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What Kind Of Damages Are Covered In My Two-Wheeler Insurance Policy?

Published On Sep 15, 2022

What Kind Of Damages Are Covered In My Two-Wheeler Insurance Policy?

A two-wheeler insurance policy can help protect you and your bike in the event of an accident. Two-wheeler insurance policies vary in terms of coverage, so be sure to read the policy carefully. Most policies cover you and your bike for injuries that occur while riding your bike, as well as damages caused to the bike.

Some policies also cover you if someone else is injured while using your bike, or if your bike is stolen. Make sure you have adequate liability coverage, in case someone sues you after an accident. If you own a two-wheeler, it's important to have insurance in case something goes wrong. Even if you only use your two-wheeler for recreational purposes, having insurance at last third party insurance cover is mandatory as per the law. 

What Kind Of Damages Are Covered In My Two-Wheeler Insurance Policy?

Things to Consider When Buying an Insurance Policy for Two-wheeler

Here are some things to keep in mind when purchasing two-wheeler insurance: 

  • Damages Covered: Make sure the policy covers you for both personal and property damages. The other key thing to remember when it comes to two-wheeler insurance is that you need to have comprehensive coverage. This means that your policy includes accidental damage and liability coverages. Comprehensive coverage will help protect you financially if something happens while you're riding your bike, and it will also help protect you from legal liabilities arising out of third party damages. 
  • Consider Rates from Different Insurers: Compare rates between different providers and find one that offers the best value for your needs. 
  • Coverage: Be sure to have enough coverage to cover costs such as damage to the bike, medical expenses, and lost wages if you're injured while riding or crashing your bike. 
  • Check your Policy: Review your policy frequently and update it as needed so that you're aware of any changes or updates that may affect your coverage. When it comes to two-wheeler insurance, the important thing to remember is that the policy needs to be renewed yearly.  TTypes of Damages Covered Under Two-wheeler Insurance Plans

When you buy a two-wheeler insurance policy, you're probably expecting to cover any damage that your bike may cause. But what kind of damage is covered? Here's a list of the most common types of coverage: 

  • Collision Coverage: This type of coverage pays for damages to your bike caused by another vehicle. It includes damages like damaged paint and shattered glass. 
  • Comprehensive Coverage: This type of coverage pays for damages that aren't covered by collision, like stolen property or damage from uninsured drivers. It provides coverage to the bike in case of man made and natural calamities as well.
  • Property Damage: This type of coverage covers damage to your bike caused by something other than another vehicle, like vandalism or a tree falling on it.
  • Personal Injury: This includes injuries sustained by you or someone else when using your bike.
  • Loss of Use of the Bike: If your bike is damaged and can't be used, this will cover your costs of getting a new one.
  • Liability Insurance: This protects you financially if someone is injured or killed while using your bike incorrectly or without proper insurance coverage. 


Your two-wheeler insurance policy will likely cover damages to the bike itself, as well as any injuries you may suffer in an accident. Some policies may also cover damage to your property, such as windows or doors that are broken by the bike. In most cases, however, you'll have to pay for the repairs yourself. Make sure you read your policy carefully before availing the coverage.

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

Easy Guide On How To Renew A Expired Two-Wheeler Insurance Policy


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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