National Insurance Two Wheeler

National Insurance Company, India's one of the largest and oldest general insurance company which provides tailor-made and comprehensive insurance plans. It's the only Public Sector General Insurance Company to introduce product customization both Corporate and Rural insurance plans. General Insurance of this Group is an important sector where the company promises to deliver a product which meets the requirements of a common man. Multiple insurance plans like Motor Insurance Plans, Two wheeler insurance plans, Health Insurance Plans, Rural Insurance Plans, Industrial Insurance Plan, Commercial Risk Insurance Plans, Personal Accident Plans, Home Insurance Plans for Individuals and other types of insurance too which are tailor-made and customer friendly and completely transparent.

Here we will discuss the National Insurance Two-wheeler Insurance Plans

Why National Two Wheeler Insurance Plans are necessary?

Two wheeler vehicles are always treated as an important asset in our lives. But again driving a two-wheeler is always dangerous and really risky and one has to be careful and cautious always. But accidents might happen at any point of time due to someone else not following the traffic rules or due to some untoward incidents. And that is why one should avail auto insurance plans to protect oneself and to cover from all unexpected expenses. Not only this, but natural calamities can also occur at any point of time and hence protection/security against such unpleasant incident is also of utmost importance. Hence to avail, 2-wheeler insurance plan is of utmost important because:

  • Protecting one’s two-wheeler vehicle, one of the most important assets and investment
  • The plans allow the payment of medical bills in case of an accident
  • In case of an accident-related lawsuit the insurance company will take care if there is a insurance plan availed
  • The plan protects the assets which one has worked hard for from being lost due to the lawsuit. And the plans ensure the best to be given to the insured person
  • The insurance plan not only pays for accidents and natural calamities but also for theft and vandalism. The plans are very well designed and they are tailor-made to take care of the requirements
  • Last but not the least; one has the peace of mind when he goes out with his two-wheeler. He/she know that he has the insurance plans which will take care of him and the car in case of any unforeseen circumstances

Each and every two-wheeler owner should have an insurance plan which gives the coverage of the third party injury, death or property damage. Hence, National  Insurance provides a two wheeler insurance which protect the vehicle from any untoward incidents. One should choose the two-wheeler insurance plans very carefully so that the plans cover all the protection that one needs for his vehicle and for oneself.

Why National Two Wheeler Insurance Policy?

National Insurance two wheeler plans come with the following unique features and benefits:

  • Online two wheeler insurance purchase and renewal
  • Provides two wheeler insurance coverage along with personal accident cover for co-passenger for up to Rs 1 lakh
  • Low-cost plans with tailor-made coverages
  • Fast and hassle-free cashless claim service
  • No Claim Bonus is also available
  • Swift and faster claim settlement process
  • Tracking of claim status online
  • Existing No Claim Bonus can be transferred from any other insurer

Here we will see an overview of National Insurance Two Wheeler Plan.

National Insurance Two Wheeler Policy Coverage

There are two types of covers that are available under the plan which are namely :

  • Liability Only Cover: This plan covers any legal liability after an accident. It covers the below-mentioned risks:
  • Package Cover: Under this plan, it covers all the liabilities as per the Motor Vehicles Act, as well as the damages caused to the vehicle. It’s a comprehensive Motor Plan which covers both third-party risks and loss/ damages to one’s own vehicle , co-passenger or self. The plan covers Own Damage to the Insured Vehicle caused due to the following:
    • Injury or Death of Third Party
    • Property Damage ( Third Party Property Damage up to Rs. 7.5 lakhs)
  • Burglary, Housebreaking or Theft: This plan covers the loss or damage burglary, housebreaking or theft.
  • Fire, Explosion, Self-Ignition or Lighting: This plan covers the expenses which is uncured under fire, explosion. Self-ignition as well as lighting.
  • Malicious Act: The  Plan covers even the Malicious act as well.
  • Terrorist Act: The  Plan covers the human activity of Terrorist Act also.
  • Riot and Strike: Under this plan, the riots and strike are also covered.
  • Earthquake & Fire: Both earthquake and fire are treated as the most common phenomenon in a life cycle and hence this plan covers these two important unpleasant incidents also.
  • Accidental by external means.
  • Natural calamities like flood, typhoon, hurricane, storm, cyclone, hailstorm, tempest and Inundation are also covered under this plan.
  • Landslide or Rockslide are covered under the Package Plan.

