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IFFCO Tokio Comprehensive Two-Wheeler Insurance Policy

A bike is a precious asset for a person. It helps them to commute easily from one place to another. A person plans and spends a significant part of their saving on purchasing a bike. A comprehensive two-wheeler insurance policy provided by IFFCO Tokio makes sure that your bike stays insured against damage. It acts as a financial and legal support for the policyholder. It provides complete coverage in an unfortunate event of an accident to the owner as well as the third party that suffered damage due to the insured’s vehicle. The IFFCO Tokio Comprehensive Two-wheeler Insurance Policy is designed in such a way that it also protects the owner from financial disability. It covers against loss, theft, accidental damages as well as natural calamities.

IFFCO Tokio Comprehensive Bike Insurance vs Third Party Bike Insurance


Comprehensive Two-Wheeler Insurance

Third Party Two-Wheeler Insurance


It provides coverage for damages incurred by both the insured’s bike as well as third parties. The coverage is quite extensive.

It only provides coverage for damage caused to third parties. The coverage is narrow in comparison to comprehensive.


Policyholder can enjoy extra benefits by opting for add-ons like zero depreciation cover, roadside assistance, etc with this cover.

No add-on can be availed with this plan.

Premium amount

The policyholder needs to pay comparatively more premium.

The policyholders have to pay less premium in comparison.

What All Is Covered Under IFFCO Tokio Comprehensive Bike Insurance Plan?

IFFCO Tokio bike insurance policy provides a wide coverage to keep the bike owner insured under a numerous instances that can cause loss or damage. Under comprehensive insurance policy coverage for both ‘Own Damage’ and ‘Third party’ is provided. It provides the following coverage to policyholders:

  • Coverage Against Natural Calamities - Under comprehensive insurance policy IFFCO Tokio protects against the loss occurred to the insured’s vehicle due to natural disasters such as flood, earthquake, hurricanes, tsunami etc.
  • Coverage Against Man-made Disasters - The comprehensive insurance policy provides compensation against the loss occurred by man-made calamities such as theft, riots, burglary, and many such instances.
  • Third Party Liability Coverage - The policy covers all the financial as well as legal liabilities that can arise due to damage or loss caused to the life and/or property of third party.
  • Personal Accident Cover - The policyholders have an option to take personal accident cover where they can get compensation against the damages caused during an accident. This coverage is optional to opt for with the bike insurance plan.

What All Is Not Included Under IFFCO Tokio Comprehensive Bike Insurance?

IFFCO Tokio will not provide any coverage under the plan in the following scenarios:

  • In the situation of conflict or war
  • The vehicle was driven without a valid license
  • The damage occurred under a contractual agreement
  • If the bike was not operated by acknowledged or described
  • The accident has taken place due to the impact of intoxicating drugs or liquor
  • No other claim shall be compensated for any harm to tyres or tubes unless the insured vehicle is also damaged in the same incident
  • The loss or damage of the insured’s bike has happened beyond the geographic region as described in the policy coverage documents.

IFFCO Tokio Comprehensive Bike Insurance Benefits

A comprehensive two-wheeler insurance policy is way more beneficial in comparison to any other insurance plans. A customer with a comprehensive policy enjoys the following benefits:

  • It has a network of more than 4,300 garages all over the nation.
  • 24 hours of assistance to queries and claim settlement procedure related to the policy.
  • Provides financial and legal protection to the policyholder in case of own damage as well as third party damage.
  • Offers a wide range of add-on covers to stretch the bike insurance coverage by paying a little extra premium amount.
  • IFFCO Tokio provides an exclusive ‘Value Auto Coverage’ benefit along with the plan by paying an additional premium of a small amount.
  • No claim bonus of up to 50% on two-wheelers to customers who renew their insurance policy 90 days before the day of expiry and have not made any claim during the policy period.

Must Read Articles before buying Iffco Tokio Bike Insurance

Iffco Tokio Bike Insurance User Reviews

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What users are saying
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  • Effortless Purchase

    Buying Ifco Tokio's bike insurance from InsuranceDekho was super easy! I found a great deal that covered everything I needed and didn't break the bank.

    By Mansi kalra
    On: March 2, 2024
  • Helpful Tool for Policy Compar...

