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Bike Insurance Two Wheeler Insurance Online: Buy/Renew 2 Wheeler Insurance at Best Price. Compare bike insurance plans online to get FREE quotes. Choose the right insurer to buy/renew two wheeler insurance policy & save upto 75%.

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How to Buy Two Wheeler Insurance Online?

  • Fill Your Two Wheeler DetailsStep 1
    Fill Your Two Wheeler Details

    Provide your two wheeler details such as the make, model, etc, and get insurance quotes instantly from top bike insurance companies.

  • Compare Two Wheeler Insurance QuotesStep 2
    Compare Two Wheeler Insurance Quotes

    From all the available two wheeler insurance premium quotes, select the one which suits your budget & requirements in the best manner.

  • Make Payment Online
    Make Payment Online

    Pay the two wheeler insurance premium for the selected plan online and you are done!

Add-ons For Your Bike Insurance Policy

  • Zero Depreciation

    Like other assets, the value of your bike also depreciates constantly with time and the liability of this expense by default rests with the policyholder. A zero depreciation add-on protects you against the depreciation expenses incurred by your bike. Thus, if you opt for a zero depreciation cover, depreciation expense of your bike is not deducted from your claim amount at the time of a claim settlement. This add-on is available with comprehensive bike insurance plans as well as standalone bike insurance plans. This is one of the most popular and recommended bike insurance add-on covers.

  • Invoice Protection

    In case of total loss (more than 70% damage) or theft of your bike, the insurance company pays you the Insured Declared Value of your bike as compensation. However, this Insured Declared Value (IDV) is less than the invoice price which you pay at the time of purchasing your bike. The Invoice Protection add-on cover helps you claim the Invoice Price, i.e. total ex-showroom price of your bike plus taxes plus registration charges, of your bike in case of total loss or theft of your bike.

  • NCB Cover

    No Claim Bonus is the reward which is given to the policyholder for not making any claim during the policy period. This reward is offered by the insurer in the form of a discount on the own-damage premium of the bike insurance policy at the time of policy renewal. The NCB ranges from 20% to 50% of the own-damage premium depending on the number of claim-free years. However, if you make even a single claim during the policy period this NCB gets lost. But, with the NCB Cover, you can keep your NCB intact even after making a claim during the policy period.

  • Engine Protection Cover

    The damages incurred by the engine of the bike are by default not covered under a bike insurance policy. However, if you opt for an Engine Protection Cover, the insurer will be liable to compensate you for damages incurred by the engine of your bike such as damage due to leakage of lubricants, water ingress, hydrostatic lock, damaged gearbox, broken crankshafts or pistons and cylinders. The repair cost of the internal engine parts is often high and can sum up to thousands of rupees or more. Thus, addition of this add-on to your comprehensive or standalone bike insurance policy can save you from these expenses.

Bike Insurance Benefits at InsuranceDekho

Understand your bike insurance options. Identify the best value. Enjoy peace of mind
  • 5 Minutes Policy Issuance
    5 Minutes Policy Issuance

    Why spend hours and days in queues filling up the paperwork for bike insurance policy. The entire process from entering your bike details to finalising your policy and getting it issued takes only 5 minutes on InsuranceDekho.

  • Over 3 Lakh Policies Sold
    Over 3 Lakh Policies Sold

    A transparent and quick process, choice of numerous insurers, along with a dedicated team of experts make InsuranceDekho a trusted choice for many insurance buyers. More than 2 lakh happy customers are a testament to the same.

  • Dedicated Support Team
    Dedicated Support Team

    Feel free to reach out to our dedicated bike insurance team of experts, in case of any confusion. Be it buying your insurance policy, or support required incase of claim, our team of experts is at your service 7 days a week.

