Bike Insurance

Past insurance claims can increase your future premiums, while a clean claim history can lead to lower premiums or discounts.

When choosing an insurer, consider a higher claim settlement ratio. This indicates the insurer's efficiency in settling claims.

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.

Third-party cover is legally mandatory and pays only for third-party injury/death or property damage. Comprehensive cover includes third-party plus own-damage for your bike/scooter/two-wheeler (accidents, theft, fire, calamities), so the bike insurance premium for this is usually higher but protection is wider. Bajaj General Insurance offers both options.

Standalone OD covers damage to your own two-wheeler due to accidents, theft, fire, and natural/man-made disasters, but it doesn’t cover third-party liability. It’s bought when you already have an active third-party policy. Your two wheeler insurance premium depends on IDV, add-ons, and bike details.

Yes—flood, cyclone, earthquake, and similar events are typically covered under comprehensive/own-damage cover, subject to policy terms and deductibles. Third-party-only plans don’t cover your bike’s  damage. Bike insurance price can rise with add-ons, but it improves protection.With us, you can customise cover online.

PA cover provides a fixed benefit for accidental death or permanent disability (often for the owner-driver, and optionally for pillion/unnamed passengers). It’s designed to support your family financially after a serious accident. Adding PA cover may affect two wheeler insurance price, but it adds important personal protection.

Zero depreciation (bumper-to-bumper) reduces depreciation deductions on parts during an own-damage claim, so your out-of-pocket expense is usually lower. It can be worth it for newer bikes or frequent riders. This add-on increases bike insurance cost, but can save more at claim time.

In a cashless claim, you repair at a network garage and the insurer settles the approved bill directly (you pay deductibles/non-payables). In reimbursement, you pay the full bill first and claim later with documents. With a Bajaj General Insurance bike insurance policy, cashless is typically faster and easier.

NCB is a discount on own-damage premium for claim-free years. Common slabs are 20% (1 year), 25% (2 years), 35% (3 years), 45% (4 years), 50% (5+ years), as per prevailing rules. It can significantly lower your renewal cost—often reflected in any bike insurance price list India comparison.

Yes—installing an ARAI-approved anti-theft device can make you eligible for a discount on the own-damage portion, which may lower your bike insurance rate. Exact savings depend on the insurer and policy terms. Keep the device certificate handy at purchase/renewal. Bajaj General Insurance can factor it into your quote.

24x7 RSA is an optional add-on that provides help during breakdowns—like towing, minor on-site repairs, battery jump-start, flat-tyre assistance, fuel delivery (where available), and lockout support. You call the helpline and assistance is dispatched as per limits and terms. Adding RSA to your bike insurance improves convenience on the road.

Third-party liability under two-wheeler insurance can cover legal liability for injury to a pillion rider. For stronger protection, add Personal Accident cover for pillion/unnamed passengers (if available) to get defined benefits. Bajaj General Insurance offers add-ons to enhance protection.

You can buy a bike insurance policy online using the bike’s registration details, previous policy info (if any), and owner KYC. Ensure the policy is transferred to your name after purchase, and request NCB transfer only if eligible. Bajaj General Insurance allows quick online purchase/renewal and easy customisation of cover and add-ons.

Motor OTS is a digital, mobile-based service available via the Bajaj General app. With it, you can self-inspect your bike by uploading photos of damage and documents. This enables instant claim settlements.

The NCB is a discount given to you for every year that your policy goes claim-free. If you file a claim during a policy year, then you will lose the accumulated discount. 

In a cashless claim, you need to have your bike repaired at one of the insurer's network garages. Whereas, for a reimbursement claim, you need to get the bike repaired at a garage of your choice and pay the expenses yourself. After which, if you submit bills to the insurer, they pay for you.

For low cost bike insurance claims, intimate Bajaj General Insurance immediately, share policy and incident details, and register your claim via app/website/helpline. For accidents, arrange inspection and send required documents. For theft, file an FIR first. Choose a network garage for faster repairs and smoother settlement.

For a bike insurance claim, you typically need your policy details, RC copy, driving licence, photos of damage, and a filled claim form. For cashless repairs, garage estimate/job card may be required. For theft, FIR and final police report are needed. Bajaj General Insurance may request additional documents.

A two wheeler insurance claim may be rejected due to policy expiry, delayed intimation, drunk/drugged driving, invalid licence, illegal modifications, misrepresentation, or excluded usage (like racing). Avoid issues by renewing on time, reporting promptly, sharing accurate details, and getting repairs only after survey/approval.

