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    Motor Insurance

    Comprehensive Bike Insurance

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    Premium Starts At ₹538*

    Road trips, commutes, or quick errands—protection that follows you everywhere

    Coverage Highlights

    Get comprehensive coverage for your bike
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    • Cashless Garages

    7,200+ network garages for hassle free services

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    • Own Damage Cover

    Covers damage to your bike due to accidents, fire, theft and natural calamities

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    • Third Party Liability

    Unlimited liability for third party bodily injuries and INR 1 lac for third party property damage

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    • Personal Accident Cover

    Starting from INR 15 Lacs

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    • No Claim Bonus

    Up to 50%

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    • Optional Covers

    Wide range of Add Ons

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    • 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

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    • 24x7 Spot Assistance

    Get 24x7 roadside assistance, ensuring help is always just a call away, no matter when or where your car breaks down

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    • Note

    Two-Wheeler TP Insurance Premiums starting at INR 538

    Inclusions

    What’s covered?
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    • 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.

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    • 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

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    • Accidents

    Damages and losses that arise out of accidents and collisions

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    • Natural or Man-Made Disasters

    Damages and losses to bike by events like floods, cyclones, earthquakes, riots or vandalism

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    • Fire Damage

    Damages and losses if your bike catches fire or explodes

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    • Theft

    Financial losses when your bike is stolen

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    • In Transit Damage

    If your bike is damaged while being transported, this covers the repair costs

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    • Personal Accident

    Coverage if your bike accident results in death or disability of bike owner

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    • Add-On Covers

    Multiple Add-Ons which you can buy with your bike insurance policy to enhance your coverage

    Exclusions

    What’s not covered?
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    • Intentional Damage

    Any damage caused to the bike intentionally

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    • Depreciation

    Normal wear and tear of the bike due to usage and depreciation in value is not covered

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    • Mechanical or Electrical Breakdown

    If your bike suffers an electrical or mechanical breakdown, the cost of repairs would not be covered

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    • 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

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    • 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.

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    • War-related Damages

    Losses caused by war or nuclear risks are not covered

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    • Overloading the Vehicle

    If you exceed the weight or passenger limit specified for your bike, leading to an accident.

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    • Unauthorised Vehicle Modifications

    If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.

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    • Racing or Speed Tests

    If you participate in racing, speed tests, or illegal stunts and damage your bike, your claim will be denied

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    • Note

    Please read policy wording for detailed exclusions

    Additional Covers

    What else can you get?
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    • 24x7 Road Side Assistance

    Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more

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    • Consumable Expenses

    Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc

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    • 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

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    • No Claim Bonus Protector

    Protects your No Claim Bonus even if you make a claim ensuring you get discount on your premium

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    • 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

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    • Conveyance Benefit

    If your car is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute

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    • Engine Protector

    Covers financial losses incurred due to damage to your car engine

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    • Return to Invoice (RTI) Cover

    Recover invoice value of your bike back in case of theft or total loss

    What is Comprehensive Bike Insurance?

    Comprehensive bike insurance is a type of two-wheeler insurance policy that provides broader protection & coverage for your two-wheeler. A comprehensive two-wheeler insurance online covers damage to your bike or scooter from several situations you encounter with your two-wheeler as well as third-party liability.

     

    You can prevent expensive repairs with this all-inclusive two-wheeler insurance. Bike users can also choose bike insurance add-on coverages with this policy. Therefore, a two-wheeler package policy from Bajaj General provides financial security while riding on Indian roads.

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    Quick Overview

    • 1

      Exclusive features: You can avail cashless garage repairs, riders' add-ons, protection against theft, and other features while buying a comprehensive bike insurance policy.

    • 2

      No-claim bonus: It offers a no-claim bonus, from which you can take advantage of a premium discount of 20% to 50%.

    • 3

      Claim process: It has a hassle-free claim settlement process. You may file a claim by downloading the Bajaj General App.

    • 4

      Personal accident cover: It offers financial protection in the event of death or a temporary or permanent disability from accidents.

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      Coverage for natural calamities: This policy also provides you with financial coverage due to losses from earthquakes, floods, and other natural calamities.

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      Customer support: You can get 24/7 support from the internal team regarding your comprehensive bike insurance policy.

