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Difference Between Third-Party and Comprehensive Two-Wheeler Insurance Policy.

Updated On Jun 07, 2022

Difference Between Third-Party and Comprehensive Two-Wheeler Insurance Policy.

You have heard of two-wheeler insurance, home insurance, life insurance, and many more but have you ever heard of Comprehensive insurance policies and third-party insurance policies? Let me explain clearly. Both insurances might help you to choose bike insurance, as driving a two-wheeled vehicle is itself a risky task.

Difference Between Third-Party and Comprehensive Two-Wheeler Insurance Policy.

Comprehensive two-wheeler insurance policy

This is insurance that protects from any third-party liability along with its damage. Here you can opt for any add-ons that might help strengthen your policy. It is considered the best insurance for two-wheeler vehicles. 


  • Covering bike’s damages- This insurance covers your damages and losses, hence saving most of your money. 
  • Protection from third-party liabilities- third party liabilities mean a policy in which the insurance company offers cover for the insured. So, comprehensive insurance protects you from the third- party liabilities and losses. For example, if your two-wheeler hits someone else’s vehicle, comprehensive insurance would protect you.
  • Protection during natural disasters- Comprehensive insurance does not only protect from accidents or collisions but also natural calamities like floods, earthquakes, etc.

Third-party insurance

This is a type of bike insurance that would only cover the minimum, and important requirements of covering for losses and damages related to third-party liabilities. For example, if an accident occurs between you and another bike, the insurance would cover the losses for the third party but not for your bike.


  • Covering for third-party liabilities- This insurance’s main aim is to protect you from third-party-related damages and losses.
  • Can cover in front of law- As per the Motor Vehicle Act, you will need third-party insurance to be legally on the road. If you, don’t you might be held responsible for a hefty traffic line.
  • Protects from fines- Buying insurance especially if it is third-party insurance is cheaper than any traffic fines. This insurance can help you to save your pockets.

The difference between Comprehensive insurance policies and third-party insurance this difference can help you choose the right bike insurance since it is already very risky to travel in a two-wheeler.

Comprehensive insurance 

Third-party insurance

  • This insurance is the combination to cover both third-party liability and own damages.
  • This policy offers vast coverage. The two-wheeler can cover against theft, natural calamities, losses, and damages. 
  • With this insurance policy you can also go for add-ons such as Zero-depreciation covers, and return to invoice cover.
  • You can opt for either one of the insurances but if you need complete coverage with add-ons then this is the best option. 
  • Third-party insurance is bike insurance that can handle damages caused to the third party.
  • This policy offers limited coverage. As mentioned earlier that it will only protect the damages or losses of the third party.
  •  Speaking about the add-ons, it cannot provide much just the personal accident cover.
  • This option is suitable only if the bike is ridden rarely or the bike is too old


To sum it up, I recommend that the best insurance for bikes is a Comprehensive insurance policy, but this decision is yours, it must suit you. According to your need must the decision be taken. 

Also Read:  Know How Two Wheeler Insurance Protects Your Bike from Fire Damages


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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