Find Right Bike Insurance Quotes by Bikes Body Type

  • Scooter
  • Sport
  • Cruiser
  • Commuter

Customer's Speak

2480 Reviews
Why did they insure their bike with InsuranceDekho
  • The InsuranceDekho issued me a ICICI Lombard insurance policy to secure my Bajaj Avenger Street 160 bike in no time. I just had to compare different quotes, choose one from them and make payment for it. After that, I got the policy instantly. I am happy with their service.
    Prompt policy issuanceIcici Lombard11th August, 2020
  • The services of Liberty insurance plan are extraordinarily great and have been taking care of my Suzuki RM Z450 bike for more than a year. Thank you so much to the InsuranceDekho team for suggesting me such a perfect bike insurance plan for my bike.
    Extraordinary insurance services!Liberty11th August, 2020
  • With the Insurance Dekho platform, I could easily renew my Future Generali insurance policy for my TVS Star City Plus bike in just 2 simple steps and a few minutes. This has been the best renewal experience I have ever got from different insurance platforms and firms.
    Simple to renew a policyFuture Generali11th August, 2020
  • I purchased a Kotak insurance plan for my Bajaj Dominar 400 bike from InsuranceDekho platform. The entire buying process was digitally enabled and I did not have to go through any paperwork due to that. It helped me get the policy document directly in my email too.
    Digitally enabled procedureKotak11th August, 2020
  • The InsuranceDekho website is equipped with the updated information related to insurance covers. The content helped me buy a New India insurance plan to secure my Royal Enfield Thunderbird 350X bike by gathering complete knowledge about different plans available in the market.
    Updated content availableNew India11th August, 2020
  • I have bought and renewed a DHFL bike insurance plan for my Honda CB Unicorn 160 bike through the payment gateway of InsuranceDekho. The payment gateways eased the payment process by making it smooth, swift and secured. I loved the payment system of this portal.
    Different payment modesDhfl11th August, 2020
  • InsuranceDekho platform offered me various types of add-on covers under the Bharti AXA insurance plan to widen its coverage for the protection of my Bajaj Pulsar RS200 bike. It helped me secure my bike in a better way and at affordable prices as well. I will recommend all my friends to buy plans from this portal only.
    Multiple add-on covers offeredBharti Axa11th August, 2020
  • The customer support team of InsuranceDekho is very prompt and due to their assistance only, I did not have to experience any insurance-related trouble in handling my Royal Sundaram insurance policy for my Hero Passion Pro 110 bike. Thanks a lot to their entire team.
    Active customer supportRoyal Sundaram11th August, 2020
  • I got a complete amount of claim from the Reliance insurance policy that I purchased to secure my Honda Activa. To get the claim without any hassle, the InsuranceDekho support team guided me well from the scratch and helped me to request the claim accurately without any error.
    Easy process of claim settlementReliance11th August, 2020
  • At InsuranceDekho, I could get different types of bike insurance policy quotes as per my budget and needs that later helped me purchase Tata AIG insurance plan to insure my Yamaha YZF R15 V3 bike. The compare and choose feature of your insurance portal is awesome.
    Compare and choose optionTata Aig11th August, 2020

What is Bike Insurance?

Bike insurance is an agreement between a bike owner and an insurance company wherein the latter promises to protect the former’s bike from unforeseen financial losses arising from unexpected events such as a road accident, theft, fire, natural calamities, vandalism and other such scenarios. In return for this promise, the bike owner pays an amount known as bike insurance premium to the insurance company.There are three types of bike insurance - Third Party bike Insurance Policy, Comprehensive bike Insurance Policy and Standalone Own-Damage bike Insurance Policy. As per the Indian Motor Tariff, every bike owner in India is mandatorily required to own at least a third party bike insurance policy. Driving a bike without an active third party bike insurance policy is a legal offence punishable with a fine of Rs. 2,000 and/or imprisonment of up to 3 months.

