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Coverages Under Bike Insurance: Everything You Need To Know

Written by Amit Jain
Updated On Aug 17, 20222 min read

Coverages Under Bike Insurance: Everything You Need To Know

The process of purchasing a bike or scooter is indeed not difficult but it's not quite that simple too to decide the model you want to purchase. Before you decide which one you would really like to purchase, you look through a variety of models and brands.

In a similar vein, purchasing two-wheeler insurance somehow doesn't entail accepting the first policy that is shown to you. Before selecting the insurance that best suits you, you must be vigilant, do your research, and weigh the available possibilities. To know more about bike insurance coverage in detail, read on.

Coverages Under Bike Insurance: Everything You Need To Know

What Is Bike Insurance?

Two-wheeler insurance is a legal agreement between an insurance provider and the bike's owner that states the insurer would cover any costs that could accrue as a consequence of a crash caused by the insured's two-wheeler. There are several two-wheeler insurance options available in India. The coverage these insurance policies provide explains the variations between them.

What Is A Comprehensive Two-Wheeler Policy?

An all-inclusive two-wheeler insurance coverage offers protection from virtually every unforeseeable accident kind that might harm your vehicle. Your comprehensive two-wheeler insurance plan combines two different types of coverage, the first of which is for your personal damage, and the second of which is for harm to other people.

If you need further clarity, consider the following scenario: You were riding your bike when you unintentionally collided with another rider. Now that you've caused the accident, you have a moral and legal obligation to make up for the harm you've done to the third party. Your comprehensive two-wheeler insurance coverage will be useful in this situation. The coverage will cover the expense of repairing your two-wheeler in addition to paying the third party for any damages.

What Is A Third-Party Bike Insurance?

A third-party bike insurance coverage is a need to ride a bike in India. It is sometimes referred to as a liability-only coverage and insured third-party death, temporary or permanent disability, and physical injuries sustained in an accident involving the insured's motorcycle. This motorbike or scooter insurance coverage also pays up to Rs. 1 lakh for third-party property damage costs; however, it does not pay for harm to the insured person or their machine.

What Is Own Damage Bike Insurance?

The independent own-damage bike insurance plan covers the costs of own-damages incurred by the insured bike as a result of accidents, theft, fire, natural disasters, and man-made calamities. Individuals with a solo own-damage coverage have more freedom to select the insurance provider of their choice. The policyholders might get their own-damage and third-party insurance from the exact same insurer or from a separate one. An insured person can purchase add-on covers to increase the scope of an own-damage insurance policy.

How Can A Person Choose Two-Wheeler Policy?

Following are some tips that can help a person choose a policy -

  • Coverage Requirements - Examine your needs and financial situation to determine which of the several two-wheeler insurance policies is best for you. You must weigh a variety of criteria when determining your needs, including how often you use your two-wheeler, your spending, your responsibilities, etc.
  • Choosing Add-Ons - Your two-wheeler insurance policy's coverage might be improved with the aid of add-on covers. You may choose an add-on cover for your two-wheeler insurance policy through consideration for an additional price.
    Comparing Plans - Making the finest purchasing choice requires comparing several two-wheeler insurance coverage online. The features, exclusions, premiums, and other aspects of various plans may all be compared.


It is often advised to renew your bike insurance plan at least 45 days before your two-wheeler insurance policy expires in order to protect your best interests. You shouldn't hold off until your insurance policy expires. This is due to the possibility that you might lose all collected insurance benefits in the event that your insurance plan ends.

Also read: Comparison Between First Party And Third-party Bike Insurance

All About Bike Insurance Calculator


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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Written by Amit Jain
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 Amit is an upcoming name in the motor industry be it new cars/ bikes or used ones. Amit in his last stint worked as a consultant for major Fortune 500 companies across the globe. In his free time, Amit likes to play cricket.

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