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What Is Covered by Bike Insurance and What Isn't

Updated On Jun 15, 2022

What Is Covered by Bike Insurance and What Isn't

Understanding the fundamentals of your two-wheeler insurance isn't difficult. Most people believe that terms and conditions are difficult to comprehend, however, this is not the case. Making a claim on your two-wheeler insurance coverage might be simple if you understand the numerous benefits and restrictions. The essential facts concerning the contents and exclusions of your two-wheeler insurance will be discussed in this post. Purchase two-wheeler insurance for your bike as part of your responsibilities as a bike owner, since it is required by law and also useful to you. It provides financial protection in the event of a disaster or damage to your car. As a result, it's critical to understand all of the different includes and limitations that come with various bike insurance policies. Continue reading to learn about some of the most frequent ones.

What Is Covered by Bike Insurance and What Isn't

Two-Wheeler Insurance Policy Inclusions And Exclusions

When your bike has lost a significant portion of its market value due to normal depreciation, third-party bike insurance is an option. Typically, the depreciation rate is set at 10% for the first five years, then drops to 5% each year after that. If your bike is more than 5 years old, it loses half of its worth. You can readily consider third-party coverage in this circumstance. Continue reading to learn about the many sorts of features and limitations that come with a comprehensive bike insurance plan to ensure that you have a thorough grasp of the coverage provided by this form of insurance.


Under comprehensive bike insurance, the following is covered:

  • Liability to a Third-party:

If a third-party bike insurance policy is involved in an accident or collision with your car, your comprehensive insurance will cover any damage they cause. This will encompass both personal harm and car damage.

  • Damage Caused by Oneself

Own damage coverage will pay for any damage to you, the car's owner/driver, as well as your own vehicle. In a number of instances, comprehensive insurance will cover your own damage:

  • Floods, earthquakes, and other natural disasters create damage.
  • Theft, other nefarious deeds, and other man-made disasters are all examples of man-made disasters.
  • Comprehensive bike insurance will also cover damage caused by riots, fires, and other non-third-party causes.


The following are some frequent exclusions that apply to comprehensive bike insurance. However, these are not universal, and it is critical that you thoroughly study your policy to determine whether exclusions apply to your insurance, since this information will be useful when filing a claim.

  • If you're riding without a legal driver's licence, you're breaking the law.
  • Any occurrence occurring outside of India's territorial boundaries
  • If the rider is inebriated or under the influence of any other drug
  • Breakdown as a result of the vehicle's age, or damage as a result of normal wear and tear
  • Damage caused by a war or a mutiny
  • Damage to tubes or tires, unless the damage occurs as a result of a collision in which the vehicle is harmed.

Take Away

The inclusions and exclusions listed above are not exhaustive. It's critical to study your policy thoroughly to understand its coverage and restrictions. Make certain you understand the terms of your insurance coverage. Now that you've learned about insurance inclusions and exclusions, you'll be able to tell what is and isn't covered under a third-party and comprehensive auto insurance policy. So, before you get bike insurance online, make sure you understand the policy's coverage and restrictions. When you know exactly what coverage you have, it will be much easier to file a claim and have it handled quickly.

Also read: Factors to Consider When Buying an Electronic Two-Wheeler Insurance Policy

10 Things to Think About Before Buying a Used Bike


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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