National Comprehensive Two-Wheeler Insurance Policy

The National Insurance comprehensive bike insurance policy provides coverage for third-party liabilities as well as own damage liabilities. In addition, the Comprehensive Policy allows for add-on covers like zero depreciation insurance, which further enhances the benefits of the policyholder. Bike owners should purchase comprehensive insurance because it diminishes their liability in case of any damage caused by them to a third party or their own bikes or themselves while driving on the road.

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National Comprehensive Bike Insurance vs. Third-Party Bike Insurance

Below is a table for comparison between the two types of bike insurance policies by National Insurance two-wheeler insurance:

Comprehensive Bike Insurance

Third-Party Bike Insurance

The policy covers own-damage expenses incurred by the insured's bike as well as Third Party Liabilities

This type of  policy only covers third party damages caused by the insured's bike

Various add-ons such as Consumables Cover, Zero Depreciation, and Return to Invoice Cover etc., are available along with the Comprehensive Bike Insurance cover

Policyholders cannot opt for any add-on covers

The premium of this policy is relatively higher as it provides higher coverage benefits

This policy is cost-effective for the policyholders due to the limited coverage benefits

Benefits of the National Comprehensive Bike Insurance Policy

The National comprehensive bike insurance policy benefits the policyholder in the following ways:

  • No third party liability to the insured. Any damage that is caused to a third party is covered and compensated by the insurer
  • The comprehensive insurance policy covers the own-damagedliability of the insured
  • The policyholder is allowed to avail of add-ons along with the comprehensive insurance policy
  • Other benefits include round-the-clock customer care availability and quick claim settlement

What is Covered under National Comprehensive Bike Insurance Policy?

 The National comprehensive bike insurance policy covers the following claims during the policy term:

1. Third-party Liabilities:

The National comprehensive bike insurance policy covers the insured for third party liabilities. The insurer compensates for any damage, death, or injury caused to a third party due to the insured's bike.

 2. Own damage caused by Natural Calamities:

The National comprehensive bike insurance policy covers the damages caused to the insured's bike due to natural calamities like floods, landslides, etc.

 3. Own damage caused by Manmade Disasters:

The National comprehensive bike insurance policy covers the damages caused to the insured's bike due to any manmade disaster like a terrorist attack, fire, riots, and so on.

4. Theft:

In case the insured bike gets stolen, the insurer provides coverage for the same. 

What is not covered under the National Comprehensive Bike Insurance Policy?

The National Insurance comprehensive bike insurance policy doesn't cover the following expenses:

  • Normal wear and tear of the bike
  • Mechanical or electrical breakdown of the bike
  • Damage incurred due to willful negligence
  • Damage incurred due to contractual liability
  • Damage incurred due to driving without a valid driving license or under intoxication.
  • Damage incurred during a war, mutiny, nuclear risk, rebellion, or during any such terrorist activity.


  • Q. Why national comprehensive bike insurance policy?

    The National Insurance comprehensive two-wheeler insurance policy covers the third party financial liabilities and the own-damage financial liability of the policyholder. This extensive coverage provided by comprehensive insurance instills a sense of security in the mind of the policyholder. The premium cost of comprehensive insurance is higher owing to the comprehensive coverage benefits.

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 45 Reviews)

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National Comprehensive Two-Wheeler Insurance Policy Reviews & Ratings

4.8 / 5 (Based on 45 Reviews)
(Showing Newest 10 reviews)
Nashik, October 09, 2021
Add on cover
Customization is the best option on the website of Policybazaar. After comparison I bought national two wheeler insurance and with add ons I added additional features under it. I really liked the coverage that is provided in my plan.
Agra, October 09, 2021
Good features
I have saved my savings from getting wasted in unwanted expenses. I took National Two Wheeler Insurance for my bike and It provided me the facility of cashless repair in case of damage to the insured bike due to an accident.
Ghaziabad, August 18, 2021
Easy payment mode
I have seen so many deals on the various website then i bought a national insurance plan for my vehicle from policy bazaar. i am so satisfied and happy with the services of policy procedure was smooth and making payment was easy.
Ludhiana, August 18, 2021
faster claim settlement
I got low cost plan for my two wheeler from National two wheeler insurance which i took from policy bazaar. they are providing me faster claim settlement under my plan.i do not need to go anywhere to track my status i can do this from home itself.
Agra, August 18, 2021
Best deals
I was not satisfied with my previous policy and I talked to my friend about this and my friend suggested me to switch your plan and buy from policy bazaar, you will like their i am satisfied with my new plan.
Gadag, May 10, 2021
Quick and easy claiming process
I was looking for a two wheeler insurance policy for my bajaj pulsar 125. I wanted to purchase a policy which does not require me to run around to get the claiming done. I ended up purchasing the National two wheeler insurance policy because the promise to provide quick claiming process. Thanks team
Faridabad, May 10, 2021
Low premium rates
I recently bought a Honda active and I was looking to purchase a two wheeler insurance policy. I went online and went on the policybazaar website. I was amazed to see so many insurance policies and I chose the national two wheeler insurance policy because it fit my budget and the premium rates were low. Thanks guys.
Hadol, May 10, 2021
Good coverage
I was looking for a two wheeler insurance policy for my Honda shine. I purchased the bike recently and I wanted a policy that could provide cover in case of accident happens. I went on policybazaar and I bought national two wheeler insurance policy because it fit my needs. Thanks team
K.c. Pur, March 19, 2021
Numerous Methods to Make Online Payment
I purchased National Two-Wheeler Insurance for my Bajaj Pulsar 150CC bike through First of all, I want to say that despite being new at online purchase I did not find any difficulty in online purchase of bike insurance policy as their user interface is very easy, Moreover, provides numerous options to make an online purchase which includes the use of debit/ credit card, NEFT transfer, using UPI payment, Net-Banking, etc. are to name a few. I used debit card payment and purchased policy without any issue.
K.c. Pur, March 09, 2021
Quick and Simple Policy Renewal
I wanted to renew the National Two-Wheeler Insurance policy online and I selected as a platform. The understandable user interface of this website helped me to quickly renew my policy.