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Own Damage Cover for Two Wheeler Insurance Explained

Updated On Oct 23, 2020

Own Damage Cover for Two Wheeler Insurance Explained

As per the concept of the two-wheeler insurance, it is compulsory to own at least a third party insurance plan by every bike or scooter owner. It offers coverage for damages which you may have incurred towards a third party which may have caused them bodily injuries, property loss, or death. But, this insurance plan does not give any coverage for the damages sustained by your own vehicle. Hence, the necessity of an own-damage cover arises with which you could claim for the loss or damages sustained by your own bike as well.

What Is the Own-Damage Insurance Cover for Bike?

Own-Damage is a bike insurance policy which is designed to cover your two-wheeler against the loss or damage caused due to natural or man-made calamities. The own-damage cover becomes active in a situation where your insured two-wheeler suffers damages and you are in need of an accidental cover.

Features of the Own-Damage Insurance Cover for Two Wheeler

Here are some basic features of the own-damage cover in two-wheeler insurance:

  • The own-damage policy compensates the damages incurred by your own vehicle
  • It is not compulsory to buy an own-damage cover unlike a third party bike insurance
  • The own damage insurance plan covers the vehicle for man-made and natural calamities
  • With the add-on covers, the coverage of the own-damage insurance policy can be extended
  • The premium amount of the add-on cover is slightly higher than that of the third party cover.

Inclusions and Exclusions of the Own-Damage Insurance Cover for Bike

The own-damage insurance plan covers the cost of damages to your two-wheeler due to:

  • The insurance policy covers the loss arise due to the theft of a two-wheeler
  • Any damage incurred by the insured vehicle due to natural calamities such as earthquake, floods, hailstorm storm, landslide, rockslide, and so on.
  • Coverage against the damages incurred due to man-made calamities like riots, terrorism, war, burglary and so on.

The own-damage insurance policy does not give coverage in the following situations:

  • Coverage towards the third-party bike insurance plan
  • Normal wear and tear of the insured two-wheeler
  • Mechanical and electrical breakdown of the two-wheeler
  • Loss of value due to the two-wheeler depreciation
  • If vehicle is used outside the geographical limitations as per the plan
  • If the driver is driving the bike under the influence of alcohol, drug and so on
  • If the driver is not holding a valid driving licence at the time of the accident
  • If the two-wheeler insurance plan is not active at the time of making a claim.

How to File the Own Damage Insurance Claim for Two Wheeler?

Here are the steps following which you can initiate the claim process:

1. Inform the Insurance Company

Convey about the incident to your insurance provider immediately after the accident or mishap leading to the insurance claim. You can make your claim either by calling on their toll-free number or sending an email. You can get the claim form from the branch of your insurance company or you can download it from the official website of the insurance provider.

2. Submit the Evidences

You should submit as many as possible evidences of the accident or mishap to the insurance company in the form of some pictures of the damages sustained by your two-wheeler vehicle. You need to fill up the claim form which is required to be submitted along with the relevant documents.

3. Take the Insured Vehicle to Garage

Take your damaged two-wheeler vehicle to the garage for repair. If you take the vehicle to a network garage for repair, in that case, you can easily file a cashless claim, where cost is settled directly by the insurance provider. On the other hand, if you avail the repair services from a non-network garage, you will have to pay for the bills first and make the claim later.

4. Survey of Your Vehicle

A surveyor from the insurance provider will survey the two-wheeler vehicle and its damages. Based on the examination of the surveyor, an estimation will be made and sent to the insurance provider.

5. Get Your Claim Settled

After receiving the claim form and surveyor’s examination report, the insurance company will offer the compensation amount to the policyholder for the damages. In the situation where a cashless claim is made, the claim amount is settled directly or the insurance claim amount will be reimbursed to the registered bank account.


The own-damage provides sufficient protection to your two-wheeler vehicle. The cover gives extensive coverage to your vehicle even in case of natural and man-made calamities. The above mentioned details will give you an idea about the own-damage cover, its features and its claim process to enable you to avail it to the fullest.

Types of Bike Insurance You Should Know:

Third Party Two Wheeler Insurance

Comprehensive Two Wheeler Insurance Policy

You May Also Like To Read:

What is a Bike Insurance Renewal?

Two Wheeler Insurance Add-ons

Bike Insurance Details by Registration Number

Fine for Driving Two Wheeler Without Insurance

How to Get Duplicate Two Wheeler Insurance Copy Online

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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