Yes. Under the bike insurance claim process, you can opt for cashless repairs at Bajaj General Insurance network garages. The insurer pays the approved repair amount directly to the garage; you pay deductibles, consumables, and non-payable items. This reduces paperwork and speeds up repairs.

How to claim bike insurance faster depends on timely intimation and complete documents. Minor damage claims can be settled quickly after inspection and approval, while theft/total loss takes longer due to police reports and verification. Bajaj General Insurance updates you through digital channels during each stage of processing.

Yes, you can file a bike insurance claim online using the Bajaj General Insurance mobile app (where available). Register the claim, upload photos and documents, and select a network garage. Digital submission helps speed up inspection and status updates, reducing the need for branch visits.

CTL in a bike insurance claim means the repair cost is so high that it’s treated as a total loss (typically when repairs exceed a set percentage of the bike’s IDV, as per policy terms). In such cases, the insurer settles based on IDV after applicable deductions and paperwork.

To track your bike insurance claim process online, use the Bajaj General Insurance website or mobile app and enter your claim reference/policy details. You can view updates such as survey status, approval, and settlement progress. Keeping your contact details updated ensures you receive timely SMS/email notifications.

On-the-spot claim settlement is a quick way to process eligible minor damage claims. When you raise “how to claim bike insurance” requests, a surveyor may assess damage digitally/on-site, and settlement can be approved faster, subject to terms and documentation. Bajaj General Insurance offers this feature for select cases.

If your policy expires, you immediately lose coverage benefits. After that, even if a claimable event happens, you will not be able to claim your bike insurance coverage benefits. It is highly recommended that you renew your policy within the grace period.

Renewal is the perfect time to review your updated coverage. You can choose to upgrade by getting add-on covers to better suit your current needs. This also allows you to adjust your IDV accordingly. 

You do not require a physical copy of your previous policy to start the renewal process. On our site or by using our mobile app, you can easily retrieve policy details online by entering the required details.

For bike insurance renewal, visit Bajaj General Insurance online, enter your registration/policy details, review coverage and add-ons, and pay securely. You’ll receive the renewed policy instantly on email/SMS. Renew before expiry to keep protection active and avoid inspection or breaks in cover.

If you miss two wheeler insurance renewal, your cover stops, you may lose NCB, and riding becomes illegal without at least third-party insurance. Renew quickly with Bajaj General Insurance to restore protection.

During bike insurance renewal online, NCB is a reward for claim-free years on the own-damage premium. Common slabs are 20%, 25%, 35%, 45% and up to 50% for consecutive claim-free renewals (as per prevailing rules). Bajaj General Insurance reflects your eligible NCB at renewal.

Yes—if you make an own-damage claim during the policy period, your NCB usually becomes zero at the next two wheeler insurance renewal online. Third-party claims don’t earn NCB anyway. If the claim is small, consider paying repair costs yourself to preserve NCB, where sensible.

Yes, you can renew bike insurance with a different insurer at renewal. Compare cover, add-ons, network garages, claim support, and premium before switching. Ensure there’s no gap between policies and transfer your NCB correctly. Bajaj General Insurance makes online switching and renewal simple.

There’s no “grace period” once a policy expires—coverage typically ends on the expiry date. You may still be able to renew two wheeler insurance online shortly after, but an inspection or extra steps may apply and you’re uninsured during the gap. Renew before expiry with Bajaj General Insurance.

Yes, add-ons like zero depreciation, roadside assistance, engine protection, or consumables cover can usually be added/changed at renewal based on eligibility. If you’re doing expired bike insurance renewal, an inspection may be required before add-ons/own-damage cover is activated. Bajaj General Insurance lets you customise during renewal.

You can cancel a policy in certain cases (for example, duplicate purchase or vehicle sale), but refunds depend on insurer terms, time since purchase, and whether a claim was made. Bike insurance renewal after expiry doesn’t usually qualify for refund. Contact Bajaj General Insurance support for applicable options.

Bike insurance lapse renewal pricing can change due to IDV depreciation, vehicle age, location, claim history/NCB changes, add-ons chosen, and any regulatory tariff updates for third-party rates. Bajaj General Insurance shows a breakup while renewing online.

At bike insurance renewal, NCB is calculated on the own-damage premium based on consecutive claim-free years in your previous policy. The percentage increases with each claim-free renewal, up to the maximum slab, and is applied before adding GST and add-on premiums. Bajaj General Insurance applies eligible NCB automatically.