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Inclusions In Bike Insurance Plans

Published On Sep 01, 2022

Inclusions In Bike Insurance Plans

Many are unaware of the coverages and features of the policy, despite the fact that they are aware that, according to Indian traffic rules, a bike insurance policy is required. Most of the time, people merely get bike insurance online in order to comply with the law and do not think about the coverage that is provided.

However, you wouldn't be able to file a claim if you didn't know what your bike insurance policy covered or didn't cover. Therefore, it's important to understand the bike insurance policy's inclusions and exclusions. 

 Inclusions In Bike Insurance Plans

Importance Of Inclusions In A Bike Insurance

Third-party bike insurance is a good choice to make if your bike has significantly lost market value as a result of normal wear and tear. Normally, the depreciation rate is 10% for the first five years before decreasing to 5% per year. Your bicycle loses 50% of its value after five years. In this case, third-party coverage is a viable option. To ensure that you have a complete understanding of the coverage offered by this type of insurance, you shall first know about many kinds of features and restrictions that come with such a bike insurance plan.

In this piece, we'll go over the key information regarding the coverage and exclusions of your two-wheeler insurance. As part of your duty as a bike owner, you must purchase two-wheeler insurance for your vehicle because it is necessary by law and advantageous to you. It offers financial security in the event of a catastrophe or auto damage. Therefore, it's crucial to comprehend all of the distinct features and restrictions that are included with various bike insurance policies. To find out about some of the most common ones, keep reading.

Inclusions In Bike Insurance For Third Parties

The following are some typical items protected by third-party bike insurance:

  • Your insurance company will cover all monetary obligations in the event that your bicycle causes injury to a third party, including the victim's medical expenses.
  • In a similar vein, any harm done to the property of a third party is covered, and you are reimbursed for their loss.
  • The third party's compensation amount will be approved by the Motor Tribunal Court. You are not required to pay anything if the amount is less than the coverage provided by your insurance plan. However, if the sum is greater than the offered coverage, you will be responsible for the difference.

Inclusions In Bike insurance Under Comprehensive Plan

The following is covered under comprehensive bike insurance:

  • Responsibility To Third Parties

Your comprehensive insurance will pay for any damage that a third-party bike insurance policy causes if it is involved in an accident or collision with your vehicle. This includes both property damage to vehicles and personal injury.

  • Self-Inflicted Damage

Own damage insurance will cover any harm done to the driver/owner of the automobile as well as your own car. 

  • Natural Calamities

These include events such as floods, earthquakes, and others that cause harm.

  • Man Made Disasters

A few examples of man-made disasters include theft, other malicious acts, and other events.

Additionally, comprehensive bike insurance will cover harm from riots, fires, and other unintentional causes.


Make sure to read through several policies offered by multiple insurance providers before you acquire a two-wheeler policy. We are aware that making a decision might be challenging. It is therefore recommended to compare plans online before purchasing bike insurance. Additionally, read the policy terms and conditions before you sign the contract.

Also Read: 

Comparison Between First Party And Third-party Bike Insurance

Advantages Of Buying Bike Insurance Online


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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