Motor Insurance

Third Party Bike Insurance

Name: Buy/Renew Third Party Bike Insurance Online @₹538
Brand: Bajaj General Insurance
Rating: 4.7 (1208 reviews)

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Premium Starts At ₹*538

Essential Third-Party Bike Insurance for Every Journey

Coverage Highlights

Get comprehensive coverage for your bike

Premium

Starting from INR 538*

Cashless Garages

7,200+ network garages for hassle free services

Third Party Liability

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

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

Note

*TP Two-Wheeler Insurance Premiums starting at INR 538

Inclusions

What’s covered?

Third Party Coverage

Protects you from liabilities arising from damage or loss caused to another person's vehicle, property, or injury to a third party

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

Exclusions

What’s not 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 bike 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.

Commercial Use

Using private car for commercial purposes like delivery or ridesharing without proper coverage

Note

Please read policy wording for detailed exclusions

Know More

Coverage

Protects against liabilities for damages or injuries caused to others, but not your own vehicle

Mandatory

Required by law in India under the Motor Vehicles Act to avoid fines

Financial Protection

Safeguards you from financial losses if your bike causes damage to another vehicle, property, or person

Comparison

You can compare it with comprehensive and Own Damage cover to find the best option for your needs

What is Third Party Bike Insurance?

Third-party bike insurance is a motor insurance policy which protects the insured driver from the liability incurred by him/her for damaging or injuring a third party in the event of an accident.

If your bike is involved in accidents that lead to injuries, death or damage to another person's property, the insurer will pay the injured person according to the policy and legal terms. A third-party bike insurance will not cover any damage to your own bike. It is mainly used to protect you from legal and financial obligations to others.

Quick Overview

1
Policy Type: Third-party bike insurance is a liability-only policy, which covers the financial and legal consequences if an injury, death or property damage occurs to a third party.
2
Third Party Injury: The policy will cover bodily injury to a third party as a result of an accident that occurred with the insured motorcycle or scooter.
3
Third Party Death: If there is a death caused by an insured accident, it is considered a third-party death and compensation will be paid to eligible legal heirs according to the relevant laws.
4
Property Damage: Third-party two-wheeler insurance will also protect from legal liability for any property damage caused to another party, which can help minimise any unplanned expenses.
5
Premium Regulation: IRDAI regulates the price of the two-wheeler third-party insurance, which makes the pricing transparent, uniform and fair among the insurers.
6
Online Purchase: Two-wheeler third-party insurance can be purchased online with very little documentation and immediate policy issuance.

Key Features of Third-Party Bike Insurance

Third-party bike insurance offers essential liability coverage that helps you meet legal requirements while protecting you against financial liabilities arising from third party claims. Here are some of its key features:

Legal Compliance

Assists you in completing insurance requirements for the Motor Vehicles Act and prevents penalties for operating a vehicle without insurance.

Third-Party Injury Cover

Insures you against injury to other people that is caused by an accident with your insured motorbike or scooter.

Third-Party Death Cover

The two-wheeler third-party insurance provides monetary restitution to the third party's legal heirs in case of accidental death.

Property Damage Protection

The insurance will cover damage to third-party property resulting from an accident involving your two-wheeler.

Affordable Premiums

The two-wheeler third-party insurance cost is usually cheaper than comprehensive insurance

Nationwide Validity

This policy is valid in India and ensures riders can ride without worry and in compliance with the law.

Online Purchase Facility

2 wheelers third-party insurance is an insurance type that you can purchase online in just a few moments without hassling with documents.

Easy Renewal

With the third-party two-wheeler insurance, renewal is a simple process, which you can easily do through the online mode.

IRDAI-Regulated Pricing

The premium rates are fixed by IRDAI, ensuring transparency and standardisation of premiums among insurers.

Why Should You Choose Third-Party Bike Insurance?

Third-party bike insurance is the perfect option for those who want to comply with the legal mandates and have safeguards against monetary liabilities in the event of an accident. It provides the necessary protection at a relatively low price and provides peace of mind when using public roads.