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      Insured Declared Value: If the damage to your bike is irreparable, you can claim the insured declared value of your two-wheeler.

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      Premium reduction: You can reduce the premium by renewing on time and avoiding filing small claims.

    Read More

    Features of Comprehensive Bike Insurance

    Have a look at the key features of a comprehensive bike insurance policy:

    Benefits of Comprehensive Bike Insurance

    You can get complete protection and peace of mind after buying comprehensive bike insurance. Let us explore the benefits in more detail:

    Comprehensive Bike Insurance at a Glance

    Before purchasing a policy, have a look at the comprehensive bike insurance features and what they are at a glance:

    Sr. N Features What is it?

    1

    Reliable Customer Support

    You can contact us anytime you want during the day. We handle all of your service needs with a dedicated call centre and chat assistance on our website.

    2

    7200+ Cashless Garages

    We offer a large network of cashless garages. You can take your bike to one of them for repairs if it is damaged. By doing this, you avoid having to make big upfront payments.

    3

    On-Spot Claim Settlement

    We offer one-stop claim settlement, which allows you to file a claim right away after an accident. Through our app, we resolve your claim in a matter of minutes.

    4

    Zero Depreciation Cover

    An add-on policy that guarantees no depreciation deduction during claim settlement is zero depreciation cover. Without taking wear and tear into consideration, it enables the policyholder to get the entire claim amount for repairs or part replacements. 

    5

    Multi-Year Policy Tenure

    When you have comprehensive bike insurance with a multi-year policy duration, your bike is protected for a long time. This can usually be 2  or 3 years for old vehicles. 5 years for new vehicle.

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    Coverage During Transit

    Our comprehensive bike insurance policy also provides coverage during transit. This feature shields your motorbike or scooter from loss or physical harm while it is being moved.

    Comprehensive Bike Insurance vs Third-Party Bike Insurance

    You must understand the differences between comprehensive bike insurance and third-party bike insurance. Here are the key distinctions:

    Parameters Comprehensive Bike Insurance Third-Party Bike Insurance

    Legal Requirements 

    Not mandatory

    It is mandatory

    Coverage

    All-round protection for your bike 

    Only protects against third-party liabilities 

    Premium Amount 

    Higher

    Lower

    Customisation

    High

    Low

    Claim Settlement 

    Your insurer

    Motor Accident Claims Tribunal

    Financial protection

    Extensive

    Basic

    Why Do You Buy Comprehensive Bike Insurance online?

    New bike owners and road trip enthusiasts should buy a bike insurance policy. Here is why you should buy comprehensive bike insurance online:

    • Vehicle Protection

      A comprehensive bike insurance policy covers the expenses of damage repair to your insured two-wheeler, if it is repairable. If the damage is irreparable, then you can claim the IDV of the two-wheeler.

    • Covers Personal Injuries

      It also helps you get coverage from two-wheeler plans for personal injuries while riding your two-wheeler. If you have a valid driver’s license, this plan covers medical expenses during an accident.

    • Death and Partial Disability Coverage

      This bike insurance policy also provides financial assistance to the rider for partial or complete physical disability with personal accident cover. In addition, the family will also get a death benefit for the demise of the rider.

    • Direct Cost Savings

      You can easily bypass bike insurance agents while buying a policy online. Since you do not have to pay third-party commission fees, insurers may charge lower premiums or offer online discounts.

    • Instant Policy

      After you make the payment for a comprehensive bike insurance policy, you can get the policy documents online via email instantly. Insurance providers offer a 100% paperless process

    • Transparency and Policy Details

      Online bike insurance buying allows you to view all the policy details from your insurer directly. You can see the inclusions, exclusions, premium breakups and much more before purchasing.

    • Saves You Money

      Buying bike insurance from the dealership might show you quote for higher premiums as they work on commissions. The online process eliminates these hidden charges, so you only pay what you see.

    • Easy Premium Calculation

      While buying an online bike insurance policy, you can calculate your premium. You need to share the details of your model, variant, your engine’s cubic capacity and other details on your insurer’s website.

    How to Calculate Comprehensive Bike Insurance Premiums?

