What documents should I submit to get age and occupational discounts?
To avail age and occupation discounts, you would need to submit Pan Card and employment or education certificate respectively.
Two wheeler insurance refers to an insurance policy taken to cover against any damages that may occur to a two wheeler and/or its riders due to an unforeseen and unfortunate event like an accident, theft or natural disaster.
The Two Wheeler Insurance cover provides protection against liabilities arising from damages to a third party due to the accident. Two wheeler insurance or bike Insurance is the ideal solution to meet exceptional costs that may arise due to the damages caused to the two wheeler. The bike insurance cover provides protection to all types of two wheelers: scooter, motorcycle, moped and scooty and covers all uses: personal, commercial or mixed.
Two Wheeler Insurance Plans starting at Rs. 2 per day. Compare and buy two-wheeler insurance plans at PolicyBazaar. You can now renew your expired two-wheeler insurance online.
You love your bike like your own baby. You clean it and polish it every Sunday. You go zooming in it all around the city. Yes, your two-wheeler is an important part of your life. It is your necessity and pride too. Keep your two-wheeler safe and secure. Get your pride possession insured and stay at peace by buying bike insurance.
A two- wheeler insurance policy provides financial cover to bike or scooter against physical damage, theft and third party liability. It includes insurance for motorbike, scooty or a scooter. With poor road conditions in India and no driving ethics two-wheeler insurance is your only savior on the roads.
The Two wheeler insurance market has changed dramatically since the emergence of new players in the market. The bike insurance companies nowadays have come up with a range of features to woo customers and ensure they continue with them year after year. Buying a two-wheeler insurance policy online is a hassle-free and instant process. Some of the key benefits of buying a 2 wheeler insurance policy online are:
Let us discuss each in detail:
The owner of the vehicle can choose between the covers they want. The liability only policy is required under Indian law and each vehicle (2 wheeler or otherwise) needs to have at least that policy to guard against liabilities from third parties, and personal insurance. The comprehensive bike insurance cover also provides insurance against damages to the two wheeler, and also provides personal accident cover for the co-riders (generally as an add-on cover).
In the earlier days, customers buying a 2 wheeler policy or renewing one would get a cover note and not the policy itself. The main bike insurance policy document was mailed to them at their address at a later date. With the emergence of new technology and faster banking facilities, a digitally signed policy is nowadays issued immediately to the policyholder.
Most of the two wheeler insurance policies offer optional or add on covers. These include personal accident cover for pillion riders, enhanced cover for spare parts and accessories, Zero Dep cover and so on. These additional covers are generally offered at a slightly extra cost but go a long way to ease the claim bike insurance process in case of happening of an unforeseen or unfortunate event.
The insurance companies offer easy transfer of the NCB discount if the person buys a new 2 wheeler. The NCB is given to the driver/owner and not to the vehicle. The easy transfer option means that the owner is rewarded for safe driving practices and for not making a claim in the earlier year(s).
The insurers also provide discounts for certain factors such as membership of a recognised automotive association, discount for 2 wheelers that have approved anti-theft devices, etc. Owners with an unblemished record also receive NCB discounts.
The insurance companies offer online purchase or renewal through their websites and sometimes even through mobile apps. This makes it easy for the policyholder to get their policies. Since all prior claim or additional details are already in the database, the renewal process is quick and highly convenient for the customer.
PolicyBazaar works as a calculator to assist you with assessing your requirements and providing appropriate options. On our website when you fill in basic details about your two-wheeler, the PolicyBazaar calculator tool gets the best two wheeler insurance options for you. Thereafter, you can compare the various bike insurance policies and instantly buy the one that suits you best. We cover all types of two-wheelers like motorcycle, motorbike, scooter and scooty. Whether you want motorcycle insurance or scooter insurance, check out our range of policies on offer. Buy 2 wheeler insurance wisely and save money!
If it slipped your mind and you forgot to renew your two-wheeler policy thus letting it expire then you need not fret. You can renew expired policies online at PolicyBazaar completely hassle free and within minutes.
The benefits that you get on renewing an expired two-wheeler insurance policy through PolicyBazaar are:
Online renewal of expired two wheeler insurance policy is quick and easy.
