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What is the Difference between Comprehensive & Third-Party Two Wheeler Insurance?

Published On Dec 06, 2020, Updated On Dec 31, 2020

While the law requires you to insure your bike at least up till Third Party insurance, you may wish to explore additional options including comprehensive cover. Let’s learn all about the difference between the two.

Comprehensive and third party two wheeler insurance are nothing but two different types of insurance coverages that you can avail of for your bike or two wheeler. There are many differences between them, primarily the level of coverage afforded by each one. Let’s read all about the difference between the two so that you may assess which one is most suitable for your needs and preferences.

Comprehensive Insurance

Third Party Insurance

Is it Legally Necessary?

Comprehensive bike insurance is not legally required. As it is a combination of third-party and own damage coverage, it is up to your discretion if you would like to purchase it.

As per the Motor Vehicles Act of 1988, you are legally required for your bike to be insured at least up till Third Party insurance. Additional coverage is up to your discretion.


The coverage in comprehensive insurance is extensive. You would be covered in case of theft or loss, as well as total damage. The coverage would extend to any damage sustained by your vehicle, whether it is in an accident that involves a third party or otherwise. It would also cover the damage sustained by the third party.

Third-Party insurance only covers the damages sustained by a third party in case of an accident involving your vehicle.

Add Ons

With comprehensive insurance, you can additionally avail of add-ons at an additional premium. These could include zero depreciation cover, engine protection cover, accessories cover, and others, which may protect you in circumstances which are outside the coverage of standard comprehensive insurance.

You will be able to avail of personal accident cover but other than that, add ons are not available with third-party insurance.


Comprehensive insurance would have a higher premium as compared to third party.

Third-Party insurance would have a lower premium cost.


You are now aware of the basic differences between comprehensive and third party bike insurance. Each is different and you should make a choice between them based on your personal needs and preferences. If your bike is never out on the road you may think of choosing third party instead of comprehensive insurance, however, it is important to note it does not come with theft cover. Keep considerations such as this in mind when making a choice between the two types of insurance.

You May Also Like to Read

Personal Accident Cover in Two Wheeler Insurance Explained

Important Components of Your Comprehensive Two Wheeler Insurance

Disclaimer: This article is issued in 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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