    The premium for a comprehensive bike insurance policy is influenced by several factors. Let us understand what determines the overall cost: 
    Determine your bike's Insured Declared Value (IDV) based on its current market value.
    Add the own-damage premium, which covers damage to your insured bike.
    Include the third-party liability premium as mandated by regulations.
    Select any add-on covers, such as zero depreciation or roadside assistance.
    Apply eligible No Claim Bonus (NCB) discounts to reduce the premium.
    Factor in the bike's make, model, age, and engine capacity during calculation.
    The final premium is the sum of coverage costs minus applicable discounts.
    Consider the registration location, as risk levels vary across regions.

    How to Reduce Your Comprehensive Bike Insurance Premiums?

    You can reduce your comprehensive bike insurance premiums by maintaining a clean driving record. Here are the other ways to reduce it:

    Why Should You Buy Comprehensive Bike Insurance from Bajaj General?

    Below are the different reasons why you must buy a comprehensive bike insurance-two-wheeler package policy from Bajaj General Insurance:

    Expand Your Coverage Today!

    Named Driver Cover

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    Exclusive Savings: Special discounts for named drivers.

    Extended Coverage: Protects any car driven by you.

    24x7 Spot Assistance

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    Immediate Help: Round-the-clock roadside assistance.

    Towing, fuel delivery, tyre repair and many more.

    Eco Repairs

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    Sustainable Solutions: Repairs using refurbished parts.

    Cost-effective repairs with no depreciation on parts.

    Ultimate car protection with the option of 22 covers

    Towing, pick up and drop, fuel service, flat tyre and more.

    Pay As You Consume

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    Smart Savings: Pay less based on miles driven

    Carry forward unconsumed kilometers to the next plan.

    How are Total Loss (TL) and Constructive Total Loss (CTL) Are Determined

    The bike's current market value at the time of policy purchase is used to compute the total loss claim amount. After deducting applicable deductibles, such as mandatory and optional deductibles specified in the policy, the insurer pays the IDV.

    Adjustments such as depreciation may also be taken into consideration in certain situations, if applicable under the conditions of the policy.

    Conversely, a bike is declared as Constructive Total Loss (CTL) if the projected cost of fixing a bike is over 75% of its Insured Declared Value (IDV). The insurer writes off the bike even if it is theoretically repairable since the repair expenses are too high.

    Step-by-Step Guide

    How to Buy, Renew & Claim Comprehensive Bike Insurance Online?

    How To Buy

    • 1

      Download the Bajaj General App from App stores or click "Get Quote"

    • 2

      Register or log in to your account.

    • 3

      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

    • 1

      Login to the app

    • 2

      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

    • 1

      Download our Bajaj General App on Android or iOS

    • 2

      Register or login to use Motor On the spot claim for a smooth process

    • 3

      Enter your policy and accident details (location, date, time)

    • 4

      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

    • 2

      Toll Free: For Sales: 1800-209-0144

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      Email ID: careforyou@bajajgeneral.com

    Download Comprehensive Bike Insurance Policy Documents

    Get instant access to your policy details with a single click.

    What are the Documents Required for Comprehensive Bike Insurance?

    You need to submit some documents to buy a comprehensive bike insurance policy. Here is the list of documents you must submit:
    1
    Proof of Identity
    2
    Registration certificate of the bike
    3
    Proof of address
    4
    Old policy number for NCB of your existing policy

    What are the Comprehensive Bike Insurance Terms You Need to Know About?

    • 1

      Add-On Coverages: Add-on riders can cover certain damages that are not covered by your base policy. With comprehensive bike insurance coverage, you can choose each one separately. The add-on riders draw an additional premium.

    • 2

      Exclusions: Another crucial term in a glossary for comprehensive bike insurance is exclusion. These are the features that are not covered by your bike insurance policy.

    • 3

      Cashless Garages: If your insured two-wheeler gets damaged, the insurer will reimburse you for the losses. A cashless garage facility reduces your overall time and fixes your car without any expenses.

    • 4

      First, Second and Third Party: In a comprehensive bike insurance policy, the policyholder is referred to as the first party, the insurance company as the second, and the individual impacted by an insured vehicle as the third. 

