Bike Insurance

This is an essential policy and protects you against any liabilities for accidental injuries, death or property damage caused to third parties while operating your motorcycle.

A bike insurance policy safeguards your vehicle against a vast range of financial losses which result from accidents, fire, theft, or natural calamities such as floods.

This is a critical feature which provides necessary financial support to you or your beneficiaries in the unfortunate event of accidental or permanent disability.

The rewarding discount is provided on renewal premiums for every claim-free year. It allows you to save money effectively by demonstrating responsible riding habits.

You can very conveniently access a wide range of authorised garages for hassle-free repairs, where the insurer settles your repair bills directly.

This benefit provides comprehensive compensation based on your vehicle's current insured value if it is stolen or damaged beyond repair.

You can enjoy dedicated 24x7 support and a seamless process to register, track, and settle claims quickly during any unfortunate vehicle emergency.

Get to experience the ultimate convenience of purchasing or renewing your bike insurance online in minutes with just minimal documentation and zero paperwork.

Enhance basic protection with optional specialised covers like zero depreciation, engine protector or roadside assistance to get complete and customised financial freedom.

Evaluate whether you need basic third-party liability protection or comprehensive coverage, which includes own damage.

The Insured declared Value is the maximum claim amount payable for theft or total loss.

Balance out the cost of your insurance premium against the coverage benefits provided in the chosen policy.

Prioritise plans which offer vast cashless garages, as it will ensure settlement of repair costs.

You should investigate the insurer's claim settlement ratio to gauge their efficiency in settling claims.

Enhance base policy by selecting all relevant add-ons like Zero Deprecation, Engine Protection or Roadside Assistance.

Read the policy to understand what is not covered to avoid surprises later during the claim.

Use online comparison tools to evaluate different plans side by side along with their benefits.

Make sure that the insurer provides 24/7 customer support for reporting claims or resolving any queries.

IDV helps decide the two-wheeler insurance policy premium. Before setting the premium, the insurance provider checks the market value of the vehicle with the corresponding IDV.

If you choose to include deductibles in the package, the two-wheeler insurance premium will be higher. In opposition, going for a high voluntary deductible will benefit the insurer.

Having a consecutive claim-free year will guarantee that you get attractive discounts on your policy renewal. This will also effectively lower your premium costs in a quite significant manner.

Equip your bikes with approved anti-theft devices to increase their safety. Most bike insurance companies offer a reduction in premiums as these installations demonstrate a lower risk of theft.

Make sure to always renew your insurance policy before its expiration date. It can prevent loss of accumulated No Claim Bonus and avoid any potential penalties or higher costs for breaks.

Carefully review your policy and only select add-on covers which are truly essential for your particular needs. Removing any redundant extras will help you maintain a more affordable premium amount of bike insurance.

Use online platforms for comparing various insurance quotes and benefits. It will help you identify such policies which offer the best coverage at the most competitive rates in the market.

Opting for multi-year insurance policies can often lead to discounted premiums than single-year plans. It also provides you with the convenience of avoiding any annual renewals and potential price hikes.

With our engine protector add-on, you can ensure your bike's engine is protected. It covers your financial losses for damages to the internal child parts of the engine arising out of water ingression/ leakage of lubricating oil, and you get to repair damages to it across our network garages.

Nothing frustrates you more than when you face an emergency on the road, as your two-wheeler breaks down. With this add-on, you get immediate roadside help for issues such as fuel assistance, flat tyres, towing and more.

The standard policies often exclude small but essential items. This add-on covers replacement costs of consumables such as, coolants, bearings, gear box oil, nuts, bolts, engine oil and filters during a valid repair claim at your insurer.

Make sure that you give the correct personal and vehicle details when you buy bike insurance online. Incorrect information can often lead to immediate rejection.

Always inform your insurer about any modifications you make to your vehicle. Undeclared accessories or engine modifications may invalidate your scooter insurance policy claims.

Maintain policy papers, RC, claim forms, and photos of damages and provide all of them while filing the claim. This helps smooth approval of your claim as well as two-wheeler insurance renewal.

Notify your insurance provider immediately following any incident. Any delays in reporting can create suspicion regarding the legitimacy of the claim. As it can make it harder for surveyors to assess the damage accurately.

Refrain from initiating repairs or altering the damaged state of your bike before the surveyor has conducted a mandatory inspection. Repairing a vehicle beforehand can lead to a rejection of the claim.

You need to maintain strict adherence to all policy terms and traffic regulations. Engaging in illegal activities or riding without a valid license can severely compromise your eligibility for a successful insurance claim settlement.

You lose protection for damages, third-party liabilities, theft, and accidents. This increases financial vulnerability despite having purchased bike insurance online earlier.

If your two-wheeler remains uninsured even after the grace period that your insurer provides you, you can lose your accumulated NCB permanently.

For expired policies, insurers may want to inspect the bike before issuing a new scooter insurance policy. This increases the hassle while reinsuring your bike.

Since risk increases after expiry, premiums may rise. Using two-wheeler insurance renewal online helps minimise delays and restores coverage quickly.

Riding an uninsured vehicle violates the mandatory traffic laws. Consequently, you risk facing hefty fines, potential vehicle impoundment or even legal complications.

Without an active policy, you are personally liable for any damages or injuries caused to third parties. This also creates a great financial and legal burden.