Subject to a deduction of depreciation at the rates as mentioned below with respect to the parts replaced:

i) For all rubber/ nylon/plastic parts, tires, tubes and batteries- 50%

ii) For fibreglass components- 30%

iii) For all parts made of glass- Nil

iv) Rate of depreciation for all other parts which includes wooden parts as well as per the below mentioned schedule:

Age of Vehicle

% of Deprecation

Not exceeding 6 months


Exceeding 6 months but less than 1 year


Exceeding 1 year but less than 2 years


Exceeding 2 years but less than 3 years


Exceeding 3 years but less than 4 years


Exceeding 4 years but less than 5 years


Exceeding 5 years but less than 10 years


Above 10 years


The important exclusions are as follows:

  • Consequential loss
  • Wear and tear
  • Mechanical or electrical breakdown failures or breakages
  • Driving with invalid driving license and with consumption of alcohol
  • Loss due to civil war, war
  • Usage beyond private purposes and limits
  • Usage beyond specified borders
  • Damage to tyres and tubes unless the two-wheeler is also damaged at the same time and under this plan, the company will pay only 50% of the cost of replacement
  • Loss or damage to accessories due to burglary housebreaking or theft
  • Any accidental loss due to the consumption of alcohol, drugs

This plan covers the towing charges as well from the incident place to the garage or the workshop to the tune of Rs 300/- with respect to any one accident. The company will pay the cost which is reasonable. The insured may authorize the repair of the vehicle provided:

  • The estimated costs of the repair which includes replacement as well do not exceed Rs 15/-.
  • A detailed estimated statement is furnished to the company.

Insured Declared Value (IDV)

IDV or the Insured Declared value is the Sum Insured of a vehicle. The IDV is derived from the producer’s selling price of a car of the similar specifications and from this value, the relevant amount of depreciation is deducted based on the age of the vehicle. IDV of vehicles which are beyond 5 years of age and are treated as obsolete models, there the IDV is to be determined on the basis of the consideration between the insurer and the insured.

Schedule of depreciation for fixing the IDV of the vehicle 

Age of Vehicle

% of Deprecation

Not exceeding 6 months


Exceeding 6 months but less than 1 year


Exceeding 1 year but less than 2 years


Exceeding 2 years but less than 3 years


Exceeding 3 years but less than 4 years


Exceeding 4 years but less than 5 years



IDV of vehicles beyond 5 years is treated as obsolete models and the same arrives after a mutual understanding between the insured and the insurer.

Section II -Liability to Third Parties

The Coverage of third party liability for bodily injury and or death are also covered under this plan.

  • Death or bodily injury to any person including the occupants in the insured vehicle
  • Damage to property other than the property of the insured person or held in trust or in custody or control of the insured
  • The company will pay all the costs with a written consent
  • The company will cover the loss for any driver who is driving the vehicle on the insured’s order or permission provided the terms and conditions are met
  • In the event of death, the company will indemnify the personal/ legal representative
  • The company at its own discretion may arrange for representation at any Inquest or Fatal injury with respect to death under this plan. Also, the company may undertake the defence of proceedings in any Court of Law

Section III - Personal Accident Cover for owner-driver

The company compensates the loss as per the below grid for bodily injury or death of the owner-driver while driving caused by violent accidental external and visible means. The insurer offers personal accident cover up to Rs. 15 Lakh.

Nature of Injury

Scale of compensation



Loss of two limbs or two eye sights or one limb and one eyesight.


Loss of one limb or one eyesight


Permanent Total Disablement from injuries other than as mentioned above.