    • 5

      Endorsement: It describes a formal modification to an established policy. This can lead to a revision of the policy if you update your personal information, add new coverage add-ons, or change current terms.

    • 6

      Return to Invoice : If the bike is stolen or damaged, this covers the total original invoice price, including registration and road tax. This closes the difference between the purchase price and IDV.

    • 7

      NCB Recovery/Retention: You can keep your accrued NCB even if you change insurance companies, due to the NCB recovery or retention option. This guarantees you will not lose the hard-earned claim-free driving discount.

    • 8

      Policy Wordings : This is the comprehensive legal document that includes all of an insurance contract's terms, conditions, exclusions, and limits. It acts as a final point of reference for all assertions.

    • 9

      Third-Party Liability: This coverage shields you from any financial and legal obligations if your bike injures, kills, or damages another person's property. It guarantees that you are not directly impacted by the particular legal expenses.

    • 10

      Deductible: Up to a certain sum, insurers let you settle your claim. The remaining amount is deductible. Deductibles may be required or optional, depending on the kind of coverage you choose.

    Read More

    Frequently Asked Questions on Comprehensive Bike Insurance

    What is comprehensive in bike insurance?

    Comprehensive insurance in bike insurance is an all-inclusive plan that provides extensive coverage for your bike. It combines protection against third-party liabilities (such as damage to other vehicles or injuries to others) and own damage (including accidents, fire, theft, and natural or manmade disasters). This type of policy ensures the bike owner's legal and financial security.

    Which insurance is best for a bike: comprehensive or third-party?

    A comprehensive bike insurance plan is the most recommended option for bike owners. It offers the best protection by covering both third-party liabilities and damages to your own bike. In addition to this, comprehensive plans allow you to purchase add-ons, such as zero depreciation cover and engine protection, which provide enhanced protection against potential risks.

    Is comprehensive insurance enough for a bike?

    Yes, comprehensive bike insurance is more than enough for most bike owners. It covers a wide array of risks, from accidental damages and theft to damages caused by fire and natural disasters. Additionally, it provides third-party liability coverage, ensuring you’re protected financially in case of an accident. This makes it a well-rounded solution for bike insurance.

    What is the validity of the Comprehensive Bike Insurance Policy?

    Usually one year, but multi-year policies for up to 3 or 5 years are also available with comprehensive coverage.

    Is a Comprehensive Bike Insurance Policy mandatory for five years?

    Only third-party insurance is mandatory. Comprehensive insurance is optional but highly recommended for broader coverage.

    Does bike modification affect the Comprehensive Bike Insurance Policy?

    Yes, major modifications may increase your premium or require insurer approval. Always disclose them while buying or renewing your policy.

    What happens if I don’t buy a comprehensive bike insurance policy?

    You’ll only be covered for third-party liabilities. Damage to your own vehicle, theft or natural disasters won’t be compensated.

    What are deductibles in comprehensive bike insurance?

    Deductibles are the portion of the claim amount you pay from your pocket. Higher voluntary deductibles can reduce your premium.

    What Customer Say About Bajaj General Comprehensive Bike Insurance

    Great coverage option

    Enjoyed a smooth motor insurance experience with Bajaj General app. Great coverage options!

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    Aryan Patil

    Delhi

    5.0

    19th Jan 2025

    User friendly App

    Bajaj General app simplifies the motor insurance process. Quick, efficient, and user-friendly! 🎯

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    Naadiya Rafiq

    Mumbai

    5.0

    19th Jan 2025

    Economical coverages

    Cool, fast, and economical motor insurance options available with Bajaj General. Fantastic experience with the app! 🚘

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    Biju VR

    Delhi

    5.0

    23rd Dec 2024

    Easy renewal

    Best app to renew motor insurance. Super quick, very safe, and very efficient! Recommend highly!👍🏻

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    Arko Acharya

    Jaipur

    5.0

    15th Dec 2024

    User friendly App

    The Bajaj General App is ideal for motor insurance. User-friendly and dependable! 🚗

    SamShona

    Sam Shona

    Pune

    5.0

    14th Jan 2025

    Easy renewal

    Need to renew motor insurance? Bajaj General App makes it an effortless task. 👍

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    Shan Qureshi

    Lucknow

    5.0

    11th Jan 2025

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