Bike Insurance Online

Two Wheeler Insurance

Two wheeler insurance refers to an insurance policy that is taken to cover your bike/scooter against any damages caused to a two-wheeler and/or its riders arising due to some unforeseen event such as road accidents, natural disaster or theft/loss of a motor vehicle. Bike insurance essentially provides coverage against any third-party liabilities, which may arise from injuries incurred to one or more individuals in case of any unfortunate accident/mishap. In case of any damage caused to the vehicle, having this insurance will shield you against any unexpected financial implications. It provides cover to every type of two-wheeled vehicles and covers all uses whether for personal, commercial or mixed purpose. Buy & Renew your Two Wheeler / Bike Insurance online within 30 seconds to avoid paying a fine of Rs. 2,000.

Types of Two Wheeler Insurance Policies:

There are generally two types of policies offered in India, which are:

  • Comprehensive Insurance: Comprehensive bike insurance provides coverage against all types of wear and tears to the owner and its riders.
  • Third Party Insurance: This policy covers only against injuries arising from third-party action.

Two wheeler Insurance Plans:

Two Wheeler Insurance Plans starting at Rs. 2 per day. Buy and compare online two wheeler insurance plans for your motor vehicle at Policybazaar. You can now renew your expired bike insurance policy online from top insurers with lowest premiums in just 30 seconds.

  • Quick Policy Issuance
  • No Inspection, No Extra Charges
  • Lowest Premium Guarantee on the Insurance Plan
Two Wheeler Insurer Third Party Cover Network Garages Personal Accidental Cover Incurred Claim Ratio Policy Term No Claims Bonus
Bajaj Allianz Two Wheeler Insurance Available 4000+ Rs. 15 Lakh 69.19% 1 year Available
Bharti AXA Two Wheeler Insurance Available 4500+ Rs. 15 Lakh 89.09% 1 year Available
HDFC Ergo Two Wheeler Insurance Available 6800+ Rs. 15 Lakh 89.43% 1 year Available
IFFCO Tokio Two Wheeler Insurance Available 4300+ Rs. 15 Lakh 79.19% 1 year Available
Reliance Two Wheeler Insurance Available 750+ Rs. 15 Lakh 81.47% 1 year Available
Universal Sompo Two Wheeler Insurance Available 150+ Rs. 15 Lakh 80.66% 1 year Available
Royal Sundaram Two Wheeler Insurance Available 3300+ Rs. 15 Lakh 84.99% 1 year Available
New India Assurance Two Wheeler Insurance Available 150+ Rs. 15 Lakh 79.68% 1 year Available

Disclaimer: The ranking of the insurance companies in this content is not in any particular order. The list is not compiled as per the IRDA ranking.

You love your vehicle like your own baby. You clean it and polish it every Sunday. You go zooming in it all around the city. Yes, your vehicle is an integral part of your life. Therefore, it is important to keep your vehicle safe and secure. Get your prized possession covered and stay at peace by purchasing bike insurance.?

Bike insurance provides financial cover against any physical damage, theft, and third-party accountability. With poor road conditions in India and no driving ethics, bike insurance is your only saviour on the roads.

Key Benefits and Features of Two Wheeler Insurance

Two Wheeler Insurance Buying Guide

Two-wheeler insurance market has changed dramatically since the emergence of new players in the market. The insurance providers nowadays have come up with a range of features to woo customers and ensure they continue with them year after year. Buying online two wheeler insurance policy is a hassle-free and quick process.

  • Comprehensive and Liability Only Coverage
  • Quick Policy
  • Compulsory Personal Accident Cover
  • Optional Coverage
  • Easy Transfer of No Claim Bonus (NCB)
  • Discounts
  • Quick Registration for Online Purchase
  • Property damage and/or physical injury coverage in surroundings

Let us discuss each in detail:

Comprehensive and Liability Only Covers

One can choose between the coverage they want. The liability-only policy is required under Indian Motor Vehicle law and each rider needs to have at least that bike insurance to guard against accountability, and personal insurance. Having a comprehensive insurance plan also provides protection against damages caused to the insured vehicle and provides personal accident cover for the co-riders (generally as an add-on cover).

Instant Policy

In the older days, customers when buying or renewing bike insurance would simply get a cover note and not the policy itself. The main bike insurance policy document was mailed to them at their address later. With the emergence of new technology and faster-secured banking facilities, a digitally signed policy is nowadays issued immediately to the policyholder.

