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Common Inclusions And Exclusions of Bike Insurance

Updated On Mar 19, 2021

Your bike insurance plan will have different inclusions and exclusions. It is important to be aware of some of the common ones.

It is part of your responsibility as a bike owner to purchase two-wheeler insurance for your bike, as it is mandatory by the law and also beneficial for you. It gives you financial protection in case of any calamity or damage that can befall your vehicle. It is therefore necessary to be aware of all the different inclusions and exclusions that form a part of different bike insurance policies. Read on to find out some of the common ones.

Common Inclusions And Exclusions of Bike Insurance

Common Inclusions And Exclusions In Bike Insurance

Read on to learn about all the different types of inclusions and exclusions that come under a comprehensive bike insurance plan to make sure that you have an adequate understanding of the coverage that comes under this specific type of insurance coverage.


The following is covered under comprehensive bike insurance:

1. Third Party Liability

If any third-party bike insurance is involved in an accident or collision with your vehicle, your comprehensive insurance will give you liability coverage for any damage sustained by them. This will include injury as well as damage to their vehicle.

2. Own Damage

Own damage coverage will cover any damage to you as the owner/driver of the vehicle as well as to your own vehicle. Comprehensive insurance will provide you coverage of own damage in a variety of scenarios:

  • Damage caused by floods, earthquakes, or other natural calamities
  • Theft, other malicious acts, and other man-made calamities
  • Comprehensive bike insurance will also cover riots, fires, and other instances of damage that do not involve a third party

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Some common exclusions that fall under comprehensive bike insurance are listed below. However, these are not universal and it is important for you to read your policy properly and carefully to understand which exclusions apply to your policy, as this information will come in handy at the time of raising a claim.

  • If you are riding without a valid license
  • Any incident taking place outside of India’s geographical limits
  • If the rider is under the influence of alcohol or any other substances
  • Breakdown due to the vehicle ageing, or damage due to regular expected wear and tear
  • Damage occurring due to war or mutiny
  • Damage caused to tudes or tyres, unless the damage is caused during an accident wherein the vehicle is damaged


The inclusions and exclusions mentioned here are not universal. It is important to carefully read your policy so you are aware of its coverage and limitations. Make sure you are well versed with the terms of your insurance policy.

Disclaimer: 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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