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How an Online and Offline Bike Insurance Differ From Each Other?

Published On Feb 25, 2021 11:00 AM By InsuranceDekho

It is mandatory to drive a two-wheeler only with credible insurance and this can be procured in both online and offline modes, with the online means of procuring seems convenient, fast, and easy.

Two-wheelers are the best mode of transport for fast and convenient commuting, despite the heavy traffic often observed in our country. All bike owners are compulsorily required to own at least a third-party bike insurance. However, comprehensive two-wheeler insurance is good to have as it renders all-round protection for the bikes as it includes a cover for own-damages in addition to third party liabilities.


How an Online and Offline Bike Insurance Differ From Each Other?

Different Ways of Buying Two-Wheeler Insurance

People have been buying two-wheeler insurance offline for years, where they visit the office of the  Bike insurance provider and buy insurance. There are impressive advantages of this method, such as face to face communication with the insurance provider and clearing any doubts with the insurer then and there.

But buying two-wheeler insurance online has become quite popular owing to the time it saves and the less tedious paperwork it incurs. By buying an insurance policy online, people are also able to make claims online and renew their policy online as well.

Difference Between Online and Offline Bike Insurance

There are sure differences between buying an insurance policy online and buying it from an agent offline and these differences are summarized as follows.


Online Two-Wheeler Insurance

Offline Two-Wheeler Insurance


While buying the bike insurance online, it is possible to compare policies, read reviews of a policy from fellow bike owners, and choose the best-fit Scheme.

It is often difficult and the policy buyer has to go with the suggestions of the insurance agent.

Clarifying Doubts

There is no chance of face to face communication, but it is possible to take help from chatbots and customer service agents.

Offers the advantage of face to face communication and the insurance agent can clarify doubts and confusions regarding insurance policy.

Cost Efficiency

Online insurance companies have lower overhead costs and there is middleman involvement. Thus the policies are more affordable.

The cost of these policies can be higher. But the insurance agent can assess the paying capacity of the policy seeker and suggest a custom-defined plan for them.


There is less paperwork as the details are only to be uploaded and submitted online from the comforts of one’s home.

Getting a policy offline will involve multiple documents and paperwork. But the insurance agent will help and guide in the process.


At times insurance companies offer discounts during some seasons and transfer the benefit to their clients.

There is less scope for such discounts.

Also, Read

Two Wheeler Insurance Comparison - Importance, Steps and More

IRDAI Guidelines For Bike Insurance Policies In India

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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