  • The compensation will be payable under any one of the above as listed with respect to the owner diver arising out of any one occurrence
  • No compensation will be entertained due to to intentional self-injury suicide or attempted suicide physical defect or infirmity and consumption of alcohol or drugs.

Exclusions under National Insurance Two Wheeler Policy

There are a few general exclusions which are there in National General Two Wheeler Insurance Plan. The company will not be liable to grant cover in any of the following events or incidents happening:

  • Any loss or damage and liability caused to the vehicle due to willful negligence
  • Any loss or damage and liability caused to the vehicle outside the geographical boundary as laid down in the policy document
  • Any claim arising due to a contractual liability
  • Damage/ loss caused or liability incurred  due to
    • The insured vehicle is driven or being used outside the limitations mentioned  in the plan or
    • Being driven by an unauthorized person other than the Driver as stated in the Driver’s Clause
  • Damage/ loss caused or liability caused due to nuclear weapons material
  • Damage/ loss caused or liability caused due to damage to property resulting from any consequential loss
  • Damage/ loss caused or liability caused directly or indirectly from radioactive contamination or ionizing radiations from any nuclear power or nuclear waste or materials
  • Accidental loss/ damage/ liability due to war or warlike activities, hostilities, invasion, civil war, military power, mutiny rebellion, acts of foreign enemies and events arising out of the mentioned occurrences
  • Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown

National Insurance Bike Renewal Process

Every two wheeler insurance policy needs to be renewed before its due date. If the policy is not renewed on time, the policyholder will not be able to raise any claims and will also lose policy benefits, such as No Claim Bonus.The good part is that the national insurance bike renewal can be done online. Besides, the process is extremely easy and effortless. Take a look at the national insurance bike renewal process below:

  • Go to the two wheeler policy renewal section on the website
  • Enter the previous policy number as well as details of the policyholder
  • Review the two wheeler insurance plan to be purchased
  • Choose the add-on covers to be bought
  • Make a payment towards National Insurance bike renewal online
  • Once the payment is successful, the policyholder will be intimated about policy renewal.

Procedure to Claim National Insurance Two Wheeler Policy

The claim service of the company is highly efficient and of a high standard. One can make 24x7 claims notification. Timely customer service and assistance along with the survey and further assistance within a day. Simple claims procedure and ensuring high customer satisfaction.

  • Call at the toll-free no of the company and lodge the claim. The following information’s are to be provided:
    • Policy Number
    • Date and time of the accident
    • Estimated loss/ description
    • Survey location where the vehicle can be surveyed by our loss assessor
    • Name of the driver with contact no and his/ her driving license details
    • Insured Contact Details
    • Claim representative will contact the insured person for further process
    •  Claim representative will provide the claim reference number for future reference
    • After the claim gets submitted and the same is approved, a text message will be sent intimating the surveyor details
    • A Surveyor is appointed to assess the loss of the insured vehicle and inspection of the same. Post which the approval is given and the insured is intimated about the claim status
    • The Surveyor will contact for a suitable time for a survey and will conduct the survey
    • After this, one can contact at CHD / Surveyor when the vehicle is ready for inspection

Documents needed to register a claim National Insurance Two Wheeler Policy

Documents which are to be submitted at the time of registering a claim are as under:

  • Duly Filled Claim Form
  • Copy of Driving License
  • Certificate of Registration
  • Police FIR
  • Motor Insurance Policy with schedule and endorsement/ clause
  • Copy of the plan and receipt of payment of premium
  • Fitness certificate( Commercial Vehicles only)