  • Comprehensive Bike Insurance

    Comprehensive Bike Insurance

    A comprehensive bike insurance policy is a cover under which the insurance company is liable to pay for damages caused to the third party property and life (including death) by the insured’s bike as well as for the own damages sustained by the insured’s bike. In addition to road accidents, the plan covers damages incurred during natural calamities, man-made disasters, fire, explosion, self-ignition or lightning, theft, terrorist activity, damage in transit by road, rail, inland waterway, lift, elevator as well as air. A policyholder can extend the coverage of a comprehensive bike insurance plan with the help of add-on covers such as zero depreciation cover, engine cover, roadside assistance cover, lost key, etc.

  • Third Party Bike Insurance

    Third Party Bike Insurance

    As per the Indian Motor Tariff, a third party insurance policy is a mandatory requirement if you want to drive a bike in India. Under this cover, the insurance company insures the policyholder against the third party liabilities such as bodily injuries, permanent/temporary liability, total/partial liability, as well as death of the third party caused by an accident involving the insured’s bike. The third party policy also provides coverage for property damage incurred by the third party up to Rs. 1 lakh. The plan does not provide coverage for own damages incurred by the insured’s bike. For the extensive coverage, you can buy a comprehensive bike insurance policy.

  • Standalone Own-Damage Bike Insurance Policy

    Standalone Own-Damage Bike Insurance Policy

    Under Standalone Own-Damage Bike Insurance plan, you get insurance coverage only for the own-damages sustained by your bike in a road accident, natural/man-made calamity, fire, explosion, theft or any other mishap. A standalone own-damage bike insurance policy aims at offering you the flexibility in terms of the insurer you want to choose. In order to stay compliant with the rules of the Indian Motor Tariff, you need to purchase a third party bike insurance policy either from the same insurance company or a different one.

Bike Insurance FAQs

  • 1

    How is a two-wheeler insurance premium calculated?

    Two-wheeler insurance is primarily of two types - third party and comprehensive. The premium for the former is decided by IRDAI (Insurance Regulatory and Development Authority of India) and is calculated on the basis of the two-wheeler’s engine capacity (CC). In a comprehensive two-wheeler insurance policy, the insurance provider takes many other factors like the two-wheeler’s make, model and variant, age of the bike, and RTO location into consideration while calculating a two-wheeler’s insurance premium.

  • 2

    Is two-wheeler insurance compulsory to ride a bike in India?

    Yes, there are no two ways about it! According to the Indian Motor Vehicles Act, 1988, it is mandatory for all vehicles plying on Indian roads to have a liability cover. Third-party injuries or damages will be payable by the insurance company in case of a genuine claim, in compliance with the terms and conditions of the insurance company.

  • 3

    What are the most popular add-on covers for two wheeler insurance?

    Add-ons are available to maximise coverage and broaden the scope of protection. In a bike policy, you can choose from a vast selection of add-ons ranging from zero depreciation, NCB protection cover, return to invoice, rider personal accident cover, consumables cover, roadside assistance cover and driver cover.

  • 4

    What are the various types of Bike insurance policies available?

    Typically, there are two types of Bike insurances policies to choose from – a third party liability policy and a comprehensive insurance policy.

  • 5

    How long is a bike insurance policy valid for?

    Traditionally, a two-wheeler insurance policy is valid for a year from the date of issuance. However, if you have opted for a multi-year or a long-term bike policy, the tenure extends.

  • 6

    When should you renew your bike insurance policy?

    Bike insurance policy renewal is a process that depends on the selected tenure. To avoid unnecessary troubles, you must renew your policy before it expires.

  • 7

    How to proceed with a bike insurance claim?

    Call your insurance company and inform about your claim. You can either choose for a cashless claim settlement option or settle for reimbursements post a claim.

Latest Bike Insurance News

*Standard T&C Apply. All savings/offers are provided by the Insurers which are subject to modification. For more details on risk factors, terms and conditions, please read the sales brochure of respective insurers carefully before concluding a sale. Girnar Insurance Brokers Private Limited, 4th Floor, Tower B, Emaar Digital Greens, Golf Course Extension Road, Sector-61, Gurugram-122102, Haryana. IRDAI License no 588. Direct Broker (General Insurance) valid till 19th March 2023. Email