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How To Get The Best Bike Insurance Quote

Published On Feb 28, 2023 10:00 AM By InsuranceDekho

How To Get The Best Bike Insurance Quote

Owing to the convenience that a bike offers, everyone now prefers bikes to travel for short distances. The greatest advantage of travelling from one place to another on a bike is that it helps in maneuvering through traffic and reaching the destination on time. Now, in order to legally drive a bike on Indian roads, a bike owner needs to have third-party bike insurance as mandated by the Motor Vehicle Act of 1988. Thus, there are a number of insurance companies now that sell bike insurance plans which often makes it difficult for individuals to pick the best one. So, in the section below let's discuss how to get the best insurance quote.

How To Get The Best Bike Insurance Quote

Ways To Get The Best Bike Insurance Quote

A bike insurance is a contract between the insurer and the policyholder where the former agrees to offer financial protection in case your bike is damaged. Now, to get the best bike insurance plan, there are certain factors that you need to keep in mind such as its model, fuel type, and others. Based on your preference and budget, you can also customise your bike insurance quote. So, in the section below, let us discuss the different ways in which you can get the best bike insurance quote.

  • Understand the Coverage: Before buying any bike insurance plan, it is very important that you first understand the bike insurance coverage you need. For instance, whether you want to buy third-party bike insurance along with comprehensive bike insurance or standalone bike insurance or not. This will help you in picking the right bike insurance type for yourself. 
  • Check the Bike Insurance Premium: Another important thing to consider while selecting the right bike insurance quote is to check its premium. It is crucial that you identify whether the premium of the selected bike insurance plan matched your budget or not. Moreover, it makes no sense in buying an expensive bike insurance plan when you know you will be unable to pay for its premium. You should also compare the bike insurance premium from other insurance companies as this will help you in buying bike insurance plans at the lowest premiums.
  • Find a Bike Insurance Quote From A Reputed Insurer: For getting the best bike insurance quote, you should choose a reputed insurer. Once you have selected a reputed insurer that has a good claim settlement ratio, it becomes easier for you to get your bike insurance claims settled in the future. You should also make sure to check the customer care timings and other things. It makes it easier to choose a bike insurance company that has a 24*7 support team as this will ensure that all your bike insurance queries are answered on time.
  • Check The Features of Your Bike: Before investing in any insurance plan, it is also important that you first analyse the features of your bike. For instance, you must check its cubic capacity, as the cubic capacity of the bike also affects the premium of your bike insurance plan. Moreover, you should also consider other factors like the age of the bike, the model of the bike, etc that equally determine the bike insurance premium.
  • Understand The Insured Declared Value: You also need to keep the insured declared value or IDV in mind while looking for the best bike insurance quote. The insured declared value is basically the sum insured that the insurer will compensate for in case your bike is lost, stolen, or damaged.
  • Check for Discounts: Many a time, bike insurance companies offer discounts to lure the attention of potential customers. You should thus also check for discounts available so that you can get the best bike insurance quote at the most affordable premium. 

Take Away

Thus, you should keep the above factors in mind in order to get the best bike insurance quote. You can do so either in an offline or online manner, whatever is convenient for you.

Also read: Steps to claim bike insurance twice a year


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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