Reliable Customer Support

Get assistance whenever you need it through dedicated customer support channels. If you have queries relating to policy, renewal or claims, expert information is on hand to help settle any concerns quickly.
10200+ Cashless Garages

Take advantage of a large garage network of more than 7200 cashless garages in India. This comprehensive network provides easy access to repair facilities and streamlines the claims experience.
On-the-Spot Claim Settlement

A fast claims process with digital claim registration on the Bajaj General Insurance App. You can report any eligible incidents immediately and get your claim assistance and updates on time.
Legal Protection

Ownership of a bike in India is governed by having a valid third party insurance. An active policy is important to ensure legal requirements are met and that fines or penalties are avoided.
Affordable Premiums

Motorcycle third party insurance is usually more affordable than comprehensive coverage, which makes it an appropriate insurance for budget-conscious motorcycle enthusiasts.
Hassle-Free Purchase

Third party insurance for two wheelers is available online from a number of insurance companies, allowing the user to quickly and easily purchase or renew their insurance.

Third Party Bike Insurance at a Glance

Here is a snapshot of the important aspects of third-party bike insurance, including its coverage type, eligibility, legal requirements, claim settlement, and other key details.

Sr. N	Feature	What is it?
1	Coverage Type	Covers third-party bodily injury, death, and property damage liabilities.
2	Legal Requirement	Mandatory under the Motor Vehicles Act for all registered two-wheelers.
3	Own Damage Cover	Not included under a standard third-party policy.
4	Premium Rates	Regulated by IRDAI and revised periodically.
5	Eligible Vehicles	Motorcycles, scooters, mopeds, and other registered two-wheelers.
6	Property Damage Cover	Compensation for damage caused to third-party property, subject to policy terms.
7	Personal Accident Cover	Available as required under prevailing regulations.
8	Policy Purchase	Available through online and offline channels.
9	Policy Renewal	Can be renewed before expiry to maintain continuous coverage.
10	Claim Settlement	Compensation is paid for covered third-party liabilities arising from insured events.
11	Long-Term Policies	Available for new two-wheelers as per applicable regulatory guidelines.
12	Geographical Scope	Coverage is applicable across India.

What are the Benefits of Third-Party Bike Insurance?

Third party bike insurance provides financial and legal protection against third-party liabilities while ensuring compliance with mandatory insurance regulations. Here is a detailed overview of its key benefits:

Legal Compliance

Third-party bike insurance is the one that assists you in fulfilling the mandatory legal requirements to ride on Indian roads. With this, it is easier to follow the rules and will not leave you vulnerable to fines.

Financial Protection

A third-party accident claim may be a significant compensation claim. Third party bike owner insurance helps the bike owner financially when there's injury, death or damage to property, if they are found liable.

Injury from a third party

The policy will compensate for any accidents resulting in bodily injury to another individual as outlined by the law. It helps the people affected to obtain the necessary financial aid and handle legal commitments.

Death coverage

Where someone dies, third party insurance will provide a benefit for the surviving beneficiaries or dependents. Compensation shall be based upon the legal and judicial guidelines applicable.

Property Damage Cover

The policy applies to any damage to third party property resulting from an accident with your bike. Compensation may be paid for the loss of a boundary wall, a shopfront or other asset as per policy terms.

Affordable Premiums

The primary advantage of 3rd party bike insurance is that it is inexpensive. As the policy emphasises liability coverage, this policy typically is less expensive than a comprehensive policy.

Easy Online Purchase

Nowadays, it is possible to obtain 2-wheeler insurance third party insurance online without any of the extensive documentation. The internet makes it easy to compare options, complete applications and get policy documents online.

Easy Renewal Process

Two-wheeler third-party insurance renewal is a simple process and can be easily done online within a matter of minutes. Renewing on time keeps the coverage uninterrupted and keeps you in compliance.