PolicyBazaar gives you an option to renew the in-force status of a motorbike policy, the term of which will expire. When you buy online you can:
Renew your bike insurance timely and save unnecessary hassle and costs. You can even get scooter insurance, scooty insurance and motorcycle insurance. Infact any type of machine that runs on two wheels comes under the ambit of two-wheeler insurance.
Two-wheeler insurance policies provide coverage for:
It is a comprehensive insurance policy that provides covers for the liability arising out of the third party as well as the loss or damage to your own two-wheeler.
It provides financial cover for the insured vehicle if it causes injury, death or property damage to a third party. It also covers cost of any legal liability.
Get two-wheeler insurance at unbelievable competitive rates and without any hassles. A complete win-win situation!
The most common classification of vehicle insurance including two wheeler insurance is according to the type of cover provided to the insured. Policies in this sense are generally of two types: comprehensive policies and liability only insurance. The Indian Motor Vehicles Act makes it mandatory for all vehicles that ply on public areas to have third party insurance.
This means that any mechanized vehicle that is running on Indian roads such as cars, buses, trucks, motorcycles, scooters, mopeds, etc. need to have third party insurance at the very least. However, with the advantages that comprehensive insurance offers, they have become a clear favorite among the Indian public.
The comprehensive two wheeler insurance policies, as the name suggest, provide total cover for the two wheeler and the owner. The cover provides a four way insurance for the insured party:
These damages may be due to man-made reasons or due to natural causes. Whatever the reason, the policies help the insured owner to meet the damages suffered by the two wheeler and get it back running into its original condition in no time at all. Most insurance companies offer additional add-on or optional covers that help to further insure them any losses. Optional covers like zero depreciation even help to protect against costs from consumables, if the option is chosen.
All comprehensive policies offer a personal accident cover up to Rs. 1 lakh to insure against any bodily injuries that result in partial or total temporary or permanent disability or even death. The Indian insurance companies offer the optional benefit to add co-passengers to this cover. Most insurers also include this cover in their liability only policies.
The two wheeler comprehensive policies guard against any cause of action arising due to third party liabilities. These third party liabilities may arise due to:
The insurance policies protect against any damages that may accrue due to bodily injuries to or even death of the third party. These injuries may result in hospitalisation and may be ones that cause temporary or permanent damage or partial or total loss of limbs or their functioning.
The policy protects against losses arising from damages to third party collateral. The insurance companies cover this loss only up to a specific limit as defined under the policy document.
The two wheeler liability only covers insure against liabilities arising due to injuries suffered by the third parties or losses suffered by them solely due to the unforeseen or unfortunate event. As the name suggests, these types of policies do not protect against damages suffered by the two wheeler.
Most insurance companies in India may also provide a personal accident cover for the owner of the scooter, motorcycle, moped or scooty. Some insurers also offer multi-year liability only policies that can cover the two wheeler for 2 to 3 years.
Indian laws mandate that any vehicle plying on all public roads in the country should have third party liability insurance. Even though the laws do not prescribe comprehensive cover, the nature of costs that arise from an accident or other man-made or natural events necessitate that owners opt for some sort of comprehensive insurance that protects against damages to the vehicle and the riders in addition to securing against damages from third party actions. The motor insurance laws protect the millions of two wheeler owners in India from any large costs that may arise due to damages to their bike, scooter, moped or scooty.
Anybody travelling on Indian roads would have seen the unceasing growth in the number of two wheelers in the country. The lack of good roads, the morning and evening rush hours, and unregulated traffic problems are a part and parcel of life today. In addition, events such as rainfall or snow, or heat waves may cause problems on the road such as slippery surfaces, mushy or muddy areas, or sticky tar that may cause damages to the two- wheeler and even injure the riders.
Other man-made events or natural disasters add their own range of problems that may damage the vehicle or result in various types of costs and other liabilities. All these costs and liabilities can be easily countered by a two wheeler policy.
