Tips for Buying a Bike Insurance Policy Online for the First Time

A bike insurance policy offers financial protection against unexpected events, safeguarding both you and your vehicle. When you plan to buy bike insurance online, choosing a reliable insurer and the right policy type is essential.

If you are new to the process, understanding key factors can make it easier. Due to the digital transformation of India’s insurance sector, it is now easier than ever to buy bike insurance online, compare options, and secure the right coverage with minimal effort. Keep reading to understand all the tips and tricks to keep in mind when buying a bike insurance policy online for the first time.

What is a Bike Insurance Policy?

Bike insurance is a protective financial cover for your two-wheeler. If, in any circumstances, you and your bike meet with an accident, this two-wheeler insurance policy will help cover the damage that might have been caused to your vehicle and the third party.

An insurance company provides this service by charging you an annual premium, which is the standard payment cycle for motor insurance in India.

When planning to buy bike insurance online, you can consider the following two most popular options:

1. Third-Party Liability Cover: This insurance protects your vehicle against legal and financial liabilities if it causes bodily injury, death, or property damage to a third party.  Under the Motor Vehicles Act, this is the minimum legal requirement to ride on Indian roads.

2. Comprehensive Bike Insurance Policy: This plan provides coverage for a wide range of risks, including accidental damage, theft, and natural and man-made disasters. It also includes the mandatory third-party cover, making it an all-inclusive shield for your asset.

Protecting your bike against these damages and liabilities is crucial, as is choosing the right insurance plan. Bajaj General Insurance combines comprehensive coverage with third-party liability to provide the most comprehensive protection. Explore to get quotes today!

Also Read: RTO Charges for New Cars in India (State-Wise)

What are some Tips for Buying First-Time Bike Insurance?

One key tip when buying two-wheeler insurance online is to keep all your vehicle's details ready and carefully evaluate the Insured Declared Value (IDV). Some other tips to follow for buying first-time bike insurance online are as follows:

Selecting the Right Insurance Company

The first step would be choosing the right insurance company. It is as important as choosing a suitable insurance company. Keep in mind that an insurance company not only gives you insurance options, but also offers other services. Ensure you visit the company’s page and read about the services they offer. 

Have the Details Ready

Once you have determined the insurance company, you need to have your bike’s details ready. This is crucial because your premium is calculated based on your bike’s cubic capacity (CC), engine type, and the manufacturing date. You can easily get these details from your bike’s invoice or the physical registration card.

Choose the Right Policy

As reported by News 18, fatal road accidents in India rose sharply in 2025, reaching 15,715 deaths, which is about 43 deaths daily, nearly ten times higher than in 2023. Given this risk, opting for comprehensive bike insurance with adequate coverage and roadside assistance is essential, as basic plans may not offer sufficient protection.

Choose the Right Add-Ons You Need

Do not go overboard when choosing add-ons to your coverage. For each add-on you choose, the amount is added to the insurance premium you pay annually. Therefore, it is important to understand what add-ons you actually need. You can include add-ons such as 24x7 roadside assistance, zero depreciation, and Return to Invoice Cover in your plan. 

Thoroughly Read the Policy Document

For first-time motorcycle insurance buyers, it is important to read the policy documents entirely. By reading the document thoroughly, you will learn what is covered and what is excluded from the plan. For instance, common exclusions include wear and tear or mechanical breakdown, which new policyholders often misunderstand. This will help you make an informed decision while purchasing a plan.

Whether you are a first-time buyer or planning for two-wheeler insurance renewal, selecting the right insurance company and choosing the appropriate add-ons ensures safety on the roads.

At Bajaj General Insurance, you can add on Depreciation Shield, EMI Protect, and 24X7 Spot Assistance to enhance your coverage. 

What is the Process of Buying Two-Wheeler Insurance Online?

You can easily buy a two-wheeler insurance policy online as a first-time buyer using the Bajaj General Insurance portal. All you need to do is follow the steps mentioned below:

Step 1: From the ‘Product’ tab, select two-wheeler insurance and click on ‘Get Quote.’

Step 2: You will see the page open from where you can initiate the buying process by entering basic details.

Step 3: Select whether it is a ‘Registered Vehicle’ or ‘Brand New Vehicle.’

Step 4: For a brand new vehicle, provide your RTO city name and mobile number. 

Step 5: For a registered vehicle, provide your vehicle registration number, your name, and contact number. Click on 'Request OTP'. 

Step 6: Now you can choose between third-party cover and comprehensive cover, and add your desired add-ons to customise your protection.

Step 7: Once you are done selecting the plan type and the add-ons, you can pay by using a secure payment method such as UPI, Credit/Debit card, or Net Banking. 

Step 8: You will get the policy document details instantly at your registered mobile number and email address.

Also Read: RTO Charges for New Bike in India | Registration & Costs

What Documents Should Be Kept Handy When Buying First-Time Motorcycle Insurance?

For a first-time bike insurance purchase, the insurer may ask for specific details, such as your identity proof, your address, and vehicle ownership proof. Below is the complete list of documents you need to keep handy.

Identity Proof

1. Aadhar Card

2. Voter ID

3. PAN Card

4. Driving License

Address Proof

1. Passport

2. Ration card

3. Recent utility bills, such as electricity, water and gas

Bike’s Registration Certificate

1. Engine number

2. Chassis number

3. Vehicle number

4. Vehicle registration details

Also Read: How to Clean and Lubricate Your Bike’s Chain?

Final Words

Buying insurance for a new bike is a great start that you can take today. However, keeping it active through regular renewals is also extremely important. A lapsed policy not only leaves you vulnerable but also results in the loss of the No Claim Bonus (NCB) you may have accumulated. If you tend to forget due dates, consider a long-term policy with at least a 5-year tenure to ensure continuous coverage.

Choose the right plan from Bajaj General Insurance and buy bike insurance online with a few easy steps. 

Frequently Asked Questions

What to check before buying bike insurance?

You need to check the coverage type, deductibles, add-ons, garage networks, and the insurance company's Claim Settlement Ratio. Checking these factors will ensure you are choosing the best possible insurance plan for your specific needs.

What are the things you need to consider when buying a bike?

Before buying a bike, you need to ensure the purpose, budget, and comfort, including ergonomics such as seat height and weight. Additionally, consider serviceability, fuel efficiency, and a thorough test ride. The cost of insurance should also be factored into your budget, as higher CC bikes often attract higher premiums.

How to choose an insurance company to buy bike insurance?

Whenever you plan to buy bike insurance online, ensure you choose a company with a strong CSR record. Additionally, choose a provider like Bajaj General Insurance that offers access to 7,200+ network garages, so you can easily find a repair centre, regardless of your location in India.

Is it mandatory to buy a bike insurance policy?

Yes, under the Motor Vehicles Act, it is mandatory to buy a bike insurance policy. You need to have at least third-party liability coverage to drive safely and legally on Indian roads. Driving without valid insurance can lead to heavy fines and legal complications.

What is a No Claim Bonus?

In simple terms, a No Claim Bonus (NCB) is a reward provided by the insurers to the policyholders for not making any claims during the policy year. This bonus acts as a discount on the Own Damage (OD) portion of the premium. As a result, your bike or vehicle insurance renewal cost decreases significantly over time.

**Standard T&C apply

Disclaimer: Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.