  • One can contact at the toll-free number of the company

National Insurance Two Wheeler Insurance - FAQs

Written By: PolicyBazaar - Updated: 15 January 2021

National Insurance Two Wheeler Reviews & Ratings

5 / 5 (Based on 18 Reviews)
(Showing Newest 18 reviews)
Farenda, October 05, 2020
Best plan
I feel that national insurance has given me best plan for my two wheeler insurance policy. It is really amazing and worth according to the price. Thanks team national insurance.
N.paravur, October 01, 2020
Survey is easily done
At the time of the claim my two wheeler survey was done. It was done by the customer care of the national insurance and there was no such load given to me. Thanks a ton national insurance.
Habra, September 30, 2020
Make online payment
I have made the payment online for my two wheeler insurance policy. It is very good way to make the payment and it is much transparent in nature. You have the proof of everything. Thank you national insurance.
Farenda, September 28, 2020
Choose add on covers
I have choose the add on covers along with my two wheeler insurance policy. The add on covers includes the depreciation cover and no claim bonus. I am thankful to team national insurance for such wonderful plans.
Vadali, September 23, 2020
Claim settlement
I have filed for the claim for my two wheeler with the help of the national two wheeler company. The claim was easily settled and my two wheeler was repaired on time. It was done in a very best manner. All thanks to national insurance company.
Lahul And Spiti, September 21, 2020
Man-made disaster
I have taken the two wheeler insurance policy from the national insurance company and along with that I got the features and safety related to man-made disasters such as curfew, riots, accidents, losses, theft etc. Thank you team for such good plans.
Padrauna, September 18, 2020
No claim bonus
I have got my no claim bonus certificate from the national insurance company and it was simple to get through. Not only that it was quickly available to me on my registered email address. Thanks a lot team Policybazaar.
N.paravur, September 16, 2020
Personal accident plans
I have got the two wheeler insurance plan from the national two wheeler company and along with that I got the personal accident coverage. It will protect me and my family from certain obstacles and specially designed for the drivers.
Odagoan, September 14, 2020
Standardised plans
I have recently got the two wheeler insurance policy from the national insurance company. It has certain standardised and amazing plans which gives better protection to my two wheeler. I am happy with the plans. Thanks team.
Karim_nagar, October 07, 2016
Better To Have Two Wheeler Policy
I have two wheeler insurance policy which is low in premiums and claims are high which can be easily sanctioned. Good national general insurance company provides me best benefits. Service is fast and even tow service is free of cost.
Barielly, October 04, 2016
Beneficial Plan
Premium of my bike insurance plan is less and returns are high. Thanks national general insurance company for the service which is never late, always on time. Coverage is good and claims are easy to get. Online renewals are best service which is very simple to do through online portal website of the company.
Karauli, August 30, 2016
Vehicle Insurance
National general insurance is one of the best insurers and i have purchased two wheeler insurance plan. Service you provided is fantastic and behaviour of the staff is very nice. Online renewal is very much possible through online portal service and it is very simple to access by anybody.
Huliyar, August 17, 2016
Fantastic Policy
I have two wheeler insurance policy plan which come's in less investment and it has low premiums too. The policy coverage and claims are high and sanctioning claims is very simple because of fast service given by the executives of the insurance company.
Rai_bareilly, August 05, 2016
My vehicle is secure with national two wheeler insurance policy. Tow facility is available at any location for free of cost. Good number of garages for fast service. The whole vehicle is secure except tires and fiber body part of the vehicle.
Coimbatore, August 05, 2016
Bike insurance
The policy i have is for my new bike which come's in less investments and the paybacks are high. Policy coverage is high ~90% and claims are even better. Service provided is fantastic and large number of garages are working 24X7.
Fatehgarh, August 03, 2016
Nice Policy
National two wheeler insurance policy i have is great and it come's in low investment. The service is fast which is given by the staff of the company. Policy premium is less and returns are high. Claiming is easy because of executives and members.
Hargaon, August 03, 2016
Two Wheeler Insurance
My two wheeler insurance is good insurance plan. The policy coverage is high and claims are the best. The service is fast and on time facilitate by the executives and company members. The vehicle is secure excluding tires.
Faridabad, May 13, 2016
I have bought national two wheeler insurance plan with great benefits. The policy coverage is high and the claims are even better. The premiums are low and the service facilitate by the executives and staff members is really very nice. The tow facility is provided for free of cost.
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