Hello Jigisha, Thanks for writing in. Two-wheeler insurance typically covers damages caused due to accidents, theft, natural calamities, and third-party liabilities. However, it may not cover damages caused due to regular wear and tear, mechanical or electrical breakdown, driving under the influence of alcohol or drugs, or illegal activities.

There are two types of policies under Two-wheeler insurance.

Under a third-party bike insurance policy, the insurance company will cover the cost of any damages caused to the third party's property or injuries sustained by the third party in an accident involving your bike. However, this policy does not cover damages to your bike or injuries sustained by you in an accident.

It is essential to have a third-party bike insurance policy, as it not only protects you from financial liabilities but also helps you comply with the law. In case of an accident, having a third-party bike insurance policy can provide you with peace of mind and financial security.

Under a comprehensive third-party insurance policy, the insurance company will cover the cost of any damages caused to the third party's property or injuries sustained by the third party in an accident involving your bike. This policy also covers damages to your bike and injuries sustained by you in an accident up to the policy limit.

While a comprehensive third-party insurance policy provides greater coverage than a basic third-party insurance policy, it is also more expensive. However, the additional coverage provided by a comprehensive policy can provide you with greater peace of mind and financial security in case of an accident.

For more information about two-wheeler insurance here