A two wheeler insurance policy helps in a number of ways: They protect against damages to the scooter, motorcycle, moped or scooty. The machines that run on the road today are a far cry from the ones that used to ply on the roads a few years ago. Advances in technology, environmental laws and restrictions and the demand for the best two wheelers possible has meant that Indian two wheeled vehicles are now much more advanced in terms of engine specs, rider comfort, overall ride quality and looks.
These advances also mean the cost of the vehicles has gone up along with the cost of their spare parts. Even the simple nuts and bolts or parts such as the gears or the brake pads are now costlier than before. Even a small damage can result in a bill of thousands of rupees in terms of repair costs.
As most of two wheeler riders are middle class consumers, a small damage can cause a huge dent in their savings and can even skew an entire year’s financial planning. All this can be avoided with a two wheeler insurance policy. These plans will help the owner to get the scooter, motorcycle, moped or scooty repaired without creating a hole in their wallets. A two wheeler insurance policy in India guards against both man-made events as well as natural disasters.
Insurance companies offer a range of man-made reasons against which they offer protection to the insured party. These include unforeseen or unfortunate events such as burglary, theft, riot, strike, accident by external means, malicious act, terrorist activity, and any damage in transit by road, rail, inland waterway, lift, elevator or air, among others.
A two wheeler insurance policy offers a near comprehensive list of natural causes against which they offer protection to the insured party. These include fire, explosion, self-ignition, lightning, earthquake, flood, hurricane, cyclone, typhoon, storm, tempest, inundation, hailstorm, frost, and landslide and rockslides, among others.
Two wheeler insurance guards against any damages to the driver of the two wheeler and the pillion rider (if co-passenger cover is also opted for) from accidents. Most of the two wheeler accidents result in medical costs of some kind or the other. Such adverse effects of such costs can be mitigated with the help of the personal accident cover the two wheeler insurance policies provide.
They amount of payout depends on the type of damages suffered. In the unfortunate event of demise of the rider due to an accident, the full amount of the cover is given to the nominees or family members. The amount is lesser in case of simple bodily injuries from which the person can recover easily, with or without hospitalisation.
Policy wordings mention that the person is given compensation for injuries or death resulting from an accident to the two wheeler due to violent, accidental, external and visible means. These accidents may occur when the person is travelling on the vehicle or is mounting or dismounting from his motorcycle, scooter or any other mechanised two wheeler.
The policies guard against injuries caused to third parties due to an accident or incident that was caused by the insured two wheeler. There are instances when the two wheeler may be at the centre of an accident that causes injuries to a third party. These accidents may occur even when the driver was exercising extreme caution and riding the two wheeler as it is supposed to be ridden.
These events are unfortunate but may result in bodily injuries to any third party. The two wheeler insurance policies help to protect the insured party against any costs that they may have to incur due to the damages caused to the third party. It ensures that the insured person does not suffer in any way because of an unforeseen or unfortunate event.
Often an accident may result in damages to third party property. This raises liabilities as the damages will have to be reimbursed by the insured person. Two wheeler comes to the rescue in such cases as the policy ensures that the insured party does not suffer due to the loss suffered by the third party. The policies provide clear definite terms and limitations up to which the insurer will reimburse the affected third party.
Nearly all of these damages are settled through legal proceedings that ensure all actions are taken in strict accordance with the law of the country, and all causes and reimbursements are addressed in the manner prescribed under the statutes. The strict terms and conditions ensure the insured party does not suffer any loss due to events beyond their control, and the third party also receives the necessary compensation due to them as a result of the loss suffered by them due to the event.
Two wheelers are generally purchased by young men and women and by the middle class people in India. Whether it is Jammu and Kashmir or Andaman and Nicobar Islands, millions of these middle class Indians use their two wheelers to commute from one place to another, for work or otherwise. For them, their motorcycle, scooter, scooty or moped is a means of their daily sustenance.
Even a small damage to their precious two wheelers will mean rearranging the monthly household budget, and foregoing small pleasures to save on the costs incurred for repairing the two wheeler. A two wheeler insurance policy works wonders for these people. It gives them a peace of mind as they don’t have to worry about how to pay for the expenses. The insurance company will take care of these expenses for them, and they can ride easy, without any cause for worry.
