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E-Bike Insurance Vs. Bike Insurance


Written by Amit Jain

Updated Aug 09, 2022

E-Bike Insurance Vs. Bike Insurance

Purchasing two-wheeler insurance that protects against a range of damage and losses is a wise choice for any sort of two-wheeler, either electric as well as using traditional gasoline. Technology breakthroughs and the industrial revolution had already opened up new vistas for our nation. 

Insurance for electric two-wheelers is identical to insurance for normal bicycles. Its main goal is to financially protect you from losses or damages brought on by third-party liabilities and injury to e-bikes. You are further protected by the electric scooter coverage from theft, man-made and natural disasters, and total loss. To know more about e-bike and bike insurance, read on.

E-Bike Insurance Vs. Bike Insurance

What Is The Importance of Two-Wheeler Insurance for E-Bikes?

While it is good that there is less risk while riding an electric bike, their speed is still somewhat restricted. However, it is hard to foresee the tragedy that could occur when riding. Therefore, having a two-wheeler insurance plan that offers coverage against a range of losses and damages which may occur here to bike due to the accident is essential for any sort of two-wheeler, whether fuel-based or electric.

Since they receive no upfront benefits from two-wheeler insurance, the vast majority of Indians do not view it as being important. While a two-wheeler insurance coverage protects people from blowing a hole in their wallet, in reality, they can never tell when an awful occurrence may occur. All such costs must be covered by the bike owner in the absence of a valid two-wheeler insurance plan. These costs can occasionally become quite costly. You will be shielded against such hazards by an e-bike insurance policy.

Benefits of E-Bike Insurance 

Following are the benefits of e-bike insurance -

  • Cost Efficient -

    It uses a digital platform to function. Because there are no intermediaries, operating expenses are reduced. Low-cost electric bike insurance is then provided to the clients in order to recover the savings.
  • Legal Norms -

    An electric scooter or bike must be insured with third-party electric bike insurance. Depending on the seriousness of the issue, failure to insurance your electric two-wheeler might result in fines of up to 4,000 rupees or possibly jail.
  • Financial Coverage -

    Depending on the terms and conditions of the insurance, the Comprehensive Bike Insurance Plan offers financial protection in such circumstances, whether it involves third-party responsibility or damages to e-bikes.

Importance of Insurance for Motor Bikes

All kinds of two-wheeled vehicles are covered by two-wheeler insurance policies. In India, there are different kinds of two-wheeler insurance plans - solo own-damage (OD), comprehensive two-wheeler insurance, and third-party insurance. These insurance policies' differences can be attributed to the coverage they offer.

Benefits of Insurance for Motor Bikes

Following are some of the benefits of bike insurance -

  • Personal Opinion - No agent is involved in the process that gets rid of all influences. You are free to select from the best two-wheeler insurance policies based on your needs and financial situation.
  • Comparison of Plans - You may compare several two-wheeler insurance policies in terms of their features, inclusions, and exclusions by purchasing or renewing them online. This assists you in making an educated selection by letting you know which plan best meets your needs.
  • Efficient Method - Online renewal of your two-wheeler insurance coverage is the most practical option. From the convenience of your home, you can quickly and conveniently renew your two-wheeler insurance coverage online. Your two-wheeler insurance renewal takes less time and paperwork.


If you have an emergency, such an accident, bike insurance is meant to serve as a backup. Your insurance will help you keep your money safe and have the bike fixed more quickly. However, it is additionally true that insurance does not cover the complete bike. You might need to chip in to cover the repair costs. Even yet, getting bike insurance coverage has other advantages and lessens your financial load.

Also Read: 

5 Important Factors to Compare Bike Insurance Online


Written by Amit Jain

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.&Read More


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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