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How To Buy Long Term Two Wheeler Insurance Online At InsuranceDekho

Updated On Oct 23, 2020

Are you looking for buying long term two wheeler insurance online?

When you buy a two-wheeler, you must insure it as soon as possible. You need to keep renewing the policy to continue enjoying the coverage. However, it is not uncommon to forget the expiry date. In case that happens and you fail to renew bike insurance for your vehicle, you will be in trouble. One of the best ways to avoid the troubles of missed renewal is the long term two-wheeler insurance cover. The long tenure of the long term insurance can be up to three years.

Hence, by opting for long term insurance cover, you can have three renewal-free years. Here goes all you need to know about the long term insurance cover.

What Is A Long-term Two-wheeler Insurance Cover?

Insurance policies generally have a tenure of one year, after which you need to renew it for retaining the insurance benefits. The Regulatory and Development Authority of India (IRDAI) recently allowed the willing insurance providers to offer long term insurance policy to the policyholders. The long term policy has been introduced to reduce the chance or number of non-renewal and policy lapse.

How To Buy Long Term Insurance Cover Online?

You can buy a two-wheeler insurance policy with a long term online in a hassle-free manner. The procedure of purchasing a long term policy is similar to the process of purchasing any standard insurance policy. Given below are the steps to follow for purchasing long term insurance online:

Step 1: Visit InsuranceDekho

Step 2: Provide the details of your two-wheeler.

Step 3: Compare the available long-term insurance plans.

Step 4: Select a suitable insurance plan.

Step 6: Pay the premium using one of the online payment methods.

Your long-term two-wheeler insurance policy will be issued within a short time and the documents will be sent to you via email.

Benefits Of Long-term Two-wheeler Insurance Policy Online

The digitalization of insurance sectors has made purchasing of insurance policy convenient. There are several benefits of availing long term two-wheeler insurance policy online. Here are some of these alluring benefits:

1. No Hassle Of Renewal

Long term insurance policy gives insurance cover for a longer tenure than the standard insurance policy. It, thus, eliminates the worry of renewing policy every year.

2. Cost-effective

The long tenure reduces the cost of policy issuance and administration during frequent renewal. Moreover, you can avail some additional benefits while purchasing the policy online.

3. Paperless Procedure

Online long-term policy purchase does not require any paperwork. It is highly convenient and saves time as well.

4. Special Concession On NCB

The No Claim Bonus (NCB) reduces but doesn't become nil after a single claim during the tenure. Below goes a list of NCB discounts applicable to two-wheeler insurance policy with a long term:

Long Term Two-wheeler Insurance Policy

NCB Discount

At inception


Two-year insurance policies


Three-year insurance policies


After renewing three-year insurance policies

No claim in the first year

25 %

No claim in the second year


No claim in three years


The single claim in the third year/more than one claim in three years


The long term insurance policy not only gives you an insurance cover for a longer period but also saves you more money as compared to a short-term policy. Buying this policy online is a seamless process. Make sure you select a suitable policy along with required add-on covers.

Types of Bike Insurance You Should Know:

Third Party Two Wheeler Insurance

Comprehensive Two Wheeler Insurance Policy

You May Also Like To Read:

Own Damage Two Wheeler Insurance

Two Wheeler Insurance Add-ons

Bike Insurance Details by Registration Number

Fine for Driving Two Wheeler Without Insurance

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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