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What Does A Long Term Bike Insurance Policy Cover?

Published On Jan 24, 2021 11:00 AM By InsuranceDekho

Have you ever wondered what is covered by a long term bike insurance policy? Read on to find out about the situations covered by it, as well as those excluded.

Long term two wheeler insurance is beneficial in a lot of ways. In the case of long term insurance, you will get a longer policy tenure than a standard two-wheeler insurance cover. Its tenure can be for 3 years or 5 years depending on the extent of coverage that you choose. 5 years of third party cover is mandatory to be purchased alongside a new bike by all-new bike owners. When you purchase a long term insurance policy, you will not need to worry about renewing your policy annually.

Further Reading: Long Term Two Wheeler Insurance Policy Online Explained

Inclusions And Exclusions In A Long Term Bike Insurance Policy Cover

Every policy is different. It is important to go through your policy document carefully to understand the inclusions and exclusions within it, and promptly raise any concerns you have with your bike insurance company. Here is a list of common inclusions and exclusions within a comprehensive long term bike insurance policies so you may have an indication of what is covered by it:


Damage caused by the following are covered -

  • Fire
  • Flood
  • Frost
  • Theft
  • Tempest
  • Typhoon
  • Earthquake
  • Explosion
  • Accident
  • Cyclone
  • Landslide
  • Terrorism
  • Inundation
  • Lightening
  • Rockslide
  • Hailstorm
  • Hurricane
  • Self-Ignition
  • Riot & Strikes
  • Malicious Acts
  • Transit by Rail, Road, Air & Elevator


  • Regular vehicular wear and tear with normal use
  • Mechanical or electrical breakdown of the two wheeler
  • A vehicle not used in accordance with the limitations of its use, e.g. if your two wheeler is used for commercial purposes
  • If the two wheeler is being driven by someone without a valid license
  • If there is a loss or damage caused by someone riding the two wheeler under the influence of alcohol or other substance
  • Any loss or damage due to depreciation in the vehicle’s value
  • Consequential loss, that is, if any original damage causes subsequent damages or loss, only the original damage will be covered by the insurance policy
  • Damage to tubes and tyres will be excluded, unless damage to the vehicle occurs at the same time in which case the insurance company will bear 50% of the cost of replacement
  • Loss or damage to accessories installed on the two wheeler by theft or burglary, unless the vehicle is simultaneously stolen

Also, Read:

Why You Should Always Go Through Your Bike Insurance Policy

Long- Term V/S One Year Two Wheeler Insurance Policy Compared

5 Benefits of Long Term Two Wheeler Third Party Insurance


Remember to read your policy document carefully as every insurance company and policy is different. Some of the common inclusions and exclusions in long term comprehensive bike insurance policies have been mentioned here.

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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