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Things Included and Excluded In Two wheeler Insurance

Updated On Oct 30, 2020

​The purchase of bike insurance is the responsibility of all bike-owners. So you need to know about things included and excluded in bike insurance.

Purchase of a bike insurance is a responsibility of all bike-owners. It ensures that your precious two wheeler is insured against the damages that may befall it, be it accidents or man made or natural calamities,uncertainties cannot be avoided no matter how cautious you are. This is why it is important to be aware of the inclusions and exclusions of your bike insurance.

Let’s read all about the different scenarios that are included and excluded in your comprehensive two wheeler insurance policy.

What Are the Inclusions of A Comprehensive Bike Insurance Policy?

A comprehensive insurance policy would cover the following scenarios:

1. Third Party Liability

Third party two wheeler insurance refers to any damages incurred by a third party involved in an accident with your vehicle. It would extend to legal liabilities for bodily injuries as well as the costs of repair for damage.

2. Own-Damages

Own damages are situations in which there is damage to the owner/driver of the vehicle or the vehicle itself. This includes a variety of situations:

  • Comprehensive coverage would also give you protection from losses due to natural calamities such as flooding or earthquakes.
  • In addition to natural calamities, you would be covered for any man-made calamities as well that cause some damage to your vehicle. This would refer to situations such as theft or other malicious acts.
  • Riots, strike, fire incidents are also covered under a comprehensive policy.
  • Theft of bikes is also covered under this bundled policy.

What is Excluded from Comprehensive Bike Insurance Policy?

The exclusions would possibly be different ranging from one insurance company to another. It is important to read your policy to know what is excluded from the coverage. Here are some common situations which would disqualify you from being able to claim damages in a certain circumstance:

  1. Driving without a valid license
  2. Damage caused outside of the geographical limits of India
  3. If the two wheeler is being driven by somebody under the influence of drugs or alcohol
  4. Damage that is attributed to war or mutiny
  5. Damage from general wear and tear or breakdown or mechanical failure due to ageing
  6. Unless damaged during an accident, damage to tubes or tyres


It is especially important, therefore, to be aware of the specifics of the coverage that you can avail of with your insurance policy, and to know which scenarios are included and excluded. This will determine when you will be able to file a successful claim for damages on your two wheeler and is important and valuable information to have. These vary from one insurance company to another, so be sure to read your policy document carefully to be informed of the inclusions and exclusions in your policy.

You May Also Like To Read:

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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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