Compulsory Personal Accident Cover of Rs. 15 Lakh

Bike owners now can avail personal accident cover of Rs. 15 lakh under their two-wheeler insurance policy as an inbuilt feature. Earlier it was Rs. 1 lakh, however, in the recent announcement, IRDA has increased the rate up to Rs. 15 lakh. This slightly has increased the bike insurance price as well, whereas the cost of Rs. 750 has to be paid as premium for availing mandatory personal accident coverage of Rs. 15 lakh. Earlier Rs. 50 was charged as bike insurance premium rates for an insured two-wheeler for availing Rs. 1 lakh personal accident cover.

Optional Covers

The additional coverage is offered at an extra cost but goes a long way to ease the process of bike insurance claims. In case of any adversities, filing a insurance claim is mandatory. It includes personal accident cover for pillion riders, enhanced cover for spare parts and accessories, Zero Depreciation cover and so on.

Easy Transfer of No Claim Bonus (NCB)

The insurance providers offer an easy transfer of the NCB discount if the person buys a new vehicle. The NCB is given to the driver/owner and not to the two wheeler. The easy transfer option means that the person is rewarded for safe driving practices and for not making a insurance claim in the earlier year(s).


IRDA approved insurers provide discounts for certain factors such as membership of a recognized automotive association, discount for vehicles that have approved anti-theft devices, etc. Owners with an unblemished record also receive concessions in NCB (no claim bonus).

Two-Wheeler Insurance Renewal or Purchase Online

The insurance providers offer online purchase or policy renewal through their websites and sometimes even through mobile apps. This makes it easy for the policyholder to get their needs fulfilled. Since all prior policy claim or additional details are already in the database, the insurance renewal process is quick and highly convenient for the customer.

How PolicyBazaar Works as Two Wheeler Insurance Calculator?

Policybazaar provides you with a calculator to assist you in assessing your requirements and providing appropriate options. On our website when you fill in basic details about your motor vehicle, such as IDV and more, the Policybazaar 2 wheeler insurance calculator tool gets the best two wheeler insurance policy options for you. Thereafter, you can compare online bike insurance plans and instantly pay via online banking, debit or credit card for the one that suits you best. Whether you want motorcycle insurance or scooter insurance, check out online two wheeler insurance policies offered by insurers.

Based on the following, the premium amount is calculated:

  • IDV of the vehicle
  • The Cubic capacity of the vehicle
  • Zone of registration
  • Age of vehicle

Steps to Renew Two Wheeler Insurance Policy Online

Policybazaar gives you the option to instantly renew two wheeler / bike insurance policy online in just 30 seconds with lowest premium guaranteed.

Below are the common steps to be followed while renewing your two wheeler insurance policy online:

  • Compare 2 wheeler plans from leading insurers
  • Save money through a comparison side-by-side and choose the one that fits your pocket best
  • Get assistance from our call centre while renewing your policy

Renew your two wheeler insurance policy timely and save unnecessary hassle and costs. Enjoy hassle free renewals & save upto 85% on bike insurance renewal.

What is Covered by Two Wheeler Insurance Policy?

Two-wheeler insurance policy provides coverage for:

  • Loss or damage of two-wheeler vehicle caused due to natural calamities like fire, self-ignition or lightning, earthquake, or flood
  • Loss or damage of vehicle resulting due to man-made calamities like burglary, theft, strike, malicious acts by outsider means as well
  • The third-party two-wheeler policy provides financial coverage against legal accountability arising out of the death/injury and damage to property due to a mishap

Understanding Important Terms Related to Two-Wheeler Policy

Third-Party Two Wheeler Insurance Clause

It is an insurance covering you against all the losses or damages caused to the third-party.

Indian Motor Vehicle Act, 1988, mandates to have valid third party insurance for anyone who owns a two wheeler, be it motorcycle or scooter, does not comply with the rule, might end up paying huge penalties.

Third-party insurance safeguards the riders against all the legal obligations that arise out of the damage to the third-party. The third-party, here, can be property or individual person.

Getting third-party insurance is hassle-free and needs minimal documentation. The reason being this type of insurance plan covers the third-party but not the insured vehicle.

