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Motor Insurance
Bike Insurance Calculator
Premium Starts At ₹538*
Road trips, commutes, or quick errands—protection that follows you everywhere
Coverage Highlights
Get comprehensive coverage for your bike
Cashless Garages
7,200+ network garages for hassle free services
Own Damage Cover
Covers damage to your bike due to accidents, fire, theft and natural calamities
Third Party Liability
Unlimited liability for third party bodily injuries and INR 1 lac for third party property damage
Personal Accident Cover
Starting from INR 15 Lacs
No Claim Bonus
Up to 50%
Optional Covers
Wide range of Add Ons
On The Spot Claim Settlement
You can instantly register your bike insurance claim from the accident spot and get it settled within minutes through our Bajaj General App
24x7 Spot Assistance
Get 24x7 roadside assistance, ensuring help is always just a call away, no matter when or where your car breaks down
Note
Two-Wheeler TP Insurance Premiums starting at INR 538
Inclusions
What’s covered?Third Party Liability for Bodily Injury & Death (Unlimited Cover)
If an accident is caused by your bike and you are liable to compensate for any injury or death of others then we will pay the exact amount as by court.
Third Party Liability for Property Damage (up to INR 1 lac)
If an accident is caused by your bike and you are liable to compensate for any damage to property of others then we will pay amount upto the SI limit
Accidents
Damages and losses that arise out of accidents and collisions
Natural or Man-Made Disasters
Damages and losses to bike by events like floods, cyclones, earthquakes, riots or vandalism
Fire Damage
Damages and losses if your bike catches fire or explodes
Theft
Financial losses when your bike is stolen
In Transit Damage
If your bike is damaged while being transported, this covers the repair costs
Personal Accident
Coverage if your bike accident results in death or disability of bike owner
Add-On Covers
Multiple Add-Ons which you can buy with your bike insurance policy to enhance your coverage
Exclusions
What’s not covered?Intentional Damage
Any damage caused to the bike intentionally
Depreciation
Normal wear and tear of the bike due to usage and depreciation in value is not covered
Mechanical or Electrical Breakdown
If your bike suffers an electrical or mechanical breakdown, the cost of repairs would not be covered
Illegal Activities
Any type of illegal activity such as driving without a license, under the influence of alcohol and/or drugs, or using the car for criminal activity
Geographic Limits
Your insurance policy is only valid within India. If your vehicle meets with an accident outside the country, your claim will be rejected.
War-related Damages
Losses caused by war or nuclear risks are not covered
Overloading the Vehicle
If you exceed the weight or passenger limit specified for your bike, leading to an accident.
Unauthorised Vehicle Modifications
If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.
Racing or Speed Tests
If you participate in racing, speed tests, or illegal stunts and damage your bike, your claim will be denied
Note
Please read policy wording for detailed exclusions
Additional Covers
What else can you get?24x7 Road Side Assistance
Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more
Consumable Expenses
Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc
Zero Depreciation Cover
Every year the value of a bike depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands
No Claim Bonus Protector
Protects your No Claim Bonus even if you make a claim ensuring you get discount on your premium
Tyre Safeguard
This add-on cover can be fruitful if your car's tyre or tube gets damaged due to an accident. Tyre secure cover provides coverage for replacement expenses of tyres and tubes of the insured vehicle
Conveyance Benefit
If your car is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute
Engine Protector
Covers financial losses incurred due to damage to your car engine
Return to Invoice (RTI) Cover
Recover invoice value of your bike back in case of theft or total loss
What is a Bike Insurance Calculator?
A bike insurance calculator is a handy tool designed to simplify selecting an insurance plan. Instead of manually calculating the two-wheeler insurance premium amount, you can enter basic details about your bike, and the calculator will do the rest. This saves time and effort, making it quick and hassle-free to determine your insurance costs.
Features of Two-Wheeler Insurance Premium Calculator
Two-wheeler insurance premium calculators are user-friendly and offer various features:
Easy Input
Enter details like your bike's make, model, variant, and registration date.
Coverage Options
Choose between Third-Party Liability (TP) or Comprehensive coverage for a more personalised quote.
IDV Consideration
Some calculators allow you to adjust the Insured Declared Value (IDV) of your bike, impacting the premium amount.
