyholder at the time of purchasing the motor insurance policy.

4. Policyholder's Contribution: The policyholder is responsible for paying the deductible amount from their own funds. This payment is made to the repair facility or the party involved in providing the necessary services (e.g., repair workshop) before the insurance company proceeds with the claim settlement.

5. Insurance Company's Payment: After the policyholder pays the deductible, the insurance company covers the remaining portion of the claim up to the policy's coverage limit. The coverage limit is the maximum amount the insurance company will pay for a claim.

For example, suppose the total claim amount is INR 50,000, and the deductible chosen by the policyholder is INR 5,000. In that case, the policyholder will pay INR 5,000, and the insurance company will cover the remaining INR 45,000.

Advantages of Deductibles in Motor Insurance in India:

- Cost Control: Deductibles allow policyholders to have some control over their motor insurance costs. By selecting a higher deductible, they can often lower their insurance premiums. Conversely, a lower deductible results in higher premiums.

- Discouraging Small Claims: Deductibles encourage policyholders to avoid filing small claims. For minor damages, it might be more cost-effective for the policyholder to pay for the repairs themselves rather than involving the insurance company.

- Reducing Moral Hazard: A deductible reduces the risk of moral hazard, where the policyholder might act recklessly or negligently since the insurance company would cover all costs. Knowing they have to pay a portion of the claim amount themselves may encourage more responsible driving.

Find Right Bike Insurance Quotes by Body Type

  • Scooter
  • Sport
  • Cruiser
  • Street

FAQs on Two Wheeler Insurance Policy

  • 1

    What is a two wheeler insurance policy?

    A two wheeler insurance policy is an agreement between an insurance company and a bike owner wherein the insurance provider promises to cover any damage or loss sustained by the insured bike due to an accident, theft, fire, etc., based on the opted policy. Generally, the contract between insured and insurer is of a year which should be renewed every year.

  • 2

    Why should I purchase a two wheeler insurance policy?

    No matter which bike you own, you need to comply with some laws to ride it. To carry a bike insurance policy is the most important rule to drive a motorcycle / scooter as you need to adhere to the legal requirement of carrying at least a third party cover. Besides this, a policy also covers your financial liabilities which you may incur towards a third party or own damages sustained by your bike due to an accident or any unfortunate incident.

  • 3

    What are the different types of bike insurance plan?

    There are three types of two wheeler insurance plans such as third party two wheeler plan, standalone own damage, and comprehensive insurance plan.

  • 4

    What is the premium of different two wheeler plans?

    The cost of the premium for different bike insurance plans are different. When it comes to the third party policy, its premium is set by the IRDAI which varies as per the bike’s engine capacity. But, the premium amount for own-damage and comprehensive plans varies from bike to bike due to various factors like bike’s make, model, and variant, engine capacity, fuel type, etc.

  • 5

    What if my bike insurance policy gets expired?

    Every two-wheeler insurance policy has a date of expiry before which you should renew it to continue to avail it. However, if you fail to renew the policy on time, you still can renew it within the 90 days grace period from the expiry date. However, bike insurance renewal process is not possible after this period. As a result, you will have to buy a new insurance policy in that case.

View More Questions

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