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Noteworthy Inclusions And Exclusions Under Bike Insurance Plans

Published On Feb 01, 2021 10:00 AM By InsuranceDekho

It is important as a bike owner to be aware of the different inclusions and exclusions which will fall under your bike insurance plan.

As a bike owner, it is your responsibility to purchase bike insurance for your two wheeler. Not only is this mandatory by law, but it is also beneficial for you as a bike owner as it will provide you with financial protection in case of any accident or calamity that may befall your vehicle. For this reason, it is crucial to be aware of all the different inclusions and exclusions under bike insurance.

You May Also Like To Read: Important Components of Your Comprehensive two wheeler Insurance Policy Wordings

Noteworthy Inclusions And Exclusions Under Bike Insurance Plans

Noteworthy Inclusions And Exclusions Under Bike Insurance Plans

Let’s read all about the different inclusions and exclusions in comprehensive bike insurance, to get a better understanding of the coverage under this type of bike insurance plan.

1. Inclusions

Comprehensive bike insurance covers the following inclusions:

  • Third Party Liability

It will cover you for liabilities arising from any damage or loss sustained by a third party involved in an accident or collision with your vehicle. It includes liabilities for bodily injuries to the third party as well as the cost of any repairs for their vehicle.

  • Own Damage

Own damage refers to any damage to your own vehicle, or to you as the vehicle owner/driver. This includes a variety of situations when it comes to comprehensive bike insurance:

  • Protection from any damages sustained by earthquakes, flooding, or other natural calamities
  • Man-made calamities such as theft or other malicious acts
  • Riots, strikes, or incidents of fire are also covered under comprehensive bike insurance

Also Read: Personal Accident Cover in Two Wheeler Insurance Explained

2. Exclusions

Every insurance policy will differ, and it is therefore important to carefully read your policy to understand which exclusions will apply to you. Here are some common exclusions when it comes to comprehensive bike insurance policy:

  • Riding without a valid license
  • If the incident takes place outside the geographical limits of India
  • Riding under the influence of alcohol or other substances
  • Damage from regular wear and tear of the vehicle, or breakdown due to its ageing
  • Damage that can be attributed to war or mutiny
  • Damage to tubes or tyres, unless the damage occurs during an accident


It is important to be well aware of your bike insurance plan and understand the inclusions and exclusions that apply to it. Read your policy carefully and familiarise yourself with it in order to be equipped with the right knowledge when it comes to the time of raising claims.

You May Also Like To Read: Bought A New Expensive Bike? Here Are 4 Things You Must Do

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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