National Third-Party Two-Wheeler Insurance

Third-party insurance is a mandatory policy that has to be taken by every bike owner in India. National third-party bike insurance covers up for the loss and damages caused to a third party by the policyholder due to an accident.

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The Motor Vehicle Act, 1988 makes it compulsory for every vehicle owner to have third-party insurance. The third-party bike insurance covers the legal liability of the insured towards the third party that includes:

  • Bodily injuries caused to a third party
  • Death of a third party
  • Damage to the third party property

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National Third-Party Bike Insurance

The National General Insurance Company lets the policyholder fulfill the requirements of the Indian Motor Vehicle Act, 1988 and saves him from any unforeseen road emergency arising due to third-party claims or liabilities. In case of any damage incurred by a third party due to the insured's two-wheeler, the National third-party  bike insurance provides basic security cover to the insured in terms of:

1. Financial Assistance

2. Legal Assistance

National Third-Party Two-Wheeler Insurance vs. Comprehensive Two-Wheeler Insurance


Third-Party Bike Insurance

Comprehensive Bike Insurance


It offers coverage for the legal and financial liabilities of the third party only

It provides coverage for the damages to the insured's bike as well as any third party


It is a mandatory requirement as per the Indian Motor Vehicle Act, 1988

Its purchase is optional for those who wish to get own damage cover as well


No add-ons are available

A variety of add-on covers are available for the policyholder


The third-party insurance is cost-effective due to its limited coverage benefits

The premium of the comprehensive policy is relatively high due to the wider scope of coverage

What is covered under the National Third-Party Bike Insurance Policy?

National third-party bike insurance provides the following coverage benefits to the policyholder:

1. Loss of life & bodily injury cover to the third party:  The insurer compensates for any bodily injury or loss of life caused to the third party from your vehicle. The amount of compensation, in this case, is decided by the court depending upon the facts of the case.

2. Property damage of the third party:  The limit is up to Rs 1 lakh in case of damage caused to a third party vehicle from your vehicle.

What is not covered under the National Third-Party Bike Insurance Policy?

The National third-party bike insurance policy doesn't cover the following points:

1. No coverage for the injuries suffered by the insured person

2. No coverage of the damages incurred to the insured bike

3. Any loss or damage incurred due to drink and driving, invalid driving license, and usage of the vehicle beyond the scope of coverage


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 Third-Party Two-Wheeler Insurance 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.