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Best Bike Insurance Plans
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How to buy bike insurance online?

  • Step 1
    Fill in your Bike Details

    Just key in details about your bike like make, model, etc, to get top insurance quotes instantly

  • Step 2
    Compare Quotes and Choose a Plan

    Select from numerous quotes the one that suits your budget and needs the best

  • Step 3
    Make Payment and sit back

    Pay online and get your policy right away

Add-ons For Your Two-wheeler Insurance Policy

  • Zero Depreciation
    Zero Depreciation

    A zero depreciation add-on literally protects you against the depreciation of your two-wheeler’s value. With this cover, you can rest assure that you’ll be paid the entire claim amount without deducting the depreciation sum. It also covers rubber, plastic and fiber components.

  • Personal Accident Cover
    Personal Accident Cover

    This insurance add-on cover provides protection against the risk of partial or complete disability and death. It provides you financial assistance in case of a serious injury or death of the rider following an accident.

  • Invoice Protection
    Invoice Protection

    This add-on is of great benefit in case of total loss. With this cover, you can claim the total ex-showroom price of your bike, taxes and registration charges that you had initially paid

  • Roadside Assistance
    Roadside Assistance

    Stranded in a deserted place with no help to call for? A roadside assistance add-on provides you prompt repair services and much-needed assistance in such situations

Popular Bike Insurance Companies

  • Bharti AXA Insurance
    Bharti AXA
  • Bajaj Allianz Insurance
    Bajaj Allianz
  • HDFC ERGO Insurance
    HDFC ERGO
  • Digit Insurance
    Digit
  • Reliance General Insurance
    Reliance
  • TATA AIG Insurance
    TATA AIG
  • IFFCO Tokio Insurance
    IFFCO Tokio
  • Universal Sompo Insurance
    Universal Sompo

Benefits of InsuranceDekho

Understand your options. Identify the best value. Enjoy peace of mind
  • 5 Minutes Policy Issuance
    5 Minutes Policy Issuance

    Why spend hours and days in queues filling up the paperwork for your policy. The entire process from entering your car details to finalising your policy and getting it issued takes only 5 minutes on InsuranceDekho.

  • Over 3 Lakh Policies Sold
    Over 3 Lakh Policies Sold

    A transparent and quick process, choice of numerous insurers, along with a dedicated team of experts make InsuranceDekho a trusted choice for many insurance buyers. More than 2 lakh happy customers are a testament to the same.

  • Dedicated Support Team
    Dedicated Support Team

    Feel free to reach out to our dedicated team of experts, in case of any confusion. Be it buying your insurance policy, or support required incase of claim, our team of experts is at your service 7 days a week.

Find Right Bikes By Body Type

  • Scooter
  • Sport
  • Cruiser
  • Commuter

Customer's Speak

Why did they insure their car with InsuranceDekho
  • Thank you for your support and timely follow up.
    Beat, Ganjam17th September, 2019
  • Your sales team is good and knowledgeable.
    Bajaj Discover 100, Navsari16th September, 2019
  • Good experience, very easy to get one's vehicle insured online.
    Shine, Gaya14th September, 2019
  • The team is cooperative and the services offered are good and also the premium amount is reasonable.
    TVS Jupiter, Hisar13th September, 2019
  • InsuranceDekho is just awesome. You saved 50% of my insurance premium.
    Bajaj Discover 135, Chennai13th September, 2019
  • Thank you to your executive Shefali. It was very easy to select and compare insurance policies here.
    Maruti A Star, Nagpur13th September, 2019
  • Aditya Jaiswal is great sales man. He helped me with his good skills.
    i10, Pune13th September, 2019
  • It was a great experience with InsuranceDekho. The agent Manisha Punia provided end to end support throughout for the policy. I would surely recommend InsuranceDekho to others. Cheers 👍
    Honda Dio, Jaipur13th September, 2019
  • Good service, good support, good team as well as good communication.
    Royal Enfield Royal Enfield Classic 350, Pali12th September, 2019
  • Customer can easily do their insurance here. The portal is very comfortable with ease of access.
    TVS Jupiter, Bangalore12th September, 2019

What is Bike Insurance?

A bike insurance plan provides you financial cover in the event of an accident, theft, fire, flood, vandalism and other such scenarios. Accidents are unprecedented and vehicle repairs and treatment for injuries can be expensive. There is considerable risk of losing money if your bike is totalled or stolen as well. You may also be liable to pay for repair costs in case you damage someone else’s vehicle or, worse, cause injuries/fatalities during an accident.It is important to note that having a third party insurance is an absolute must to ride your bike on Indian roads. Insurance is classified into Comprensive and Third Party Insurance

Comprehensive Bike Insurance
Comprehensive Bike Insurance

Comprehensive insurance provides coverage for your vehicle as well as third party and is thus more valuable. It covers damages caused due to natural calamities like fire, flood, earthquake and other disasters. It also makes up for the losses caused due to theft, robbery and other man-made disasters. Sometimes, damages are incurred while the automobiles are in transit by rail, road, air, waterway and so on so forth. Such damages are covered when you have a comprehensive insurance in hand.

Third Party Bike Liability Insurance
Third Party Bike Liability Insurance

This type of insurance is mandatory though it doesn’t cover any damages to the insured two-wheeler or its rider. Also known as liability-only insurance, this covers only the insurer’s liability for damage caused to other vehicles or properties. This can include death, injuries or damage to a third party.

Bike Insurance FAQs

  • 1

    How is a two-wheeler insurance premium calculated?

    Two-wheeler insurance is primarily of two types - third party and comprehensive. The premium for the former is decided by IRDAI (Insurance Regulatory and Development Authority of India) and is calculated on the basis of the two-wheeler’s engine capacity (CC). In a comprehensive two-wheeler insurance policy, the insurance provider takes many other factors like the two-wheeler’s make, model and variant, age of the bike, and RTO location into consideration while calculating a two-wheeler’s insurance premium.

  • 2

    Is two-wheeler insurance compulsory to ride a bike in India?

    Yes, there are no two ways about it! According to the Indian Motor Vehicles Act, 1988, it is mandatory for all vehicles plying on Indian roads to have a liability cover. Third-party injuries or damages will be payable by the insurance company in case of a genuine claim, in compliance with the terms and conditions of the insurance company.

  • 3

    What are the most popular add-on covers for two wheeler insurance?

    Add-ons are available to maximise coverage and broaden the scope of protection. In a bike policy, you can choose from a vast selection of add-ons ranging from zero depreciation, NCB protection cover, return to invoice, rider personal accident cover, consumables cover, roadside assistance cover and driver cover.

  • 4

    What are the various types of Bike insurance policies available?

    Typically, there are two types of Bike insurances policies to choose from – a third party liability policy and a comprehensive insurance policy.

  • 5

    How long is a bike insurance policy valid for?

    Traditionally, a two-wheeler insurance policy is valid for a year from the date of issuance. However, if you have opted for a multi-year or a long-term bike policy, the tenure extends.

  • 6

    When should you renew your bike insurance policy?

    Bike insurance policy renewal is a process that depends on the selected tenure. To avoid unnecessary troubles, you must renew your policy before it expires.

  • 7

    How to proceed with a bike insurance claim?

    Call your insurance company and inform about your claim. You can either choose for a cashless claim settlement option or settle for reimbursements post a claim.

Latest News Articles

*Terms and conditions apply. Offer available on select models/makes only. Girnar Insurance Brokers Private Limited, 4th Floor, Tower B, Emaar Digital Greens, Golf Course Extension Road, Sector-61, Gurugram-122012, Haryana.IRDAI License no 588, helpline no 7551196989. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.