Renewal Process of Third-Party Two-Wheeler Insurance Plan:

In order to renew your third-party insurance, you have to keep a vigil on the date of expiry of your policy. Just before your policy expires, you can renew your policy online. You must keep a check on the actual date of expiry so as to avoid heavy inspection charges.

You will require certain documents at the time of renewal of your bike insurance policy such as a current document of your policy, net banking/debit card details, and the Registration Certificate of the insured two-wheeler or scooter.

Liabilities under Two Wheeler Insurance

It provides financial cover for the insured vehicle if it causes injury, death or injuries a person. Besides, it features the cost of any legal accountability.

  • Types of Two Wheeler Insurance

    It is generally of two types: comprehensive policy and liability-only policy. The Indian Motor Vehicles Act makes it mandatory for all the motor vehicles that ply on public areas to have a minimum of third-party insurance. This means that any motor vehicle that is running on Indian roads such as cars, buses, trucks, motorcycles, scooters, mopeds, etc. need to have at least a third-party policy cover.

    However, the cost of premium of a third-party policy is comparatively less, and because of this reason, most of the people prefer to buy it to comprehensive insurance. Whereas, a comprehensive policy is recommended as it covers you and your vehicle as well. Let us check out the details below:

    Comprehensive Two Wheeler Insurance

    The comprehensive two wheeler insurance, as the name suggests, provide total cover for the vehicle and the insured. It provides four-ways insurance:

    • Protects from Losses Due to Damages

      Any damage that is caused to the vehicle due to man-made calamity or any natural calamity is covered. As the reason may be, the insurer will compensate the damages suffered and get it back running into its original condition. Most insurers offer additional covers or optional features that you can opt to enhance the coverage.

    • Personal Accident Cover

      Offer a personal accident cover up to Rs. 15 lakh to insure against any injuries that result in partial or total temporary or permanent disability or even demise. The Indian motor insurance companies offer the optional benefit to add co-passenger. The insurance providers also include this cover in their liability-only policy.

    • Insures Against Third-party Liability

      Guard against any cause of action arising due to third-party liability. It covers legal liabilities arising from the following:

    • Third-party death or bodily injury

      Protect against any damage resulting due to third-party injuries or even death. These injuries may result in hospitalization, cause temporary or permanent damage or partial or total disability such as loss of limbs or eyes.

    • Damages to third party property

      The insurer covers third-party property damage up to a specified limit as defined under the policy document.

    Liability Only Policy

    The liability?only policy covers the policyholder against legal responsibilities arising due to injuries suffered by a third-party/person/vehicle/property from the insured vehicle. As the name suggests, these types of plans do not safeguard against the damages incurred by the insured vehicle. Most insurers in India also provide a personal accident cover for the owner of the motorcycle, moped or scooter. As per the new rules, all the vehicle insurers will offer multi-year (2 to 3 years) third-party policy cover to all the vehicles that are purchased after Sept 01, 2018.

  • Why is Two Wheeler Insurance Policy Required?

    Motor Vehicle laws mandate that any motor vehicle plying on all public roads in the country should have a minimum of third-party policy. Though it is not essential to buy a comprehensive policy, taking into consideration the nature of costs that may arise from a mishap or any man-made or natural calamity makes it essential to have a comprehensive cover.

    The motor protection laws in India protect the millions of vehicle owners from expenses that may arise due to third-party damages, accidental damage, or theft of a motorcycle, scooter, or moped. The lack of good roads, the morning and evening rush hours and unregulated traffic problems are a part of life today. In addition, events such as rainfall or heat waves may cause problems on the road such as slippery surfaces, mushy or muddy areas, or sticky tar that may cause damages to the vehicle and even injure the riders.

    This Policy Helps in a Number of Ways:

    It protects against the damages caused to the scooter, motorcycle, or moped. Even the vehicles have been improvised and are available with features like better mileage, power, and style. The demand for motorcycles makes it even more necessary to buy comprehensive insurance. These advances also mean the cost of automobiles has gone up along with the cost of their spare parts.Even the simple nuts and bolts or parts such as the gears or the brake pads are now costlier than before. Even small damage can cost you thousands of rupees. This can be avoided with adequate policy. These plans will help the insured to get the vehicles repaired without creating a hole in their pocket. Let us see what all it covers:

    • Damage/Loss Due to Man-made Calamity

      The insurers offer coverage against various man-made calamity, such as burglary, theft, riot, and the strike by outside means, malicious act, terrorist activity, and any damage in transit by road, rail, inland waterway, lift, elevator or air, among others.