Location Selection
Specify your location, as premiums can vary depending on your area's risk profile.
Add-on Cover Options
Explore adding optional covers like rider protection or roadside assistance to see the impact on the premium.
*Claims are subject to terms and conditions set forth under the motor insurance policy.
Benefits You Deserve
Reliable Customer Support
We have a dedicated call centre and chat support taking care of all your needs
7200+ Cashless garages
Wide network of cashless garages for hassle free service
On the Spot Claim Settlement
Register claim on accident spot and get it settled within minute on our app
Benefits of Bike Insurance Calculator
Well, that’s a smart question. We designed the Two Wheeler Insurance Premium Calculator to make the process of selecting an insurance plan hassle-free and quick. Rather than spending countless hours huddled over the calculator, trying to figure out the premium amount, you can simply enter your basic data and the calculator does the rest. Here are some of the benefits that a Two Wheeler Insurance Premium Calculator offers:
Quick And Hassle Free
If spending your weekend doing complicated math isn’t your idea of fun, we get you. Our Two Wheeler Insurance Calculator is quick, easy to use and doesn’t require any algebra!You can now calculate the insurance premium and get the right cover for your bike, all without leaving your couch! Head to our website, enter a few basic details and voila! Our Insurance Calculator calculates the amount of premium for your bike.
Make an Informed Decision
From reading up and selecting the bike best suited to your needs to finding the right gear and accessories, you want nothing but the best for your bike. So, why should your insurance plan be any different? Simply enter the necessary inputs to find out the insurance premium using the Bajaj General Two Wheeler Insurance Premium Calculator and you’re all set!
Helps you Plan Ahead
Creating a monthly budget helps you to map out your expenses and stay on track. With the Two Wheeler Insurance Calculator, you can factor in the monthly premium amount while you budget. All you need to do is enter a few details and the Calculator computes your premium amount in 10 seconds!
Factors Affecting Bike Insurance Premium
Before you head out on a bike trip, you have to factor in the climate, road conditions and more. This mental checklist helps you stay prepared for different scenarios. Similarly, we too take into account a host of factors to decide the amount of premium for your two-wheeler. One of the biggest factors you consider before purchasing a two-wheeler is the cost.
The cost of your Two-wheeler can indicate its quality as well as the features it offers. Think, premium segment bikes and scooters which are equipped with state-of-the-art features and a bigger price tag! Similarly, the amount of premium is determined by the insured declared value of your two-wheeler. In other words, the current market value of your vehicle will be a factor to find the amount of premium that you have to pay. So, the chances are that you have to pay a higher premium if your vehicle belongs to the premium segment.
Here are some of the other factors which influence the Two Insurance premium:
- Manufacturing Year of the Two Wheeler
- Model and subtype of the Two Wheeler
- Place of Registration for your Two Wheeler
No Claim Bonus
We, at Bajaj General, offer you an incentive for staying safe! For every year you remain claim free there is a discount of 10% on the own damage premium amount that you have to pay. The No Claim bonus will lower the payable premium amount up to a maximum of 50%.
Add on Covers
Add-on covers for two-wheeler insurance policy expands the scope of coverage for your two-wheeler, at an added premium.We offer a cover for personal accidents which covers the cost for the passenger. Our roadside assistance add-on cover protects you in the event of the breakdown of your two-wheeler. We also offer a Zero Depreciation Cover which helps you recover the actual cost of the damaged parts rather than the depreciated cost.
Two-Wheeler Insurance Premium Calculator for New Bikes
The calculator uses a two-wheeler insurance calculation formula to estimate your premium for new bikes. When using the calculator for a new bike, you must enter the manufacturer, model, variant, and year of purchase. This allows the calculator to estimate the IDV based on the bike's current market value, influencing the premium amount.
Two-Wheeler Insurance Premium Calculator for Old/Used Bikes
For used bikes, the calculator might ask for the year of registration alongside the make and model. You might also be able to input the bike's current IDV, which would likely be lower than the original market value due to depreciation. It can help you estimate a more accurate premium cost for your older two-wheeler.
