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Guide to Getting Two Wheeler Insurance for Old Two Wheeler

Updated On Nov 05, 2020

Buying insurance for an old bike? the process is a little different when it comes to old two-wheeler insurance. The following are the steps to take when purchasing an insurance policy for your old bike.

When purchasing a two-wheeler insurance policy, the process is a little different when it comes to an old bike. When you purchase a new bike, a dealership would offer you an insurance policy itself. However when it comes to purchasing a policy for your old bike yourself, there are a variety of factors to keep in mind which can impact the price and coverage of your insurance policy.

The following are the steps to take when purchasing an insurance policy for your old bike:

1. Compare Policies Online

You are easily able to view all the different policies available to you online, while also viewing all the exclusions, inclusions, and compare the different policies. It is important to view all the different insurance companies and available policies to ensure that you select the one that is best for you and most suits your needs. You should also look at add-on covers, such as engine protection coverage or small accidents coverage which would be especially useful for an old bike. Once you have selected the insurance that you would like to purchase, you should receive a quote.

2. Check The Type of Two-Wheeler Insurance Plan

An important consideration is the type of insurance that you opt for.

  • Third Party Motor Insurance

Third party bike insurance or liability insurance would cover any damages arising to a third party in an accident involving your vehicle. It would not cover any damages arising to your vehicle or any injury sustained by you. Nor would it cover damages caused by events such as natural calamity or disaster.

  • Standalone Own-Damage Insurance

Standalone Own damage bike insurance would cover damages sustained by your own bike. This could include due to accidents as well as natural or other calamities.

  • Comprehensive Insurance

Comprehensive bike insurance cover would have the benefits of third party cover and in addition have coverage for damage sustained by yourself and your vehicle as well, and also cover accidents such as natural disasters or flying objects which do not involve any third party.

3. Collect the Required Documents

You will need the following documents to purchase your insurance:

  1. Registration details of your two-wheeler
  2. Personal information
  3. Vehicle Inspection Report (if there is a break in policy term)

4. Read the Policy Documents

It is important that before purchasing any policy you carefully read all the documents related to it and sign it only after you have been made aware of all the terms of your new insurance policy. Be careful not to sign anything that you are unsure of.

5. Make the Payment

Finally, you can make the payment online itself for your insurance policy, with different options such as credit card, debit card, or online bank transfer.


When purchasing insurance for your old two wheeler, there are many factors to keep in mind. The age of your vehicle is paramount as it directly impacts the IDV. The second factor to keep in mind is the type of insurance you are purchasing. With these in mind, you will be able to take an informed and thoughtful decision.

You May Also Like To Read:

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How to Get Duplicate Two Wheeler Insurance Copy Online

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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