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Important Things To Check While Buying A Two-wheeler Insurance Plan


Written by Sharad Bajaj

Updated Apr 15, 2021

You should consider various factors before buying a bike insurance plan. But what to check before buying bike insurance? Here’s your guide for buying a two-wheeler insurance plan in India.

In today's scenario, a trusted two-wheeler insurance policy is essential for a tension-free driving experience and peace of mind. In addition to this a two-wheeler insurance policy helps in keeping the bike in the best possible condition. Thus, purchasing a bike insurance policy is a responsible task.

Important Things To Check While Buying A Two-wheeler Insurance Plan

Here’s your guide for buying a two-wheeler insurance plan in India.

Things To Check While Buying A Two-Wheeler Insurance Plan

Following are some of the factors that are imperative to look while selecting the right bike insurance cover:

1. Coverage of the Plan

It is important to check the coverage of the bike insurance plan that the policyholder is planning to buy. On the basis of coverage, there are three types of bike insurance plans namely third-party bike insurance plan, standalone own-damages plan and comprehensive bike insurance plan. Choose the plan type as per your requirement.

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2. Availability of Add-ons

Add-on covers are the additional benefits that can be opted by paying extra charges to extend the coverage of the policy. Some popular add-ons are zero-depreciation, personal accident coverage, passenger coverage etc. It is extremely important for the policyholders to always check that add-ons that are available as they turn out to be very beneficial in different scenarios.

3. Premium Amount

The most important thing while comparing different bike insurance covers is the amount of bike insurance premium. People generally believe that a cheaper premium is not always the best but sometimes it comes out to be false. The policyholder should check the inclusions, the credibility of the insurance company and the claim settlement ratio before coming to any conclusion.

Also know: Passenger Cover

4. Available Discounts

Most of the insurance providers provide discounts and other offers on bike insurance policy. This is an obvious way to attract a huge number of customers, at the time of buying insurance policy one must not forget to avail such options. For instance, insurance companies provide a discount if you install ARAI-approved anti-theft devices in your bike.

5. Terms and Conditions

Most of the points are conveyed to the policyholders in the agreement. As a wise customer, it is the duty of the policyholder to check the terms and conditions to know what all is offered by the insurance company in the bike insurance policy. It is also needed to be checked that what all is mentioned in the exclusion list to avoid any kind of disappointment at the time of application of bike insurance claim settlement.

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Benefits of Buying Long-Term Two Wheeler Insurance


There are several reasons other than just the legal liability to have two-wheeler insurance. It is extremely essential for you to have two-wheeler insurance for your safety and for the safety of others. Different insurance companies may offer good plans for your bike but it is your research ability that comes into the picture at the end of the day and to help you choose a policy that suits your requirements in the best possible way.

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.


Written by Sharad Bajaj

Sharad is an insurance industry veteran who has managed motor insurance products for over a decade. Read More

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