Bike&Two-WheelerInsurance
Protect your motorcycle, scooter, or electric two-wheeler against accidents, theft, and third-party liabilities. Compare quotes across reputable general insurers with instant advisory support.
Types of Bike Insurance Policies
Comprehensive Two-Wheeler Plan
Best ProtectionFull coverage for motorcycles and scooters covering accident repairs, theft, fire, flooding, and compulsory third-party legal liability.
Third-Party Two-Wheeler Cover
Mandatory by LawMeets legal criteria under the Motor Vehicles Act by covering financial liabilities for third-party injury, death, or property damage.
Standalone Own-Damage (OD) Cover
For Active TP PoliciesIdeal for new two-wheelers with mandatory 5-year third-party cover that need renewal for 1-year own damage protection.
Recommended Bike Add-On Covers
Zero Depreciation Cover
Get full settlement without standard depreciation deductions on plastic, rubber, fiber, and metal components during repair.
24x7 Roadside Assistance (RSA)
Emergency on-road mechanical assistance, puncture repair, fuel delivery, and towing support in case of a breakdown.
Personal Accident Cover for Pillion Rider
Extends financial protection and accidental medical cover to the pillion passenger riding with you.
Consumable Cover
Covers engine oil, grease, brake fluid, washers, nuts, and bolts consumed during authorized accident repairs.
How Cashless Two-Wheeler Claims Work
Immediate Claim Notification
Inform the insurer or our advisory desk promptly following an accident, theft, or third-party collision.
Network Garage Inspection
Move the vehicle to an authorized network garage where the insurance surveyor conducts digital assessment.
Document Verification
Submit RC copy, valid driving license, and incident claim form for quick approval.
Direct Cashless Handover
The insurer directly pays admissible repair bills to the garage. You pay only the statutory deductible.
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Two-Wheeler Insurance FAQs
Clear answers regarding bike insurance coverage and claims.
Is two-wheeler insurance legally compulsory in India?
Yes. Under the Motor Vehicles Act, 1988, having at least an active Third-Party Liability insurance policy is legally mandatory for riding any motorcycle, scooter, or registered electric two-wheeler on Indian public roads.
Can I renew a two-wheeler policy that has been expired for months?
Yes. Break-in policies can be renewed. Depending on the insurer and tenure of expiry, a quick self-inspection photo/video verification via smartphone may be conducted prior to policy issuance.
Are electric scooters (EVs) covered under two-wheeler insurance?
Yes. Electric scooters and electric motorcycles are fully covered, including battery damage and electrical components, subject to specific EV underwriting terms of the insurer.
What is NCB and how much can I save on bike insurance?
No Claim Bonus (NCB) is a reward discount for every claim-free year, ranging from 20% for 1 claim-free year up to 50% for 5 consecutive claim-free years. NCB applies directly to the Own Damage premium component.