Peace of Mind

This could be for a commuter using a scooter every day, or if you are on a motorcycle and travelling occasionally, having your scooter insurance or motorcycle insurance third-party cover gives you that extra level of security.

Why Do You Need Third-Party Two-Wheeler Insurance?

Third-party two-wheeler insurance is mandatory for all registered bikes in India, and it helps you protect against legal and financial liabilities from third-party accidents. Here are the key reasons why you need Third-Party Two Wheeler Insurance:

Mandatory by Law

Under the Motor Vehicles Act, 1988, it is legally mandated that third-party two-wheeler insurance be obtained for all registered bikes or scooters that are being driven on Indian roads.

Protection Against Third-Party Claims

It protects you from financial responsibility for the injuries sustained in an accident or property damage if those injuries or damage occurred to another person.

Financial Security

Compensation amounts can be significant. A policy can aid in controlling the unexpected costs without significantly impacting savings.

Coverage for Property Damage

The policy covers against legal liability resulting from the damage done to third-party property in the event of insured damage.

Affordable Insurance Solution

Two-wheeler third-party insurance is generally less costly than a comprehensive plan, which makes it cost-effective for riders.

Peace of Mind While Riding

Once you know that you are covered against third-party liability, you feel you can ride more confidently and responsibly.

Premium Rates of Third-Party Bike Insurance

IRDAI has mandated a five-year third-party insurance cover for new bikes, which ensures continuous compliance with legal requirements.

This long-term policy eliminates the need for annual renewals. Additionally, policyholders can benefit from premium stability during the policy tenure, as the premium is fixed for the entire coverage period.

Engine Capacity (CC)	Annual Third-Party Premium
Up to 75 CC	₹2,901
Between 75 CC and up to 150 CC	₹3,851
Between 150 CC and up to 350 CC	₹7,365
Above 350 CC	₹15,117

Factors that Affect Third-Party Bike Insurance Premium

There are a number of factors that affect the premium that can be paid on a third party bike insurance policy. Familiarising yourself with these factors can help you make informed insurance decisions and estimate insurance costs.

Engine Capacity (CC)

One of the main third party insurance premium factors is engine capacity. The larger the bike's cubic capacity, the higher the premium. Bikes with higher power are usually at a higher risk and premium.

Type of Two-Wheeler

Premium rates may vary depending on the type of motorcycle, scooter, moped or sports bike. The higher the performance, the higher the insurance cost.

How to Calculate a Third-Party Two-Wheeler Insurance Premium?

It is quite easy to get an idea of your third party bike insurance premium online with the help of a premium calculator. Here are the steps:

Type in your bike registration number or choose your bike's make, model and variant.

Fill out information like the bike's registration year and engine size (CC).

Choose the third party bike insurance or liability-only insurance.

If there is any previous policy, enter the details of the policy, and your contact information.

Take a look at the premium and policy information you've computed with the calculator.

Third-Party Bike Insurance Compensation: How Does it Work?

Third-party bike Insurance protects the legal liability in the event of injury, death or property damage to a third party as a result of an accident involving the insured bike. The policy can cover compensation for:

Damage to third-party property or injury or death of a third party resulting from the insured vehicle.

Damage to property owned by someone other than the driver involved in an accident.

If the owner-driver is covered under a valid Personal Accident Cover, an accidental death or permanent disablement of the owner-driver will be covered.

The amount of compensation to be awarded shall be determined by the nature of the claim and by law.

In order to obtain policy benefits, the rider must possess a valid driving license, be insured and abide by traffic laws.

Compensation Offered Under Third-Party Bike Insurance Policy

Third-party bike insurance provides compensation for legal liabilities arising from bodily injury, death, or property damage caused to a third party due to an accident involving the insured bike. The amount payable depends on the nature and severity of the loss.