The 2 wheeler insurance policies have a detailed list of inclusions and exclusions – whether natural or man-made. These are generally detailed in the annexure of the policy document.
The natural events that are included within the coverage include fires, explosions, self-ignitions, earthquakes, floods, inundations, lightning, hurricanes, storms, cyclones, hailstorms, tempests, typhoons, frost, and landslide and rockslide.
The policies cover a range of man-made causes such as accident by external means, burglaries, thefts, riots or strikes, malicious acts, terrorist activities, any in-transit damage when the 2 wheeler is being transported from one place to another by roads, railways, inland waterways, lifts (elevators) or by air.
A personal accident cover of up to Rs. 1 lakh is available for injuries to the driver/owner that may result in temporary or permanent disabilities or loss of limb that causes partial or total disability. The cover applies when the person is travelling, mounting or dismounting from the two wheeler. Insurance companies also offer optional personal accident insurance for the pillion rider or co-passengers.
This covers against any legal loss of money that may occur due to bodily injuries to the third party that may have even led to death. It also protects against any damage to third party property.
Damage caused by normal wear and tear of the two wheeler
Loss from mechanical or electrical breakdowns
Depreciation or any consequential loss from regular use
Any damage to tyres and tubes in the normal course of running
Any loss arising due to the 2 wheeler being used for purposes for which it is not meant for use
Loss arising from damage when the two wheeler was driven by a person without a valid diving license
Losses occurring because the driver was driving under the influence of alcohol or drugs
Any damage caused due to war or mutiny or from nuclear risk
Two wheeler insurance can be a lifesaver in times of need. In addition to protecting against liabilities arising from bodily injuries to the person of third party or their property or collateral, it also provides a personal accident cover and insurance against damages to the two wheeler. There are many ways to buy the insurance – as an individual, you can buy the insurance online or from the offices of the agent or insurance company.
Websites such as PolicyBazaar are a good place to compare 2 wheeler insurance policies online. You can use the two wheeler insurance premium calculator to find the premium you need to pay for each policy offered by the different insurance companies. There are quite a few things to check:
Insurance covers for two wheeler policies are generally of two types: liability only policy and comprehensive cover. Though Indian laws mandate that vehicles plying in public areas have at least liability only policies, it makes sense to have comprehensive cover as they provide bike insurance against any damages that may occur to the vehicle whether from man-made or natural reasons. Decide on what type of cover you need. Even though, we suggest going for comprehensive insurance, you may prefer to have a liability only policy.
The cover you choose will help you compare the policies better. Some companies provide a range of both liability only and comprehensive coverage options while some focus on only a specific type of policies. A few insurers also offer specific policies for motorcycles or scooters or for commercial two wheelers. These specific policies such as a bike insurance policy or a scooter insurance policy are designed especially to help cover specific risks that may relate to the type of two wheeler or type of usage.
All insurance companies offer add on or optional covers that help extend the 2 wheeler insurance policy cover beyond the basic policy. These may relate to additional insurance cover for damages to the vehicle, additional or new cover for costlier accessories or parts, personal accident cover for co-passengers, coverage to extend the third party liability for personal injury or property damage and so on. Some covers such as Zero Dep or Nil Depreciation are especially beneficial to have as they ensure the owner does not pay for the depreciation charges of any part.
They only pay for the service charges and taxes. All the rest of the costs are met by the insurance company and settled with the workshop or garage where the two wheeler was repaired if the insurer offer cashless reimbursement. In addition, Zero Dep for consumables ensures that the owner does not have to pay for even the consumables that are put back to get the 2 wheeler back into running condition. Understand what type of optional covers you need and
Most of the insurance companies have become quite consumer savvy and offer various features and benefits to help the consumer in their claim process and even otherwise. For instance, they will have a 24/7 call centre that operates around the clock, experts who can guide you to select the right policy and make a renewal claim, easy transfer of no claim bonus in case you are buying a new 2 wheeler, and discounts for members of recognised vehicle associations or for inclusion of anti theft devices.