At-A-Glance
Compare Insurance Plans Made for You
| Feature |
Third Party Liabilty Cover |
Own Damage Cover |
Comprehensive Cover |
Comprehensive Cover with Add-ons |
|---|---|---|---|---|
| Overview | Covers legal liabilities arising due to body injury or property damage to others due to your bike. It is mandatory by law. | Covers expenses arising out of damage to your bike. | Full fedged cover comprising of Third Party Liability cover and Own Damage covers | Enhance coverage by opting for various Add-ons over and above the comprehensive cover |
| Policy Period | 1/2/3 years | 1 Year | 1/2/3/5 years | 1/2/3/5 years |
| Third Party Liability for Injury, Death & Property Damage | Yes | No | Yes | Yes |
| Accidents & Collisions | No | Yes | Yes | Yes |
| Natural or Man-Made Disasters | No | Yes | Yes | Yes |
| Fire Damage | No | Yes | Yes | Yes |
| Theft | No | Yes | Yes | Yes |
| Compulsory Personal Accident | Yes | Yes | Yes | Yes |
| No Claim Bonus | No | Yes | Yes | Yes |
| Add-on: Zero Depreciation Cover | No | Yes | No | Yes |
| Add-on: Lock & Key Replacement | No | Yes | No | Yes |
| Add-on: 24x7 Roadside Assistance | No | Yes | No | Yes |
| Add-on: Consumables Cover | No | Yes | No | Yes |
| Explore more add-ons | No | 25+ Add On's | 25+ Add On's | 25+ Add On's |
Why Choose Bajaj General Bike Insurance Plan?
- Get instant claim settlement within 20 minutes with Motor On the Spot service
- Wide range of add on covers to enhance your policy
- 24x7 Roadside assistance across the country
Download Policy Document
Get instant access to your policy details with a single click.
Why Insure Your Bike with Bajaj General?
Buy Now
Motor & Health Companion
Drive Confidently with Bajaj General
Experience seamless vehicle management with the Bajaj General Drive Smart App, featuring on-road assistance, fuel efficiency stats, driving alerts, and more
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Discover a health plan tailored just for you–get insights and achieve your wellness goals
Take Charge of Your Health & Earn Rewards–Start Today!
Be proactive about your health–set goals, track progress, and get discounts!
Frequently Bought Together
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Step-by-Step Guide
To help you navigate your insurance journey
How To Buy
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1
Download the Bajaj General App from App stores or click "Get Quote"
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Register or log in to your account.
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Enter your bike details
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You will be redirected to the bike Insurance Page.
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Ensure to check your No Claim Discount
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Choose right Insured Declared Value(IDV) that reflects your bike value
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Evaluate Covers, Add Ons, Optional Covers and Exclusions
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Select a plan from the recommended options, or customize your own plan
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Review the premium and other coverage details
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Proceed with the payment using your preferred method
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Receive confirmation of your purchased policy via email and SMS
How To Renew
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Login to the app
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Enter your current policy details
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Review and update coverage if required
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Check for renewal offers
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Add or remove riders
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Confirm details and proceed
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Complete renewal payment online
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Receive instant confirmation for your policy renewal
How to Claim
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Download our Bajaj General App on Android or iOS
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Register or login to use Motor On the spot claim for a smooth process
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Enter your policy and accident details (location, date, time)
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Save and click Register to file your claim
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Receive an SMS with your claim registration number
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Fill in the digital claim form and submit NEFT details
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Upload photos of damaged parts as instructed
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Upload your RC and driving license
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Receive an SMS with the proposed claim amount
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Use the SMS link to agree/disagree with the claim amount
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Agree to receive the amount in your bank account
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Track your claim status using the Bajaj General App
Know More
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For any further queries, please reach out to us
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Phone +91 020 66026666
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Fax +91 020 66026667
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What Our Customers Say
Quick Claim Settlement
The entire claim process was effortless. I received my claim amount quickly, and the service was top-notch. Thanks, Bajaj Allianz!
Sanjay Rana
Tamil Nadu
10th Jan 2021
Affordable Premiums & Great Coverage
Extensive coverage at an affordable premium. The added benefits like roadside assistance make this policy a great choice!
