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Common Mistakes To Avoid While Choosing A Bike Insurance Policy


Written by Sumit Arora

Updated Sep 05, 2021

Read this article to know the mistakes you should avoid in selecting two-wheeler insurance.

When it comes to purchasing two-wheeler insurance, a lack of information can influence your decision making power. Since an insurance policy is a crucial document, hence, you must not get make any mistake in selecting the right two-wheeler insurance policy. Here in this article, let’s dig into some common mistakes which you must avoid while purchasing a bike insurance policy.

Common Mistakes To Avoid While Choosing A Bike Insurance Policy

Mistakes To Avoid While Choosing A Bike Insurance Policy

Here are a few common mistakes that you should avoid committing while choosing the best two-wheeler insurance policy:

1. Lack of Policy Research 

Many times, customers purchasing bike insurance plans skip the research process. Without exploring different policy options thoroughly and proper research about the benefits and premiums of various plans, one should never move ahead to select a plan. It helps you find the best policy by getting similar policy benefits at an affordable premium and knowledge about the company’s reputation through customer reviews.

2. Finding Cheap Policy

The policy price is certainly a matter of concern for every policyholder. But making your choices purely based on the low-cost factor could make you pick an inappropriate plan. You must go through multiple benefits and coverage of different insurance plans and choose the most economical policy among them. Opting for a cheap bike insurance policy with the lowest premium can look to be a great option, but many times such plans end up providing insufficient coverage against huge damage or loss sustained by two-wheelers.

3. Opting for Select Small Deductibles

Several individuals select a small number of deductibles while purchasing a two-wheeler insurance plan online, with the thought that small deductibles are more beneficial. On the contrary, the deductible amount should be opted as per your claim amount and frequency. A high deductible for small claims is useless and similarly a small deductible for the high amount of claims. Therefore, you should opt for a claim according to the request of your claim.  

4. Not Claiming The NCB

If you do not make any request for a claim during the bike insurance policy term, you become eligible to get a No Claim Bonus (NCB) benefit from your insurance company as a reward. You can avail of the NCB discount offered by your insurance provider on the amount of premium to be paid in the next policy year. Hence, you must keep it in your mind while renewing your bike insurance policy. 

5. Not Reading The Terms and Conditions of the Policy

It is the biggest mistake that people make while purchasing two-wheeler insurance plans. Hence, you must go through the policy wording in detail and should not ignore the points of inclusions and exclusions. If you make any claim for an instance that is not covered under the plan, then it could be rejected. Thus, read all the underwritten terms and conditions of the policy thoroughly.


Every bike insurance policyholder should avoid the above-mentioned mistakes while buying a bike insurance policy. To search for the best two-wheeler insurance policy, you should compare several policies online on the basis of their coverage, benefits, and premium. We hope this article will help you avoid common mistakes and get the most suitable plan.

Also Read:

How to Find the VIN, Chassis Number and Engine Number of Two Wheeler

Roadside Assistance Add On Cover In Two-wheeler Insurance Explained

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.


Written by Sumit Arora

Sumit is an insurance industry veteran with more than 20 years in the industry. Sumit is a frequenRead More

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