    • Damage/Loss Due to Natural Calamity

      Any damage that is caused to the insured vehicle due to the following reasons will be covered. These include fire, explosion, lightning, earthquake, flood, hurricane, cyclone, typhoon, storm, tempest, inundation, hailstorm, and landslide and rockslides, among others.

    • Accidental Cover

      Two-wheeler insurance guards against any injuries to the pillion rider and the co-passenger (if it is also there) from an accident. Most of these accidents result in the medical costs of some kind or the other. The adverse effects of such costs can be mitigated with personal accident cover. The amount of payout depends on the type of damages suffered. In an unfortunate event of the demise of the pillion rider due to a mishap, the full coverage amount is given to the nominees or family members. The amount may be lesser in case of simple injuries from, which the person can recover easily, with or without hospitalization (as mentioned in the document wording or documented wordings). Accidents may occur when the person is riding on the vehicle or is mounting from the motor vehicle. Check the insurance wording for more details.

    • Guard Against Bodily Injuries to the Third-Party

      The policy guard against injuries caused to third parties due to an accident or damage that was caused by the insured motorcycle or scooter. Compensation for bodily injuries is provided as per the policy wordings or as decided by the court of law.

    • Damages to Third-party Property

      Often an accident may result in damages to the property in surroundings. This raises legal responsibilities, as the damages will have to be reimbursed by the insured person. Insurance comes to the rescue in such cases as the policy ensures that the insured does not suffer due to the loss suffered by the third party.

      The plans provide clear definite terms and limitations up to which the insurer will reimburse the affected person. Nearly all of these damages are settled through legal proceedings that ensure all actions are taken in strict accordance with the law of the country, and all causes and reimbursements are addressed in the manner prescribed under the statutes. The strict terms and conditions ensure that the insured does not suffer any loss due to events beyond their control, and the third party receives the necessary compensation due to the loss suffered by them.

    • Peace of Mind

      Any damage incurred to the insured vehicle will lead to an unwanted fiscal cost to get the repairing done. This policy works wonders for vehicle owners. It gives them peace of mind as they don’t have to worry about how to pay for the expenditure. The insurer will take care of the unwanted expenses and one can ride easy, without any cause for worry.

  • Inclusions and Exclusions of Two Wheeler Insurance

    There is a detailed list of inclusions and exclusions – whether natural or man-made, which are detailed in the annexure of the policy documents.

    Inclusions in Two Wheeler Insurance Policy

    • Natural Calamity

      The natural calamity covered includes fire, self-ignitions, earthquakes, floods, inundations, lightning, hurricanes, storms, cyclones, hailstorms, tempests, typhoons, frost, and rockslide.

    • Man-Made Calamity

      These plans provide cover against any accident by external means, burglaries, thefts, riots or strikes, any in-transit damage when the vehicle is being transported from one place to another by roads, railways, inland waterways, lifts (elevators) or by air.

    • Personal Accident Coverage

      A personal accident cover of up to Rs. 15 lakh is available for injuries to the driver/owner that may result in temporary or permanent disabilities or loss of limb- that causes partial or total disability. The cover applies when the person is travelling, mounting or dismounting from the vehicle. The insurers offer optional personal accident insurance for the co-passengers..

    • Legal Third-Party Liability

      This covers against any legal loss of money that may occur due to injuries to anyone in surroundings, which may have even led to the demise. Likewise, it also protects against any damage to a third party./p>

    Exclusions in Two Wheeler Insurance Policy

    • Damage caused by normal wear and tear of the vehicle.

    • Loss from mechanical/electrical breakdowns.

    • Depreciation or any consequential loss from regular use.

    • Any damage to tyres and tubes in the normal course of running.

    • Any loss incurred while the vehicle is being used beyond the scope of coverage.

    • Loss/Damage incurred to the vehicle when driven by a person without a valid driving license.

    • The loss incurred because the driver was driving under the influence of alcohol or drugs.

    • Any damage incurred due to war or mutiny or from nuclear risk

  • Two Wheeler Insurance Comparison

    Two-wheeler insurance can be a life saver in times of need. In addition to protecting against accountabilities due to injuries to the person or their property or collateral, it also provides an accident cover and protection against damages caused to the two-wheeler. You can easily buy bike / two-wheeler policy online or from the offices of the agent or directly from the companies.

