Start every ride with peace of mind, knowing your two-wheeler is protected by Bajaj General Insurance Limited’s comprehensive policy. Our Two-Wheeler Package Policy protects you against accidental loss or damage, theft, and third-party liabilities, protecting you from unexpected situations.

Features of the Two-Wheeler Package Policy

Our Two-Wheeler Package Policy offers an extensive range of features to protect you and your two-wheeler in various situations. Key features include.

Comprehensive Coverage :

Protects against damage from accidents, natural disasters, theft, and vandalism.

Third-Party Liability :

Covers legal liabilities due to injury or damage to a third party.

Personal Accident Cover :

Offers compensation in case of permanent total disability or death of the owner-driver while riding the insured vehicle.

Cashless Claims :

Enjoy hassle-free cashless claim service across a vast network of garages.

No Claim Bonus :

Get a premium discount for claim-free policy years.

Cashless Garages :

Access to a vast network of cashless garages across the country simplifies the repair process after an accident without upfront payments. This network ensures quality service and hassle-free repairs.

Legal Cover :

Provides cover for legal fees and expenses in litigation from an accident involving the insured vehicle. This is essential in protecting you from the potential legal ramifications of accidents.

These features ensure that your journey on your beloved two-wheeler is safe and secure, no matter where the road takes you.

Benefits of Long Term Two Wheeler Package Policy

Opting for our Two-Wheeler Package Policy offers several benefits that enhance your riding experience and provide security under various circumstances. These benefits address the typical concerns of two-wheeler owners, ensuring protection and peace of mind.

Financial Security :

Shields against potential heavy expenses due to accidents or theft.

Peace of Mind :

Ensures stress-free rides, knowing your vehicle is protected.

24/7 Support :

Access to 24/7 customer support for all your insurance needs.

No Claim Bonus (NCB) :

Rewards safe driving with a discount on renewal premiums for every claim-free year, encouraging and acknowledging responsible riding.

Cashless Garages :

Access to a vast network of cashless garages across the country simplifies the repair process after an accident without upfront payments.

Legal Cover :

This policy covers legal fees and expenses in litigation from an accident involving the insured vehicle.

Coverage

The Two-Wheeler Package Policy provides comprehensive coverage to protect you and your vehicle under various circumstances. Understanding what is included helps ensure you can ride confidently, knowing you're protected against common and severe risks.

Accidents :

Damage to your vehicle due to accidents.

Natural Disasters :

Losses due to earthquakes, floods, and more.

Theft :

Compensation in case your two-wheeler is stolen.

Third-Party Liability :

Covers legal liability for injury or damage to third parties involved in an accident with your insured vehicle.

Personal Accident Cover :

Provides compensation for the owner-driver in case of permanent total disability or death while driving or riding the insured two-wheeler.

Fire and Explosion :

Covers damage to your two-wheeler from fire, explosion, self-ignition, or lightning.

Transit Risks :

Protect your two-wheeler against damage while it is in transit by road, inland waterway, rail, elevator, lift, or air.

Malicious Acts :

Compensation for damage caused by malicious acts by third parties.

What's Not Covered?

While our policy covers many incidents, certain situations are not covered. These exclusions help clarify the scope of protection and ensure policyholders are aware of the limitations, maintaining transparency and understanding between the insurer and the insured.

Wear and Tear :

Normal wear and tear of the vehicle.

Driving Under Influence :

Incidents occurring while under the influence of drugs or alcohol.

Illegal Activities :

Damages due to involvement in illicit activities.

Contractual Liability :

Any claims arising from contractual liability are not covered under this policy.

Loss or Damage Outside Geographical Area :

Any loss or damage incurred outside the specified geographical area is excluded.

Consequential Loss :

Any consequential loss, such as income loss due to downtime, is not covered.

Use Beyond Limitations :

Any damage caused by using the vehicle beyond its prescribed limitations, such as using a private bike for commercial purposes, is not covered.

Exclusions of the Two-Wheeler Insurance Package Policy

The Two-Wheeler Package Policy from Bajaj General Insurance Limited is comprehensive, yet specific exclusions must be considered to ensure clarity and prevent surprises when claiming.

Consequential Damages :

The policy does not cover losses that occur as a secondary result of an incident, such as loss of personal or business opportunities following an accident.

Mechanical Breakdowns :

This policy excludes coverage for failures due to mechanical or electrical breakdowns during normal usage, focusing on accidental damages rather than maintenance issues.

War-Related Damage :

No coverage for damages arising from wars, civil wars, invasions, revolutions, or military upheavals.

Nuclear Risks :

Damages directly or indirectly caused by nuclear materials, including weapons, radiation, or contamination from nuclear fuel or waste, are excluded.

Tyre and Tube Damages :

Tyre and tube damage is not covered unless the vehicle is damaged simultaneously, and liability is limited to 50% of the replacement cost.

Geographical Limitations :

Losses incurred from driving the insured vehicle outside the policy's specified geographical boundaries are not covered.

Influence of Intoxicants :

Damages occurring while the driver is under the influence of intoxicating substances or drugs are excluded from the policy coverage.

Illegal Use :

Damages incurred while using the vehicle for unlawful activities or purposes other than those stipulated in the policy are not covered.

Who Can Buy This Policy?

The Two Wheeler Package Policy is tailored for any individual who owns and operates a two-wheeler within India. As mandated by the Motor Vehicles (Amendment) Act of 2019, every vehicle owner must have at least a third-party liability policy . However, opting for a comprehensive insurance plan like the Two Wheeler Package Policy for enhanced security is highly advisable. This policy not only fulfils the legal requirement but also extends coverage to damages to the owner's bike, thereby providing a broad spectrum of protection against various mishaps.

It is designed for riders who not only seek to comply with the law but also wish to protect their investment in their two-wheeler and ensure their own financial and physical well-being in case of accidents. The policy is accessible to all Indian vehicle owners, offering them peace of mind with coverage for third-party liabilities, own damages, and personal accident cover for the owner-driver.