Some companies also go the extra mile and ensure you do not have to follow up with the repair workshop as they chase the garage on your behalf to get the repairs done. You also get an online dashboard from where you can check the status of your policy, file a claim from the website and even renew the policy online. It may seem a small point to consider, but a simple benefit like an around the clock call centre will ensure that you get immediate help at whatever time you call. Such a facility is extremely useful if you regularly travel at night. In fact, with the long working hours of today, opting for a policy from a company or agent that offer 24/7 support makes perfect sense.
The consumer-conscious insurance companies have simple claim processes that ensure the owner faces no problems while filing a claim. They will help the owner to take the 2 wheeler to the nearest authorised service centre. The claim process involves a few broad steps such as calling the insurance company to register the claim, filing an FIR with the police station in case of injuries or property damage or an accident, taking the 2 wheeler to the garage and submitting the necessary documents.
In most instances of comprehensive cover, the insurance company bears all the expenses and the owner has to bear only the expenses that are not covered under the policy and the service charges and tax. The claim process can be quite tedious if you have to take care of all the steps yourself. When you compare the policies, ensure that the insurer helps you to file a claim. In most, cases, the insurance company’s website should contain the information. Otherwise, you can always refer to PolicyBazaar to get the necessary information.
The renewal process for 2 wheeler insurance should be easy and near instantaneous. Most websites offer online renewal or you can use our website to renew your policy if it was originally purchased from us. Buying online two wheeler insurance is an easy option for everyone. Also, the companies that offer instant digitally signed policies are much better as you can simply print it from the site and keep among your RC and other necessary documents that need to be carried when you are riding your two wheeler.
While comparing policies, it makes sense to opt for companies that offer discounts for certain factors such as no claim bonus (NCB), membership of a recognized automotive association, inclusion of anti-theft devices in the two wheeler, and so on. Also, some companies may offer additional discount for reasons such as online renewal, buying the policy using a certain app or credit card, etc.
Knowing what are the discounts can significantly lower the total premium payable for the online two wheeler insurance policy. Most of the insurers also offer significant discounts on additional covers. Ensure you check the website of the insurance companies you are shortlisting to understand how much discount you can have.
Renewing two wheeler insurance online is quite easy and can be easily done. Nowadays, some insurers are also tying up with mobile payment vendors and offering an easier way to make the payments and renew the policies. In addition, some of the more technologically advanced players have launched their own apps for their customers. People can easily download these apps on their smartphones and check and renew their policies using those dedicated apps. The insurance companies also offer the old and trusted method of renewing the policies at their offices.
You can go to the insurance company’s website and follow the steps laid down for two wheeler insurance online renewal. Makes sure all the data is correct and all contact and other personal details are up to date. Keep the old policy with you while you renew so you can refer to it for any details such as old policy number and so on.
Also, keep your debit cards or internet banking details handy so you can furnish the information when required. Most companies offer an information confirmation screen for their customers after they have entered the data and before they have furnished the payment details. Make good use of it and ensure all details are correct. The two wheeler insurance companies generally generate a digital policy in the PDF format that does not require any person’s signature on confirmation of payment. Save this PDF file in a secure location as you may need it later. Take a print out and keep it with your two wheeler documents that you keep with you when you ride.
The process of renewing the policies using the dedicated mobile apps of the insurance companies or those of the mobile payment vendors is similar to the process of doing it online through the websites. Most of the apps will ask you to type in the information you need to fill in like the registration number, manufacturer’s name, model number and year, etc. of the 2 wheeler, and details of the policy like policy number, insurer’s name (if you are using a mobile payment vendor’s app), and so on.
Once you have keyed in the details, ensure you check this information thoroughly. This step of cross-checking the information becomes more important if you are using the mobile phone as the small screen size and the user interface may result in you missing out or wrongly filling in the information. Once the details are in place, agree with the terms and conditions and process the payment.
Getting your bike insurance policy renewed at the branch office in the old fashioned way. The process is actually very simple though you have to find the time to go to the branch. You need to know your policy and two wheeler details and fill the same in the application form.