    Web sites like PolicyBazaar are a good place to compare two-wheeler quotes online. You can use online two-wheeler insurance premium calculator to find the premium that you need to pay for different plans provided by the motor insurance companies. There are quite a few things to check apart from the premium:

    • Type of 2 Wheeler Insurance Coverages

      There are a number of two-wheeler insurance companies that offer both third-party and comprehensive policy. A comprehensive plan is suitable for those who are looking for a full-proof coverage against the risks.

    • Add-on or Optional Covers

      By paying an extra premium, the add-on covers can be bought. Add-on covers include zero depreciation cover, personal accident cover, emergency roadside assistance, pillion rider cover, medical cover, and accessories cover. The insured only needs to pay the premium for the service charges and taxes in terms of cashless claim settlement. The policy provider, which is the company at cashless network garages meets the rest of the costs.

    • Facilities and Features Available

      Understanding the cut-throat competition in the market, the two-wheeler insurance providers offer various features and benefits to help the consumers in the claim process. For instance, a call centre that operates round the clock, experts who can guide and help you in selecting the right policy, assist in policy renewal transfer of NCB (No Claim Bonus).

      Most insurers provide concessions for members of recognized vehicle associations or for the inclusion of theft-proof devices. Some motor companies also take that extra mile and ensure that the customer’s do not have to follow up with the repair workshop in case of cashless repairs.

    • Claim Process

      Nowadays, most of the policy providers follow a customer-friendly claim-settlement approach. They offer assistance to the insured to take the motorcycle to the nearest authorized service centre. The two-wheeler claim process involves a few broad steps, such as calling the insurer for registration of the claim, filing an FIR with the police station in case of injuries/property damage/or an accident, taking the motorcycle to the garage and submitting the necessary documents with the claim form.

      Essentially, the insurer bears all the expenses, the owner has to bear only the expenditure that is not covered under the two-wheeler insurance and service charges, and tax is extra. The claim process can be quite tedious. You can always refer to PolicyBazaar to get the necessary information online. Customers can also fill out the claim form for two-wheeler claims directly and submit it to the insurer by visiting the nearest branch, thereby attaching documents required, such as a driving license copy, original bills (if required), and get the two-wheeler repaired at the network garages.

    • Renewal Process

      Most of the insurers provide online two-wheeler insurance renewal facility. Buying two-wheeler insurance online is an easy option for everyone. Besides, the companies that offer electronically signed plans are much better, as you can simply (renew when required) and print it from the site and keep the RC and other necessary documents while riding the two-wheeler.

    • Discounts Available

      While comparing, it makes sense to opt for companies that offer discounts such as no claim bonus (NCB), discounts to members of a recognized automotive association, installation of anti-theft devices in the and so on. Moreover, some companies may offer an additional discount for online renewal, purchases made through certain apps or credit card, and NCB for each claim-free year. Most of the companies also offer significant concessions on additional covers. Before making the purchase, it is important to check the website for details.

Ways?to Renew a Two Wheeler Policy Online and Offline

There are two ways to renew two-wheeler policy are:

  • Online Renewal

    Visit the company’s website and follow the steps laid down for two-wheeler policy online renewal. Makes sure all the data is correct and all contact and other personal details are up to date. Keep the old policy with you while you renew so you can refer to it for any details such as old policy number and so on. Also, keep your debit cards or internet banking details handy so you can furnish the information when required.

    The insurers generally generate a digital policy in the PDF format that does not require any person’s signature on confirmation of the premium payment. Save this PDF file in a secure location as you may need it later. Take a print out and keep it with the two-wheeler documents that you keep with you when you ride.

  • Offline Policy Renewal

    Two-wheeler insurance can be traditionally renewed by visiting the insurer’s nearest office. The process is actually very simple though you have to find the time to go to the branch. You need to know your policy and vehicle details and fill the same in the application form. The branch generally hands over the new policy immediately if you pay the premium by cash, demand draft or debit card.

    Cheque payments need time to clear and your policy is generally emailed on the official email address. In case you want to buy new optional riders or add-on covers may require you need to visit the nearest branch office. This varies from one insurer to another and it will be good if you get this detail clarified before you opt for an additional cover.

How to Renew Expired Two Wheeler Insurance Online?