Nature of Loss	Scale of Compensation
Death	100%
Loss of two limbs or sight of two eyes, or one limb and sight of one eye	100%
Loss of one limb or sight of one eye	50%
Permanent total disablement from injuries other than those named above	100%

Long-Term Third-Party Bike Insurance Policies for New Two-Wheeler Owners

Under the regulations, you need to have a long-term third-party bike insurance policy when you buy a new bike. These policies offer an owner continuous coverage for a long duration and help fulfil the legal obligations without the need for the policy to be renewed annually during the policy period.

Long-term 3rd-party two wheeler insurance provides convenience, continuous protection and peace of mind. Also, it minimises the chances of any accidental policy lapses, which may cause penalties or legal issues. These policies are particularly beneficial for new owners, ensuring that they comply from the start and receive valuable protection.

How Does the CC (Cubic Capacity) of a Bike Affect Third-Party Insurance Premium?

The cubic capacity (CC) of your bike plays a significant role in determining the premium for third-party bike insurance.

Bikes with higher engine capacities generally attract higher premiums due to their increased power and performance.

Higher CC bikes may be associated with greater accident risks and higher claim exposure.

As a result, third-party bike insurance premiums typically increase with the bike's engine capacity.

Documents Required for Third-Party Two-Wheeler

Keeping the required documents ready can help ensure a smooth purchase or renewal process for your third party two wheeler insurance policy. Here is a list of important documents:

Copy of the valid third party bike insurance policy.

Vehicle Registration Certificate (RC) and supporting ownership documents.

FIR or police report for cases involving third-party injury, death, or property damage.

Valid driving licence of the rider.

Repair estimate issued by the authorised garage or service centre.

Original repair invoices, payment receipts, and supporting bills.

Important To-Dos

To enjoy uninterrupted protection under your third-party bike insurance policy, it is important to follow certain best practices.

Renew your policy before the expiry date.

Verify all vehicle details before policy issuance.

Keep policy documents accessible at all times.

Update contact information whenever required.

Report accidents promptly to the insurer.

Retain copies of all policy-related documents.

Ensure compliance with traffic laws and regulations.

Review policy terms and exclusions carefully.

Maintain valid vehicle registration documents.

Why Insure Your Bike with Bajaj General?

Buy Now

Affordable Premium

Wide range of plans that suit your pocket

Tailored Plans

Customise the coverage as per your needs

7200+ Cashless Garages

Network of garages for hassel-free repairs

Quick Claim Settlement

Easy claim settlement process

Easy Renewal

Continued coverage for your vehicle

24x7 Assistance

Round the clock dedicated support team

Drive Safely

4.6 lacs+ road accidents reported (Ministry of Road Transport & Highways)

Avoid Legal Fines

Motor Vehicles Act, mandates Third Party Liability Cover for vehicles

Unfortunate Accident

File your claim immediately to ensure swift processing

How to Buy a Two-Wheeler Third-Party Insurance Policy Online

The purchase and renewal of third party insurance online for two wheelers are fast and convenient. Here are the steps below:

Get the Bajaj General Insurance mobile app.

Type in the registration number of your bike.

Enter information about the vehicle and the owner's information.

Choose third party bike insurance policy.

Check out premium and coverage details.

Check the information being entered.

Pay by the methods available online.

Get confirmation of your policy by email and SMS.

How Can I Renew My Two Wheeler Liability Only Policy

If the policy is only for liability, renewing it helps ensure that it remains in effect and legal. The following steps explain how to do it:

Open the Bajaj General Insurance app.

Provide your current policy number or vehicle registration information.

Check the information on your current policy and make sure it's accurate.

Add to personal or vehicle details (if needed).

Review the options for renewal premiums and offers.

If applicable, choose other covers.

Check the policy terms and then make the payment.

Take care of the online transaction and have instant confirmation of policy renewal.