The branch generally hands over the new policy immediately if you pay by cash, demand draft or debit card. Cheque payments need time to clear and you get your policy later my mail at your address. A special thing to note here, the addition of new optional riders or add-on covers may require a visit to the branch. This varies from one insurance company to another and it will be good if you get this detail clarified before you include a newer optional cover.
|Insurer||Third Party Cover||Add On Covers||Special Features||Limitations|
|Bajaj Allianz Two Wheeler Insurance||Upto 1 L for third party property damage||No Add ons available for Two Wheelers||
|Bharti AXA Two Wheeler Insurance||Upto 1 L for third party property damage||No Add ons available for Two Wheelers||
|HDFC Ergo Two Wheeler Insurance||Upto 1 L for third party property damage||Zero Depreciation (ZD)||
|IFFCO Tokio Two Wheeler Insurance||Upto 1 L for third party property damage||No Add ons available for Two Wheelers||
|New India Assurance Two Wheeler Insurance||Upto 1 L for third party property damage||Zero Depreciation (ZD)|
|Reliance Two Wheeler Insurance||Upto 1 L for third party property damage||No Add ons available for Two Wheelers||
|Universal Sompo Two Wheeler Insurance||Upto 1 L for third party property damage||Zero Depreciation (ZD)|
What documents should I submit to get age and occupational discounts?
To avail age and occupation discounts, you would need to submit Pan Card and employment or education certificate respectively.
Can I replace a new vehicle in my current insurance policy?
Yes you can replace your new vehicle in your current insurance. Call the insurance company to make changes effective.
Can I cancel the policy during the tenure of the insurance?
Yes, you can cancel the policy during its term, provided you submit documents to prove that your vehicle has been insured elsewhere or the registration certificate of your vehicle has been cancelled by the Regional Transport Office (RTO). Once the policy is cancelled, insurer will refund the remaining amount, after deducting premium for a period in which coverage has been given. The refund is possible only if there has been no claim during the policy tenure.
Why should I buy comprehensive insurance policy when law mandates only 3rd party, injury, death or property loss?
Although, as per law it is compulsory only to buy 3rd party insurance but it is strongly advised to purchase a comprehensive policy to protect your two-wheeler from both man-made and natural calamities. By buying comprehensive cover, you can claim from your insurance company for accidents or damages caused to the vehicle. Without comprehensive cover, the entire responsibility to pay the bill comes on your shoulder.
Thus, by opting for comprehensive insurance policy, you can get complete peace of mind that whatever happens to your two-wheeler, insurer will share your financial burden.
What information do I need to submit to buy two-wheeler insurance online?
To buy a two-wheeler policy online, no documentation is required. He only needs to give the previous policy details and RC information at the time of buying the insurance policy which are checked at the time of policy renewal.
Can I get NCB on the expired insurance policy?
You can get NCB on the expired policy only if you will renew it within 90 days of the policy expiration.
Can I buy and renew two wheeler insurance policy online?
Yes, you can buy and renew motor insurance policy online by using your credit/debit account or bank account details. We, at PolicyBazaar offer an easy and efficient mechanism to purchase and renew policies online on a click of a mouse. For insurance related queries, contact us at 1800-103-3999 (24*7 Toll Free).
What if my insurance policy is misplaced?
Contact your insurance company and they will issue duplicate copy of the policy. You may have to pay a nominal amount to get the duplicate copy.
In case of an online policy, soft copy of the policy is sent to the email address of the customer. Usually, policy documents are digitally signed and a colored print out of the same works as a valid hard copy.
What is a no claim bonus (NCB)?
The bonus received by the policyholder when he has not made any single claim in a policy tenure is called no claim bonus (NCB).
In which all cases, inspection of a vehicle is mandatory?
Inspection of a vehicle is mandatory only when you buy a policy offline. In online cases, inspection is not required.
What is the tenure of policy?
At present, most of the companies are offering two-wheeler insurance policies for 1 year. But IRDA has allowed insurance companies to launch two-wheeler insurance policies for a longer duration, say 3 or 5 years. Recently, New India Assurance has launched a long term two-wheeler insurance policy with a three-year term. These long term policies have become money saver techniques for policyholders. Insurers will not be allowed to revise premium rates during three-year policy term, even if insured makes a claim during the period.
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