You cannot afford to carry an expired two-wheeler insurance, right? Well, do not forget to consider its aftermath apart from the penalty part. An inactive policy means you’re no more covered by the insurer for any damages, legal liabilities and so forth. The thumb rule of renewal is- the policy should be renewed before the date of policy expiration. You can renew the two-wheeler policy from the official website of the insurer. Another reason for avoiding rush hour renewal or go before the expiration date is to avoid inspection charges. Here is how to process two-wheeler insurance online renewal after expiry.

  • You Can Switch the Insurer Even: If you are not satisfied with your current insurer, which may lead to the delay in renewal (just we guess), you can switch it now. Renewal is the best time to review your policy coverage as well as the insurer. Go shop around, compare and buy the right deal.
  • Go Online: Buying a policy online is convenient, fast and safe. Go to the official website of the insurer, provide the details of your two-wheeler such as make and model, cc capacity, manufacturing year etc. Select the type of insurance from the available options. Know about the IDV and add-ons to boost the policy coverage.
  • Buy Policy and Stay Insured: If they offered premium is suitable to your budget, make the payment online. Every insurer offers a safe payment option through an online payment gateway, where your confidential details are kept safe. Pay the premiums either using credit/debit card or net banking. The insurer will send the soft copy of your policy document to the registered mail ID.

This way you can renew bike insurance policy easily. However, it is recommended to renew online bike insurance policy before it expires. As a two-wheeler insurance policy saves you from expending a huge amount in case of damage or loss. It's your responsibility to keep track of every important thing related to this. If you want to go with an aggregator, you can consider buying from and avail certain additional benefits:

  • Get your two-wheeler insurance renewed without inspection and documentation.
  • Pay no extra charges
  • Quick policy issuance
  • No previous policy details to be provided for cases where the policy has expired for more than 90 days.
  • Online renewal of expired two wheeler / bike insurance policy is quick and easy.

Bike Insurance Price for Two Wheelers

As per the recent hike in third party bike insurance price set by IRDA, you are likely to pay more for two-wheeler bike insurance price for third party cover. When the premium or policy rate of comprehensive POLICY is decided based on certain external factors such as engine capacity, age, location, gender etc. the price of third-party plan is decided by IRDA itself. Moreover, every year it tends to increase. IRDA has proposed a rise of 4 to 21% in the financial year 2019-20. The highest rise of 21% will be noticed in two-wheelers with engine capacity between 150cc and 350cc. Let’s consider the below price table in this regard:

Two Wheeler Third Party Insurance Rates: How Much Third Party Insurance Cost?

A two-wheeler third-party insurance premium cost is decided based upon the engine capacity of the motor vehicle. Based on the same, is the comprehensive list of third-party insurance premium price / rate mentioned-below:

Vehicle Type

Third-Party?Insurer Premium Rates



Percentage of Increase (%)

