Navi Third-Party Bike Insurance

Navi General Insurance's third-party bike insurance policyholders get a lot of coverage for their bikes and scooters. The policy covers legal and financial obligations to a third party. According to the Motor Vehicles Act, every bike owner must have a third-party insurance policy when driving on the roads. The owner of a new bike must purchase third-party insurance for at least five years. Navi General Insurance provides reasonable third-party insurance that may be purchased online.

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


Third-Party Bike Insurance

Comprehensive Bike Insurance


Third-party bike insurance protects you from financial and legal obligations owed to a third party if one has an accident while riding the bike

It covers 3rd party liabilites along with own-damages resulting due to an accident, theft, natural disasters, manmade disasters, and so on

Nature of Requirement

According to the Motor Vehicles Act, it is a necessity

It is optional because it is based on personal choices

Add-ons Availability

There are no add-on covers that may be added to the third-party bike insurance plans

The coverage can be expanded with add-on covers


Because of the limited coverage, third-party insurance premiums are comparatively less

Because of the substantial coverage, the premium for a comprehensive policy is slightly higher


What is Covered under Navi Third-Party Bike Insurance Policy?

Navi third-party bike insurance policy provides coverage against various situations that could result in damage or loss. The policyholders are covered for the following expenses:

  • Third Party Property Damage CoverThis plan compensates a third party for property damage caused by an accident or incident involving the insured person's motorcycle. Third-party property damage compensation is restricted to Rs 1 lakh.
  • Third-Party Bodily Injuries or Death CoverThe insurance company pays for the accidental injury or death of a third party. However, in the event of a loss of life or disability, the insurer determines the compensation amount based on a court of law's decision.
  • Personal Accident Cover: This is an add-on cover that is provided with third-party insurance. It provides coverage to the owner-driver in case of accidental injuries.

What is Not Covered Under Navi Third-Party Bike Insurance Plan?

Third-party insurance policies have restricted coverage, which all policyholders should be aware of. The following are some things that aren't covered by third-party bike insurance:

  • Contractual damages are not covered
  • Accidents occurring because of drunk driving are not covered
  • If you were driving without a license, then the policy won't provide coverage
  • If you delay informing the insurer, you won't receive any coverage


  • Q1. What does third-party liability mean in terms of bike insurance?

    Third-party liability means the damages that you may cause to a third party in the event of a road accident. These damages can be property and bodily damages. In such scenarios, you will be expected to compensate the third party for the losses. 

  • Q2. Is Navi third-party bike insurance sufficient

    Third-party bike insurance provides coverage for third-party liabilities only. Though it is less expensive and mandated by law, it is insufficient for people who wish to have own damage cover, and avail of add-on benefits like zero depreciation cover, roadside assistance, etc. 

  • Q3. How to buy the Navi third-party bike insurance policy?

    You can visit the official website of the insurer and contact the experts at Navi General insurance Company through their customer care contacts. The experts will guide you in your process of buying the policy. You can also visit the branch office to buy the policy offline. Alternatively, you can get in touch with bike insurance experts at You can email them at or call them at 1800-208-8787. 

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 29 Reviews)

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Navi Third-Party Bike Insurance Reviews & Ratings

4.8 / 5 (Based on 29 Reviews)
(Showing Newest 10 reviews)
Ranchi, October 09, 2021
Less paperwork
There was no paperwork while buying Navi Two Wheeler Insurance online from the website of Policybazaar. The company showed me a lot of features in add on cover and I chose only 2 covers which is Road Side Assistance Cover and Hospital Cash Cover.
Nashik, August 18, 2021
Affordable plans
Somebody suggested me to buy two wheeler insurance for my new bike then i found an affordable plan on the policy bazaar website.i bought the Navi two wheeler insurance policy. as compared to others policy bazaar service is very good and hassle free.
, June 15, 2021
Protection for my two wheeler
I have protected my bike by getting a navi two wheeler insurance policy from the website of the policybazaar. I really like the plan and it has been a blessing for my bike.
, June 15, 2021
Cost effective plans
One of the best thing I like about policybazaar is that they provide such two wheeler companies list who has cost effective two wheeler plans. I got the plan of navi two wheeler insurance policy and that is relevant for my bike.
Hamirpur, June 04, 2021
Compare and buy it
I always prefer to compare and buy the two wheeler insurance policy. So, I visited to the website of the policybazaar and found the dhfl two wheeler insurance plan. The plan has so many features and it is available in affordable premiums.
Vadakara, July 02, 2020
Easy policy
The policy taken by policybazaar is quite genuine. And I really like the services provided by them.
G.k. Bhatar, June 30, 2020
Cover for all
The policy is available for everyone. You can just visit the website and check the best one for you.
Adaspur, June 29, 2020
The assistance of claim given by the policybazaar is quite quick and hassle free.
Allahabad, June 29, 2020
So, I got my two wheeler insured from policybazaar and because of that I got the membership of automobile association of India.
Vadnagar, June 20, 2020
I got a good number of benefits while I associated with policybazaar. With less premium amount I got good discounts in the prices.