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Top Factors That Affect The Premium Of Your Two-Wheeler Insurance

Updated On Sep 09, 2022

Top Factors That Affect The Premium Of Your Two-Wheeler Insurance

Getting a bike is an amazing thing to happen. However, accidents can happen, and if you are injured in one, you may need insurance to cover damage expenses and third-party liabilities. Various factors affect the premium of your bike insurance policy such as the make, model, variant of the two-wheeler, the city of registration, the type of cover chosen, etc. In this article, we talk about these factors in detail along with some tips on choosing the right bike insurance policy.

Top Factors That Affect The Premium Of Your Two-Wheeler Insurance

Tips For Choosing Bike Insurance Plans

Below are some tips for choosing the right insurance for your two-wheeler. Read on -

  • Make sure you have adequate insurance coverage. You may be able to get coverage as an owner or driver of a motorcycle, bicycle, scooter, or moped, depending on the state in which you reside. 
  • Compare prices and coverage levels. Several different types of insurance available offer different levels of protection. It’s important to compare rates and coverage so you can find the right policy for your needs. 
  • Get a policy that covers accidents, theft, and vandalism.

There are a few things you should keep in mind when deciding on the right motorcycle insurance policy for your needs. The most important factor to consider is the type of motorcycle you own. The premium may be higher for a sportbike than a cruiser, for example. You also need to think about your coverage needs. Are you only covered while riding? Do you need collision and comprehensive coverage? 

What is the use of Two-Wheeler Insurance?

The use of motorcycle insurance is not something that many people think about. After all, motorcycles are meant for riding around town, not racing on the open road. But accidents happen, and if you're unlucky enough to be involved in one, motorcycle insurance can help cover your costs.

Motorcycle insurance can help pay for medical expenses, lost wages due to the accident, and more. It's important to know what kind of coverage your policy offers and to make sure you have the right amount of coverage. And always be aware of your rights when it comes to filing a claim against an insurer.

Factors Affecting Two-wheeler Insurance

Motorcycle insurance rates vary depending on several factors, including the make and model of the motorcycle, your driving record, and your age. Here are five key factors that affect the premium of your two-wheeler insurance: 

  • Make and Model of Motorcycle: A Harley-Davidson motorcycle will cost more to insure than a Honda Civic. This is because Harley-Davidson motorcycles are considered high-end vehicles and tend to be riskier to insure. 
  • Age: Younger drivers tend to pay less for motorcycle insurance than older drivers. This is because younger drivers have fewer years of driving experience and are therefore likely to be safer motorcyclists. Young riders tend to be more reckless and their bikes are more likely to be damaged in an accident or stolen. This means that their premiums will also be higher.
  • Driving Record: A clean driving record will usually result in lower premiums for motorcycle insurance. Someone who has never ridden a motorcycle may find that their premiums are much higher than someone with years of experience riding two wheels responsibly
  • Location: If you live in a high-crime area, your premiums may be higher than if you live in a less dangerous area. 
  • Theft of Vehicle: Once you demand a claim for your two-wheeler, the insurer or your agent will re-check every possibility of whether or not you keep your vehicle safely. Therefore, you must look after your vehicle. 
  • Discounts, Offers, and Membership Benefits: If you are a member of organizations like AAI (Automobile Association of India) then, you can avail of several alluring offers. 


Obtaining the best motorcycle insurance rates is important for riders of two-wheelers. There are several factors that can affect premiums, including marital status, age, and location. Other things to keep in mind when shopping for motorcycle insurance include your driving record, coverage amounts and deductibles, and credit history. It’s also important to compare shops to find the best rates available.

Also Read: 

The Best Bike Insurance Plans In India

Comparison Between First Party And Third-party Bike Insurance


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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