Vehicle not exceeding 75cc

Rs. 427

Rs. 482


Exceeding 75cc to 150cc

Rs. 720

Rs. 752


Exceeding 150cc to 350cc

Rs. 985

Rs. 1193


Exceeding 350cc

Rs. 2323

Rs. 2323

No change

Written By: PolicyBazaar - Updated: 28 February 2020
Insurer Third Party Cover Add On Covers Special Features Limitations
Bajaj Allianz Two Wheeler InsuranceBajaj Allianz Two Wheeler Insurance Up to 1 L for third party property damage No Add ons available for Two Wheelers
  • Expired policies/ Owner Transfer cases can be renewed, WITHOUT Inspection and Documentation
  • Instant Policy Issuance
  • The swift claim settlement process
  • Available for vehicles up to 15 years old
Bharti AXA Two Wheeler InsuranceBharti AXA Two Wheeler InsuranceUp to 1 L for third party property damageNo Add ons available for Two Wheelers
  • Expired policies can be renewed, WITHOUT Inspection and Documentation
  • Instant Policy Issuance
  • The swift claim settlement process
  • Available for vehicles up to 10 years old
HDFC Ergo Two Wheeler InsuranceHDFC Ergo Two Wheeler InsuranceUp to 1 L for third party property damageZero Depreciation (ZD)
  • Expired policies can be renewed, WITHOUT Inspection and Documentation
  • Instant Policy Issuance
  • The swift claim settlement process
  • Renew expired policies- WITHOUT Inspection and Documentation
  • ZD plan available for vehicles up to 24 months old
  • Available for vehicles up to 15 years old
IFFCO Tokio Two Wheeler InsuranceIFFCO Tokio Two Wheeler InsuranceUp to 1 L for third party property damageNo Add ons available for Two Wheelers
  • Instant Policy Issuance
  • Comprehensive support through our dedicated customer support team
  • Available for vehicles up to 10 years old
New India Assurance Two Wheeler InsuranceNew India Assurance Two Wheeler InsuranceUp to 1 L for third party property damageZero Depreciation (ZD)
  • Instant Policy Issuance
  • Quick and hassle-free settlement for your two wheeler insurance claims
  • ZD plan available for vehicles up to 58 months old
  • Available for vehicles up to 10 years old
Reliance Two Wheeler InsuranceReliance Two Wheeler InsuranceUp to 1 L for third party property damageNo Add ons available for Two Wheelers
  • Instant Policy Issuance
  • The swift claim settlement process
  • Available for vehicles up to 10 years old
Universal Sompo Two Wheeler InsuranceUniversal Sompo Two Wheeler InsuranceUp to 1 L for third party property damageZero Depreciation (ZD)
  • Instant Policy Issuance
  • Quick and hassle-free settlement for your two wheeler insurance claims
  • ZD plan available for vehicles up to 60 months old
  • Available for vehicles up to 10 years old

What documents should I submit to get discount on two-wheeler insurance on the basis of my age and occupation?


To avail discounts on the basis of your age and occupation, you would need to submit Pan Card and employment or education certificate respectively.


Can I replace a new vehicle in my current insurance policy?


Yes, you can replace your new vehicle in your current insurance policy. Call the insurance company to make changes effective.


Can I cancel the policy during the tenure of the insurance?


Yes, you can cancel the policy during its term, provided you submit documents to prove that your vehicle has been insured elsewhere or the registration certificate of your vehicle has been cancelled by the Regional Transport Office (RTO). Once the policy is cancelled, the insurer will refund the remaining amount, after deducting the premium for a period in which coverage has been given. The refund is possible only if there has been no claim during the policy tenure.


Why should I buy comprehensive insurance policy when law mandates only 3rd party, injury, and death or property loss?


Although, as per law it is compulsory only to buy 3rd party bike insurance it is strongly advised to purchase a comprehensive policy to protect your two-wheeler from both man-made and natural calamities. By buying comprehensive cover, you can claim from your insurance company for accidents or damages caused to the vehicle. Without comprehensive cover, the entire responsibility to pay the bill comes on your shoulder. Thus, by opting for a comprehensive insurance policy, you can get complete peace of mind that whatever happens to your two-wheeler, the insurer will share your financial burden.


What information do I need to submit to buy two-wheeler insurance online?


To buy a two-wheeler policy online, no documentation is required. He only needs to give the previous policy details and RC information at the time of buying the insurance policy, which is checked at the time of policy renewal.


Can I get NCB on the expired insurance policy?


You can get NCB on the expired policy only if you renew it within 90 days of the policy expiry date.


Can I buy and renew two wheeler insurance policies online?


Yes, you can buy and renew motor insurance policy online by using your credit/debit account or bank account details. We, at PolicyBazaar, offer an easy and efficient mechanism to purchase and renew policies online on a click of a mouse. For insurance related queries, contact us at 1800-208-8787 (24*7 Toll-Free).


What if my insurance policy is misplaced?


Contact your motor insurance company and they will issue a duplicate copy of the policy. You may have to pay a nominal amount to get the duplicate copy.

In the case of online policy, soft copy of the policy is sent to the email address of the customer. Usually, policy documents are digitally signed and a coloured print out of the same works as a valid hard copy.


What is a no claim bonus (NCB)?


The bonus received by the two-wheeler policyholder when he has not made any single claim in policy tenure is called no claim bonus (NCB).


In which all cases, inspection of a vehicle is mandatory?


Inspection of a vehicle is mandatory only when you buy a policy offline. In online cases, inspection is not required.


What is the tenure of policy?


wheeler insurance policies for a longer duration, for 3 to 5 years. And all the two-wheelers that will be sold after Sept 01, 2019 shall be issued a long-term third-party insurance policy. The claim process can be quite tedious


What is the endorsement in two-wheeler insurance?