    The premium calculator has been a great tool for comparing policies on InsuranceDekho. It allowed me to see how premiums vary between different insurers, making it easier to find the best coverage which I got via the Iffco Tokio Bike Insurance Policy for my Yamaha bike at the right price.

    By Pritam Kumar
    On: November 9, 2023
  • All-Encompassing Shield for My...

    My Honda bike is one of my most valuable assets, and InsuranceDekho's comprehensive coverage with the Iffco Tokio Bike Insurance Policy acts as an all-encompassing shield, protecting it from a wide range of risks.

    By Manoj Das
    On: November 3, 2023
  • Quick and Efficient Zero Dep C...

    InsuranceDekho's Zero Depreciation claims process is quick and efficient. As my Mahindra bike was insured with the Iffco Tokio Bike Insurance Policy, they processed my claim without any depreciation-related hassles, and my bike was back on the road in no time.

    By Varun Sharm
    On: October 23, 2023
  • Coverage Wherever You Go

    InsuranceDekho's cashless garage network ensures coverage wherever I go for my Jawa bike. It's a comforting thought that my bike is fully covered with the Iffco Tokio Bike Insurance Policy when I'm traveling.

    By Vikas Magar
    On: October 17, 2023
  • Reliable Insurance Partner Net...

    InsuranceDekho collaborates with reputable insurance providers, ensuring that you have access to trusted policies. It's reassuring to know that your coverage is backed by the best Iffco Tokio Bike Insurance Policy for my Honda bike.

    By Sanjoy Sen
    On: September 29, 2023
  • Prompt Customer Support during...

    I was so glad that I decided to buy the Iffco Tokio Bike Insurance Policy for my Vespa two-wheeler. During a recent claim, InsuranceDekho's customer support was prompt and helpful. They guided me through the process seamlessly.

    By Mehmood Saif
    On: September 20, 2023
  • Efficient Documentation Handli...

    The documentation process for renewal of the Iffco Tokio Bike Insurance Policy that I purchased for my Vespa bike with InsuranceDekho is efficient and organized. I don't need to keep track of multiple papers; it's all available online.

    By Krishna Patel
    On: September 15, 2023
  • Quick and Convenient Cashless ...

    The quick and convenient cashless repairs for my Jawa bike from InsuranceDekho made a stressful situation much easier to handle. The Iffco Tokio Bike Insurance Policy delivered on its promise.

    By Pramod Sharma
    On: September 13, 2023
  • Expert Repairs with Zero Depre...

    InsuranceDekho ensured my KTM car received expert repairs without any deductions for depreciation. The Iffco Tokio Bike Insurance Policy is valuable to have added with the Zero dep benefit.

    By Tushar Kulkarni
    On: September 11, 2023

114 Iffco Tokio Cashless Garages in India

IFFCO Tokio Comprehensive Two-Wheeler Insurance FAQs

  • Are add-ons available for two-wheeler policy owners?

    Yes, add-ons are available for two-wheeler as well as four-wheeler vehicles. IFFCO Tokio provides amazing add-on benefits for two-wheeler vehicles too. The policyholders can make can claim during the entire policy period and claim for the maximum amount for the vehicle.

  • What are the advantages of purchasing two-wheeler comprehensive insurance policy from IFFCO Tokio?

    IFFCO Tokio is one of the leading names in the insurance industry. It has been working from years towards providing the best insurance policy for the customers. It holds a great record of customer satisfaction. It provides a hassle-free service to its customers. The help desk provides 24x7 assistance all over the nation.

  • Which is a more expensive comprehensive or third party?

    A comprehensive insurance policy is more expensive in comparison to third party policy. The main reason behind it is that it provides a wider range of coverage and benefits to the policyholder. It covers most of the financial and legal liabilities of a person arising out of the vehicle.

  • What all is covered under the policy?

    It offers the damage caused to the third party as well as insured’s bike holder due accidents, natural calamities like earthquake, storm, flood, lightning, landslide etc. It also protects against man-made calamities such as theft, housebreaking, burglary, accidental by external damage etc.

  • Why should I take a comprehensive insurance policy for my two-wheeler?

    It is always advised to take a comprehensive insurance policy for your bike because you will be protected extensively. It will provide you with protection against all the possible incidents. So if your budget is not stopping you, it is advised that you get a comprehensive insurance policy.

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