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Important Components of Your Comprehensive two wheeler Insurance Policy Wordings

Written by Sharad Bajaj
Updated On Apr 06, 20212 min read

It is important to understand all the different components of the policy wordings for your comprehensive two wheeler insurance policy. By doing so, you will be equipped to raise any claim and to know about your policy and the details of its coverage.

Your comprehensive two-wheeler insurance policy document can appear daunting at first glance. However, with the right knowledge, it can be easily broken down and understood by you. One of the most important things to understand is which claims would be covered by your policy and which would not, so that you can know with confidence when you are covered for damages or liabilities. Let’s read all about the important policy wordings involved in a comprehensive two wheeler insurance policy document and understand their meanings, so you will be equipped with this knowledge for future.

Important Components of Policy Wordings in Comprehensive Two Wheeler Insurance

Here are some of the important components of policy wordings in comprehensive two-wheeler insurance:

Third Party Liability

This component of your policy is compulsory by law. It is a part of the comprehensive insurance policy. It covers any damages or liabilities arising from an accident involving third-party bike insurance with your vehicle. That is, if you get into an accident with another party and they are injured or their vehicle faces damages, this component of your policy will take care of that. The policy wordings will contain details of inclusions and exclusions related to the same.

Personal Accident Cover for Owner-Driver

This component of your policy will cover personal injury for the driver/owner and the policy wordings will contain details of the injury cover of your policy and the details thereof. You will be able to find out the corresponding compensation based on the nature of injury, in this section.

Comprehensive Coverage

This section would contain details of the own damage portion of your policy, which refers to damages or liabilities arising from situations or accidents that do not involve a third party. It is a crucial part of comprehensive insurance and thus is detailed in this section. It is important to go through it carefully to know the inclusions and exclusions so as to not risk getting your claim rejected at a future date.

Grievance Redressal

You could potentially have some grievance with your bike insurance company: for example, a rejection of a claim or a claim amount that you believe to be too low. In this section of the policy wordings you will find the contact details of how to address your grievance so that you may be able to access some redressal.

Also Read

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5 Tips To Take Care of Motorcycle Tyres


Reading and carefully understanding your policy document is of the utmost importance. With this knowledge, you are now equipped to easily navigate through your policy wordings and find the information you need, while having a keen understanding of your two-wheeler insurance  policy.

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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Written by Sharad Bajaj
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 Sharad is an insurance industry veteran who has managed motor insurance products for over a decade. He helped set up and scale the motor insurance vertical for a leading insurance company in his previous stint. In his spare time, Sharad likes to read and be in tune with nature.

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