The term endorsement with reference to two-wheeler insurance refers to an agreement that is documented proof of any changes in the policy terms. This document is valid proof of the changes in policy. The endorsement, typically, is of two types – Premium Bearing and Non-premium Bearing.


What to do if my two-wheeler is lost or stolen?


In this case, you need to visit the nearest police station to lodge an FIR against the lost or stolen vehicle. You also need to inform your insurer about the incident in order to file a claim, which requires you to submit certain documents with a copy of the FIR attached.


How is the two-wheeler insurance premium affected?


The premium payable for your two-wheeler insurance policy is subject to its age and several other factors. This means that the IDV (Insured Declared Value) of your two-wheeler decreases with its increasing age and the premium payable for the same is also lowered.


Do we get personal accident insurance cover within bike insurance?


Yes, you get a personal accident insurance cover of Rs. 15 Lakh with your bike insurance policy that should be a comprehensive two-wheeler insurance policy.


How can we buy long-term two wheeler insurance?


The long-term two-wheeler insurance policies introduced by IRDA of India are now offered by various top notch general insurance companies. You can easily buy one for your two-wheeler online/offline from your existing or a new insurer and pay the premium through a Debit Card, Credit Card, or Internet Banking.


What is Long-term Two-wheeler (LTTW) Insurance?


A long-term two-wheeler insurance policy is a multi-year insurance policy for your two-wheeler, which has a validity of 2 to 3 years. The primary benefit of a long-term two-wheeler insurance policy is that you don’t have to renew it annually (i.e. after 12 months) and the IDV and third-party liability of the vehicle remains intact over the policy term.

Two Wheeler Insurance Reviews & Ratings
4.6 / 5 (Based on 22 Reviews)
(Showing Newest 15 reviews)
Garhmukteshwar, March 30, 2020
Better interface
I found the interface very nice and useful. It is quite smooth. Easy to understand and use.
Adalaj, March 25, 2020
Various plans
It’s great when you get variety of things at one place. So I found variety of plans at one website of policybazaar. I am quite happy that I can select the plan according to your budget. And can compare it too.
Adaspur, March 24, 2020
Customer care
The customer care team Is very nice. They really helped and guided me in getting the best two wheeler policy. They gave me proper guidance and explained me about each and every plan.
Palakkad, March 23, 2020
Customer friendly
The model of my bike was missing in the list of Policybazaar, however, as per my request, they added the model and quotes to their list and trust me, the premium was quite low than the other platforms.
Andal, January 24, 2020
Best place to get insurance
I always get all the required insurances done from Policybazaar and they never disappoint me. Best quotes, best information and best services.
Manar, January 09, 2020
It took my just a few minutes to get my bike’s insurance and the process was smooth. Haven’t claimed yet, so unaware about the claim process.
Rayavaram, December 26, 2019
Nice support
My insurer was delaying the claim reimbursement, however, Policybazaar intervened it got it done quickly.
Melpuram_pakode, December 18, 2019
Best price
After comparing the prices of my scooter’s insurance at various platforms, I saw that Policybazaar is offering lowest premiums. Thank you, Policybazaar.
Lakhissarai, December 17, 2019
Instant policy
I got my bike insurance renewed with Policybazaar and within less than 10 minutes of making the payment, I received the soft copy of the policy.
Islampur, December 16, 2019
I just signed in to Policybazaar to check the quotations for my bike’s insurance. I got a call from their executive in a few minutes and she explained everything to me so well. I got the insurance renewed and am happy with the services.
Shrirampur, December 05, 2019
Understand the need
The customer service people do understand the customer needs that what kind of two wheeler plans we want and the budget also. I am happy and will renew my insurance from them only.
Adivada, August 31, 2019
Claim assistance like no one else
Policybazaar was really helpful when I had an accident and put my vehicle at the service centre, they were with me all the while till I received my claim. I strongly recommend Policybazaar to everyone.
Panchayath, August 09, 2019
Very informative and easy
Policybazaar has listed so many insurers and along with their pros & cons and inclusions & exclusions. This made it very easy for me to get the best one for myself.
Shahdol, August 05, 2019
No.1 insurance selling platform
I got the most suited policy for myself as I was able to compare a lot of policies and check their returns & premiums.
Yavatmal, August 03, 2019
Get insurance before your maggi is ready
I never thought that getting a two-wheeler insurance could be so quick and easy. The entire process was smooth and I got the best deal on Policybazaar.


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