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Two-wheeler insurance comparison - Importance, steps, and more

Published On Apr 29, 2021, Updated On Jul 21, 2021

Looking to purchase two-wheeler insurance online? Make sure to read this article before you do.

Purchasing two-wheeler insurance is now an extremely simple and convenient procedure since it can be done entirely online. From the convenience of your home or office, you can compare the different two-wheeler insurance policies, the quotes they are offering and their network of cashless garages to select the policy that is best suited to your requirements and price point. However, with purchasing insurance online it is important to know the basics of two-wheeler insurance. It will ensure that you make an informed decision when selecting your policy and that you save money in the long run.

Two-wheeler insurance comparison - Importance, steps, and more

What to Look for When Purchasing Two-Wheeler Insurance?

Following are the things to look out for when purchasing two-wheeler insurance online:

  • Compare Policies

    It is the most important and advantageous part of purchasing your insurance online. There are a range of policies to choose from and there is no one policy that is the best. Simply look for something that is best suited to your individual needs.
  • Claim Settlement Ratio

    One easy way to select the right two-wheeler insurance provider is to check their claim settlement ratio. This will easily tell you which insurance provider has the best chances of approving your claim in case of a mishap.
  • Customer Service Reviews

    In case of a mishap, the first interaction with the insurance provider will be with their customer service. Since most of us make such calls in times of crisis facing inefficient service can be a frustrating experience. The best way to avoid this is by reading the customer service reviews available on several platforms on the internet.
  • Terms and Conditions

    Once you have narrowed down on a few insurance policies make sure to read their terms and conditions. Here you will find in great details exactly what the coverage of the two-wheeler insurance will take care of. Make sure to check the exclusions of the policy with extra care.
  • Premium Calculator

    The premium calculator is a tool available on several websites including Insurancedekho and it will help you make a rough estimate of your two-wheeler insurance before you purchase a policy or start comparing them. 
  • Cashless Garages

    In case of a mishap where the two-wheeler needs to be repaired, if taken to a network garage the entire procedure can be handled in a cashless manner. Hence, it is crucial to make sure that the insurance provider you select has a wide network of cashless garages especially in your area.


In a nutshell, the above mentioned criteria if checked carefully will help you easily select a two-wheeler insurance policy that works well for your requirements. Moreover, make sure to also understand the meaning of certain basic terms in two-wheeler insurance such as Insured Declared Value (IDV), No Claim Bonus (NCB) and the use of the various add-on covers available. You can further enhance your two-wheeler insurance knowledge by reading our other articles.

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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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