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Bike Insurance Plans For First Time Riders

Published On Aug 27, 2022 10:00 AM By InsuranceDekho

Bike Insurance Plans For First Time Riders

Riding a bike is simple since you can navigate jammed-up traffic with ease. A two-small wheeler's and streamlined shape makes travelling on the roads and highways faster. Two-wheelers have the ability to manoeuvre around other stationary cars in traffic, take up the least amount of parking space, and use less gasoline.

The responsibility of owning a two-wheeler is often overlooked by car owners. Just like they require insurance for two-wheelers, they require maintenance as well. Confusion can occasionally result from the market's wide range of auto insurance options. Choosing the appropriate motorbike insurance coverage for their car may seem like a daunting undertaking for first-time motor insurance purchasers. To know more about bike insurance plans for first-time riders, read on.

Bike Insurance Plans For First Time Riders

What Are The Factors That Affect Bike Insurance Plans?

Following are the factors that affect bike insurance plans -

  • Miscellaneous Reasons - The policy premium is influenced by a number of variables, including the type of two-wheeler, the neighbourhood where you live (if it is prone to accidents or auto theft, your premium would indeed be high), the age and riding expertise of the rider (younger and less experienced riders will indeed pay greater premiums), as well as any add-on adjustments that have been made to the manufactured vehicle.
  • IDV - It establishes the maximum sum that can be awarded as compensation for unlucky events like theft, accidents, etc. It is determined using the advertised sale price provided by the automaker and is subject to adjustment. Additionally, the IDV for two-wheeler insurance is based on the age of the vehicles as well as a depreciation rate as low as 5% for vehicles older than six months. Make sure you pay close attention to the IDV before purchasing any insurance for your two-wheeler.

What Are The Types Of Bike Insurance Plans For New Riders?

All kinds of two-wheelers, including motorcycles and scooters, are covered by two-wheeler insurance plans providing a defence against potential third-party liabilities. Additionally, on a bigger scale, it protects you against unnecessary financial costs in the case of loss or damage sustained as a result of any accident or incident. Don't forget to compare several bike insurance quotes and evaluate the features supplied in the policy when you want to purchase a bike insurance policy online.

Following are the types of bike insurance plans for new riders -

  • Third-Party Plan - As the name implies, third-party bike insurance protects the rider from any legal responsibilities that result from harming a third person. Here, the third party may be either tangible or intangible. Bicycle insurance for third parties protects you against any legal obligations you may have incurred as a result of unintentional harm you may have caused to another person's home or car. Additionally, it protects you from being held responsible for a third party's unintentional injury or death.
  • Comprehensive Plan - Comprehensive bike insurance which covers both the rider's legal obligations to third parties and any damage to the rider's own vehicle. Your bike is protected from instances of fire, natural catastrophes, theft, accidents, man-made disasters, and other associated adversities. In the event that you suffer any unintentional injuries whilst riding your bike, it also offers you personal accident coverage.

Despite the fact that it is a legal need, having insurance serves as an additional advantage in the event that a two-wheeler is damaged or stolen due to any unforeseen circumstances. Two-wheeler insurance plans offer several extra benefits in addition to third-party liability coverage, including savings on other insurance policies, free servicing and repairs for the two-wheeler and all of its accessories. However, given the vast number of insurance companies in the nation, selecting the finest two-wheeler insurance plan in accordance with one's precise needs and the available budget is sometimes a difficult undertaking.


Always bear in mind that some things are not covered by any type of car insurance plan. For instance, if a person has an accident and their licence is invalid, they are driving while impaired by drink or drugs, there is war damage, etc. In these situations, your motor insurer might withdraw all the advantages it had offered and would also deny your claim.

Also Read: 

How Can I Make Cashless Claims With My Bike Insurance Policy?

Comparison Between First Party And Third-party Bike Insurance


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
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