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Guide To Buy Bike Insurance For Old Bikes

Published On Jan 20, 2021, Updated On Mar 20, 2021

Are you planning on buying insurance for an old bike? This process is slightly different when it comes to an old or used bike. Read on to know what steps to take.

Every vehicle plying on Indian roads requires a valid insurance policy to be in effect. This includes any old or used bike that you may have purchased. When purchasing a brand new bike, you would be offered an insurance policy by your dealership alongside the bike itself. However, you would have to purchase an insurance policy yourself when it comes to an old bike and there are a variety of factors to keep in mind.

Guide To Buy Bike Insurance For Old Bikes

Steps To Take When Buying Insurance For Old Bikes

Take the following steps when buying bike insurance for your old bike:

1. Importance Of Comparing

It is important that you keep in mind the benefits of comparing different policies online. When doing so, you can easily see all the different policy and Bike insurance company options that are available to you and see the different inclusions, exclusions, as well as the different premiums that are available. You will be able to select the one that is best for you.

2. Select Which Plan Is Best For You

The following are the three types of insurance plans that you will have to choose from:

  • Third-Party Insurance

Having insurance at least up to a third-party Bike Insurance is mandatory by law. It will cover any damage sustained by a third party or their vehicle when they have been in a collision or accident with your vehicle.

  • Standalone Own Damage Insurance

Standalone own damage insurance will cover damage to your own vehicle.

  • Comprehensive Insurance

Comprehensive two-wheeler insurance is a combination of the two above mentioned types and gives you the strongest coverage.

3. Consider Add On Covers

Bike Insurance Add on covers are additional covers which will strengthen your insurance coverage. They are particularly useful for an old bike as you will be able to avail of add on covers such as engine protection coverage and small accidents coverage, which would be beneficial when you are riding an old bike. They are available alongside comprehensive insurance coverage and standalone own damage insurance.

Also Read: Engine Protect Cover Add-on For Two Wheeler Insurance

Advantage of Add-on Covers in Two-wheeler Insurance Policy

4. Read The Policy Documents Thoroughly

Make sure to thoroughly read the policy documents and verify any personal information is correct. If you have any doubts make sure to take it up with your insurance company at the earliest. Before you make the payment, the policy document should be thoroughly checked by you.

Further Reading: Important Components of Your Comprehensive two wheeler Insurance Policy Wordings


Even when it comes to an old bike, insurance is of utmost importance. Follow these steps when purchasing bike insurance for your second hand bike and select the one that is best for you.

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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