Shriram Comprehensive Bike Insurance

Shriram General Insurance Company provides a comprehensive two-wheeler insurance policy that offers insurance cover for unforeseen events while driving on the road. Shriram comprehensive bike insurance policy offers third-party liability cover, own damage cover and personal cover. Moreover, you can avail of add-on covers like zero- depreciation or depreciation waiver cover to further enhance the policy.

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Shriram Comprehensive Bike Insurance vs. Third Party Bike Insurance

Basis of Comparison

Comprehensive Bike insurance

Third-Party Bike insurance


Third party own damage and compulsory personal accident cover

Covers loss or damage caused to a third party vehicle, property, or an individual

Add-on Covers

The Comprehensive bike insurance provides a variety of add-on covers that the policyholder can choose according to his preferences at the time of purchase.

The Third party bike insurance does not provide any add-on cover to the policyholder.


Compared to Third-party insurance, the Comprehensive policy is expensive because it offers a variety of coverage to the policyholder

The Third party policy is less expensive as it does not offer a variety of coverage to the policyholder.

What is covered under Shriram Comprehensive Bike Insurance Plan?

In Shriram comprehensive two wheeler insurance policy, the policyholder can avail of the following coverage benefits:

  • Coverage for Natural Calamities: It covers natural calamities like earthquakes, landslides, floods, etc.
  • Coverage for Man-made disaster:In case of damage to the bike due to man-made disaster, such as- riots, terror attack, fire, etc., the policy would provide compensation for the same
  • Protection against Third-party liabilities: If any damage or loss is caused to a third party from the insured bike, all financial and legal liabilities are covered in this policy. In addition, any damage that occurred to the third party's vehicle is also covered under Shriram comprehensive two wheeler policy.
  • Coverage for Theft: If the bike gets stolen, the policyholder will be provided full coverage.
  • Accident cover: Shriram Bike Insurance policy covers 2000+ Network Garages in different locations. In case of an accident, the policyholder can avail cash-less repairs.

What is not covered under Shriram General Comprehensive Bike Insurance Plan?

Shriram comprehensive two-wheeler insurance policyholders cannot avail coverage in the following situations:

  • Driving without a Valid Driving License.
  • Driving under the influence of alcohol/intoxicating drugs.
  • Minor damages or injury
  • Mechanical and electrical breakdown
  • In the event of war, mutiny, or nuclear risk.
  • The bike, driven by someone else at the time of an accident.

Shriram General Comprehensive Bike Insurance Benefits

There are plenty of benefits that Shriram General Comprehensive Bike Insurance policy offers:

  • 24X7 Emergency support is available
  • Quick, hassle-free, and convenient claim settlement process
  • The policyholder will get full coverage for damage or theft of the insured bike
  • Opting for add-on covers will increase the coverage of the policy
  • The facility of cashless repairs in network garages
  • Third party liabilities included in Comprehensive bike insurance provide financial and legal support to the policyholder in case of an accident


Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 21 Reviews)

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Shriram Comprehensive Bike Insurance Reviews & Ratings

4.8 / 5 (Based on 21 Reviews)
(Showing Newest 10 reviews)
Moradabad, October 09, 2021
Claim settlement
I was coming home from my office and due to imbalance, I met with an accident. My bike was completely damaged in the accident for which I had applied for the claim. My bike was repaired cashless at the network garage of Shriram General Insurance Company.
Gurgaon, October 09, 2021
Faster claim settlement
Thanks to Policybazaar for helping me get the claim settlement. I wanted to apply for the claim as my bike was damaged and I took the help of Policybazaar from where I had taken Shriram General Two Wheeler Plan. I got faster claim settlement because of Policybazaar.
Tiruppur, October 09, 2021
Midnight assistance
Policybazaar always pushes its limits to offer the best service to its customers. It was twelve at night when I contacted the customer care of Policybazaar for help. My bike was broke down and I needed tow facility. with the help of my Shriram general bike plan i got assistance at midnight.
Aligarh, October 09, 2021
Faster claim settlement
Last week I met with an accident and my bike got completely damaged due to an accident for which I claimed. With the help of Shriram General Bike Plan, my bike got cashless repair. I have got financial assistance in my time of need.
Bareilly, October 09, 2021
Trusted place
I am saying from my experience that Policybazaar is the most trusted place and gives the genuine advice without misleading the customer. I have recently renewed Shriram General Bike Policy which I am using since last four years. great experience with them.
Tiruchirappalli, October 09, 2021
Low cost
I liked Shriram Two Wheeler Insurance out of all the plans I have seen. i was randomly checking two wheeler plans on google and i came across the website of policybazaar. what i saw is Policybazaar is offering such good deals at low cost.
Mysore, October 09, 2021
No claim bonus
I am happy to get my bike insured by taking shriram general insurance policy from Policybazaar. I have recently got no claim bonus as I did not take any claim settlement during my policy term. thanks to Policybazaar for giving such amazing features.
Hubli Dharwad, October 09, 2021
Helpful staff
I had a great interaction with Policybazaar. The executive who was explaining the policy to me was so helpful and made everything clear and understandable by providing brief information about Shriram two wheeler insurance plan.
Solapur, October 09, 2021
Easy to compare
Policybazaar is always on the list when it comes to getting the best deal. I found it very easy to compare different plans on the same platform. I have bought Shriram Two Wheeler from here and when I was buying, it became convenient for me to choose the best plan as they have so many plans available.
Srinagar, August 18, 2021
hassle free procedure
i got many features under my Shriram two wheeler insurance policy which i took from policy bazaar. i got it at affordable rate and procedure was hassle free. it has a coverage against loss or damage to the insured vehicle under my plan.

^The renewal of insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for a transaction may vary subject to additional data requirements and operational processes.

^The buying of Insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for transaction may vary subject to additional data requirements and operational processes.

#Savings are based on the comparison between highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

*TP price for less than 75 CC two-wheelers. All savings are provided by insurers as per IRDAI-approved insurance plan. Standard T&C apply.

*Rs 538/- per annum is the price for third party motor insurance for two wheelers of not more than 75cc (non-commercial and non-electric)

#Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

*₹ 1.5 is the Comprehensive premium for a 2015 TVS XL Super 70cc, MH02(Mumbai) RTO with an IDV of ₹5,895 and NCB at 50%.

*Rs 457/- per annum (1.3/day) is the price for the third-party motor insurance for private electric two-wheelers of not more than 3KW (non-commercial). Premium is payable on an annual basis