Diya Kapoor
Jharkhand
15th Dec 2024
Cashless Repairs Without Hassles
Got my car repaired at a network garage without any paperwork. The cashless facility is truly a lifesaver!
Abhishek Mishra
Punjab
5th Feb 2020
Easy and Transparent Purchase
The policy purchase process was smooth. Everything was clear, and I got extensive coverage at a reasonable price!
Neha Agarwal
Goa
25th Jan 2024
FAQ's
How can I calculate my two-wheeler insurance premium online?
Visit the website and use their online calculator tool. Enter the required details and get an estimated premium.
What factors determine the premium amount when using a two-wheeler ins
The calculator considers your bike's make, model, age, IDV, chosen coverage (TP or Comprehensive), location, and claim history (if available).
Can I estimate the premium for different coverage options using the on
Yes, most calculators allow you to choose between TP and Comprehensive coverage to see how it affects the quoted premium.
How do I ensure accurate calculations when using a two-wheeler insuran
Provide accurate information about your bike, coverage preferences, and location. Remember, the IDV you enter significantly impacts the premium estimate.
What documents are required to calculate a two-wheeler insurance premi
Typically, no documents are required to use the calculator. You only need to enter details about your bike and desired coverage that are readily available to you.
Is it possible to calculate the premium for multiple bikes with a sing
While some calculators might allow multiple bike entries, it's usually easier to calculate premiums for each bike individually for better accuracy.
Can I use a two-wheeler insurance premium calculator to compare quotes
Yes, many calculators provide quotes from various insurers, allowing you to compare coverage options and pricing before finalising your choice.
How do insurance claims affect future premium calculations?
Past insurance claims can increase your future premiums, while a clean claim history can lead to lower premiums or discounts.
What should I consider regarding claim settlement ratios when choosing
When choosing an insurer, consider a higher claim settlement ratio. This indicates the insurer's efficiency in settling claims.
Are there any tips for using a two-wheeler insurance premium calculato
Be truthful about your information. Use the IDV adjustment feature to see how it affects the premium. Explore add-on covers to understand their impact on cost. Don't rely solely on the calculator; get quotes from insurers for a final decision.
Is there a time limit to claim health cover plans?
Claims should be made within the stipulated time as per the policy terms to avoid rejection and ensure timely processing.
What exactly are pre-existing conditions in an Individual Health Insur
Pre-existing conditions are medical conditions you had before buying your Individual Health Insurance plan. Coverage for these might require waiting periods or exclusions. Be transparent about your health history.
How is the insurer going to pay my hospital bills?
Insurers cover hospital bills through reimbursement (you pay upfront and get reimbursed later) or cashless hospitalisation (insurer settles bills directly with network hospitals).
Are there any tax advantages to purchasing Individual Health Insurance
Individual Health Insurance premiums often qualify for tax deductions under Section 80D of the Income Tax Act (India).
Why should I need Personal Medical Insurance?
Personal medical insurance offers financial protection against unexpected medical expenses due to illness, accidents, or hospitalisation. It provides peace of mind and safeguards your savings.
How do I go about renewing health insurance plans?
Don’t stress the small things in life! The easiest and quickest way to renew your life insurance policy is by doing it online. Topping up your health cover gives you freedom from worrying about heavy medical expenses.
How is the health insurance renewal premium calculated?
We know that reading through the ponderous terms and conditions section of a health insurance policy isn’t always easy. So, here is the quick answer. Your renewal premium is calculated based on your age and coverage. As always, you can put the power of compounding to good use by investing in health insurance as early as possible.
Can I renew my expired health insurance policy?
Yes, of course. Life can get really busy and even things as important as renewing your health insurance plan can get side-lined. With Bajaj General, we turn back the clock to give a grace period where you can renew your expired policy. For 30 days from the expiry date, you can still renew your health cover with ease. Now, you can run the race at yo
Can I renew health insurance online?
Absolutely! All you have to do to renew your health insurance is click or tap a few times! You can definitely renew health insurance policies online and also buy new policy for your family & friends click here to know more.
Will I be able to transfer my health insurance policy from another pro
Yes, as per IRDAI regulations, insurance portability between providers is allowed. This also includes transfer of benefits like Cumulative Bonus and credits relating to waiting period for pre-existing diseases.
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