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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.

How to buy bike insurance online?

  • detailsarrow
    Fill in your Bike’s Details

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

  • detailsarrow
    Compare Quotes and Choose a Plan

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

  • details
    Make Payment and sit back

    Pay online and get your policy right away

Customer's Speak

Why did they insure their car with InsuranceDekho
  • Great support from amratansh dubey i will remember his assistance only reason i am buying this from insurancedekho is amratansh dubey
    Hero HF Deluxe, Jaipur
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    Chevrolet Beat, Chandigarh
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    RediGO, Ranchi
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    Hyundai Creta, Hubli
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  • Regular Followup by the team, Best Price quotes and User-Friendly Experience of site.
    Tigor, Jaipur
  • Excellent service by your team and your executive experience is superb nice follow up
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    Toyota Etios Liva 2014-2016, Jaipur
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    Indica Vista, Nagpur
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    Indigo CS, Nashik
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    Hyundai Xcent, Barasat
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    Omni, Bangalore
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    Hero Xtreme, New Delhi
    Vespa LX 125, Belgaum
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    Bajaj Pulsar 150, Rewari
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    Datsun redi-GO, Pondicherry
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    Maruti Zen Estilo, New Delhi
  • Excellent service lightening fast.My Insurance of bike was really very fast.
    Hero Pleasure, New Delhi
  • Ankit is very supoortaive agent, he helped me very well. He gave me the knowledge of insurance very properly, make me understood all the things. I am so glad that your company have such kind of agent. I am so satisfied with your service. Thank You Insurancedekho.
    Wagon R, Jaipur
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    Hero Maestro Edge, Amloh
  • very Supportive and Good Guidance by Joginder Singh to choosing the right insurer. policy copy also received same time. Excellent job Joginder I really Appreciate. You best of Luck for you and your Company
    KWID, amreli
  • Good service provided by the executive , and policy was available at my mail instantly
    Lodgy, New Delhi
  • very good service by shravan mehta. He explained the entire plan and helped me purchase the policy even in odd hours
    Tigor, Suryapet
  • Best Service Given By Ms. Ruby She is very helpful and creative. I'm very impressed with Ms. Ruby Thank U So Much
    Etios, Noida
  • This is a very good experience with easy to purchase policy
    Royal Enfield Classic 350, Jabalpur
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    Bajaj Discover 125 M, Ghaziabad
  • Customer representative is good and impressive. Able to convince client
    i20 Active, Darbhanga
  • One of the best Insurance agent of Extremely helpful and supportive.
    Bajaj Pulsar 180, rampur
  • After few hiccups able to made the payment. Everything else was smooth.. and associate helped me in the odd hours.
    Hyundai Santro Xing, Kanpur
    Santro Xing, Faridabad
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    Indica V2, Indore
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    Indica V2, Indore
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    Hero Glamour, Ranga reddy
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    Xcent 2016-2017, Bhiwani
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    Honda CB Unicorn 150, Madurai
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    Grand i10, Ambala
  • Very Good Followup by Mohd Suhail and policy copy received Same Time Excellent Mohd Suhail I Really Appericate You
    Alto 800, Bangalore
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    Honda Activa 125, Sabarkantha
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    i20, Noida
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    Tigor, Aurangabad
  • Very nice and detailed information shared by executive
    Toyota Innova, Pen
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    Hyundai Xcent, Meerut
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    i10, New Delhi
  • Balgovind chauhan has deep knowledge in related,insurance.I am very much satisfied to talk with them. I appreciate the fast action of insure team.thanks you all
    Wagon R, begusarai
  • Superb! supporting Mohd Suhail and excllent experience
    Celerio 2014-2017, panvel
  • Very good experience with Ankit Kumar. agent is very supported
    Hero HF Deluxe, Muzaffarnagar
  • Satisfied, Excellent experience, thank you
    Honda Activa 125, New Delhi
  • Very good experience with Ankit Kumar. I liked the services, his follow-up is soo good and helped me in renewing the policy and expalianed all the details breifly thanku
    Honda Activa 4G, Allahabad
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    Hyundai Getz, Mumbai
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    Omni, Bhilwara

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

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 2 Lakh Policies Sold
    Over 2 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.

Popular Bike Insurance Companies

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  • Digit Insurance
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  • Universal Sompo Insurance
  • 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.

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*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.