Step-by-Step Guide

Navigate Your Insurance Journey 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
4

You will be redirected to the bike Insurance Page.
5

Ensure to check your No Claim Discount
6

Choose right Insured Declared Value(IDV) that reflects your bike value
7

Evaluate Covers, Add Ons, Optional Covers and Exclusions
8

Select a plan from the recommended options, or customize your own plan
9

Review the premium and other coverage details
10

Proceed with the payment using your preferred method
11

Receive confirmation of your purchased policy via email and SMS

Buy Now

How To Renew

1

Login to the app
2

Enter your current policy details
3

Review and update coverage if required
4

Check for renewal offers
5

Add or remove riders
6

Confirm details and proceed
7

Complete renewal payment online
8

Receive instant confirmation for your policy renewal

Renew Now

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
5

Receive an SMS with your claim registration number
6

Fill in the digital claim form and submit NEFT details
7

Upload photos of damaged parts as instructed
8

Upload your RC and driving license
9

Receive an SMS with the proposed claim amount
10

Use the SMS link to agree/disagree with the claim amount
11

Agree to receive the amount in your bank account
12

Track your claim status using the Bajaj General App

Claim Now

Know More

1

For any further queries, please reach out to us
2

Toll Free: For Sales: 1800-209-0144
3

Email ID: careforyou@bajajgeneral.com

Download Third-Party Bike Insurance Policy Documents

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

Brochure

https://www.bajajgeneralinsurance.com/motor-insurance/motor-insurance

Policy Wordings

Proposal Form

Claims Form

Customer Info Sheet

Download

How to Make a Claim for Your Bajaj General Third Party Bike Insurance?

Filing a claim for your Bajaj General Insurance third party bike insurance policy is a straightforward process when you submit the required information and documents correctly. Here is a detailed overview of both cashless and reimbursement claims:

Cashless Claim

Inform Bajaj General Insurance immediately after the accident.

Submit the required accident and vehicle details.

Provide supporting documents, including the FIR if applicable.

Cooperate with the survey and claim assessment process.

The insurer evaluates the claim as per policy terms and legal requirements.

Upon approval, the claim is processed according to the applicable compensation guidelines.

Reimbursement Claim

Notify Bajaj General Insurance about the accident as soon as possible.

Collect and preserve all relevant documents and bills.

File the claim request with supporting documentation.

Submit proof of expenses and accident-related records.

The insurer reviews the submitted documents.

Additional information may be requested during claim assessment.

Once approved, the eligible reimbursement amount is processed as per policy terms and conditions.

Documents Required for Third Party Bike Insurance Claim Reimbursement

Having the required documents readily available can make the reimbursement claim process more efficient and help ensure timely claim settlement.

Duly filled and signed claim form to initiate the reimbursement claim process.

Copy of the valid third-party bike insurance policy document.

Vehicle Registration Certificate (RC) for ownership and vehicle verification.

Valid driving licence of the rider involved in the accident.

FIR or police report for cases involving third-party injury, death, or major property damage.

Repair estimates, invoices, and payment receipts, where applicable.

Medical reports and treatment bills for bodily injury claims.

Photographs or videos of the accident scene to support claim assessment.

Frequently Asked Questions on Third Party Bike Insurance

General

How do I benefit from an online purchase of my two wheeler third party insurance policy?

You can sift through a number of policies, compare them and eventually choose one that complements your financial objectives. In a nutshell, you can save a lot of time and effort should you buy two-wheeler insurance online.

Am I eligible for a No Claim Bonus on my two wheeler third party insurance?

Uh-oh! Should you have only a third party insurance on your two-wheeler, you will not be eligible for an NCB, irrespective of whether you've made any claim within the policy period or not.

My two-wheeler third party insurance just expired. What to do now?

We suggest you immediately renew your policy; this is because the Motor Vehicles Act, 1988, mandates you to have one.

Among third party insurance and comprehensive bike insurance, which one should I go for?

A comprehensive two wheeler insurance plan offers better coverages that you can hope for. This means that an exhaustive bike insurance policy will provide protection to your insured vehicle as well as the third party. However, a third-party plan will only cover loss or damage caused to the third party.