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 motor cycle and/or its riders due to an unforeseen and unforeseen event like an accident, theft or natural disaster. It provides protection against liabilities arising from injuries to one or more individuals due to the accident. Bike Insurance is the ideal solution to meet exceptional costs that may arise due to the damages caused to the motor cycle. The bike insurance cover provides protection to all types of two wheelers: motor-cycle, moped 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 motorbike 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 purchasing bike insurance.
This insurance policy provides financial cover to motorbike against physical damage, theft, and third-party accountability. It includes insurance for the motorbike. With poor road conditions in India and no driving ethics, two-wheeler insurance is your only savior on the roads.
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. Purchasing a two-wheeler insurance policy online is a hassle-free and quick process. Some of the key benefits of buying this policy online are:
Let us discuss each in detail:
One can choose between the coverage they want. The liability-only policy is required under Indian law and each vehicle needs to have at least that policy to guard against accountabilities, and personal insurance. This bike insurance also provides insurance against wear and tears 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 or renewing a policy 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.
These include personal accident cover for pillion riders, enhanced cover for spare parts and accessories, Zero Dep cover and so on. The additional coverage is 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 and filing a claim is mandatory.
The insurance companies offer easy transfer of the NCB discount if the person buys a new vehicle. The NCB is given to the driver/owner and not to the vehicle. The easy transfer option means that the person is rewarded for safe driving practices and for not making a claim in the earlier year(s).
IRDA approved insurers provide discounts for certain factors such as membership of a recognized automotive association, discount for vehicles that have approved anti-theft devices, etc. Owners with an unblemished record also receive concessions in NCB (no claim bonus).
The insurance companies offer online purchase or renewal through their websites and sometimes even through mobile apps. This makes it easy for the policy owner to get their needs fulfilled. Since all prior claim or additional details are already in the database, the renewal process is quick and highly convenient for the customer.
PolicyBazaar provides you with 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, such as IDV and more, the PolicyBazaar calculator tool gets the best insurance options for you. Thereafter, you can compare the various bike insurance and instantly pay via online banking, debit or credit card for the one that suits you best. We cover all types of vehicles like a motorcycle or motorbike. Whether you want motorcycle insurance or scooty insurance, check out our range of policies on offer.
The premium amount is calculated based on:
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 this 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 and motorcycle insurance. In fact, any type of machine that runs on two wheels comes under the ambit of two-wheeler insurance.
Two-wheeler insurance provides coverage for:
This policy provides coverage for any accountability arising out of the loss or damage to your own vehicle.
It provides financial cover for the insured vehicle if it causes injury, death or injuries a person. It also features cost of any legal accountability.
Get this insurance at unbelievable competitive rates and without any hassles. A complete win-win situation!
The most common classification of vehicle insurance, including the two-wheeler type is according to the type of cover provided to the insured. Policies in this sense are generally of two types: comprehensive policy and liability only insurance policy. The Indian Motor Vehicles Act makes it mandatory for all automobiles 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 this insurance at the very least. However, with the advantages this insurance offers, they have become a clear favorite among the Indian public.
The comprehensive two wheeler insurance, as the name suggest, provide total cover for the two-wheeler and the insured. It provides four-way insurance:
These wear and tears may be due to man-made reasons or due to natural causes. Whatever the reason, these help the insured to meet the wears and tears suffered by the two-wheeler and gets it back running into its original condition in no time at all. Most insurance companies offer additional add-on or optional features that help to further insure them any losses. Optional features like zero depreciation even helps to save against costs from consumables, if the option is chosen.
Offer a personal accident cover up to Rs. 1 lakh to insure against any 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-passenger. Companies also include this cover in their liability only policies.
Guard against any cause of action arising due to this liability. These legal responsibilities may arise due to:
Protect against any wears and tears that may accrue due to injuries to or even death. These injuries may result in hospitalization and may be ones that cause temporary or permanent damage or partial or total loss of limbs or their functioning.
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 legal responsibilities due to injuries suffered by anyone in the surroundings or losses suffered by them solely due to the unfortunate event. As the name suggests, these types of plans do not safeguard against wears and tears suffered by the vehicle.
Most insurance companies in India may also provide a personal accident cover for the owner of the motorcycle, moped or scooty. Some IRDA approved insurers also offer multi-year accountability only plans that can cover the vehicle for 2 to 3 years.
Indian laws mandate that any vehicle plying on all public roads in the country should have third-party insurance. Even though the laws do not prescribe comprehensive cover, the nature of costs that arise from a mishap or other man-made or natural events necessitate that owners opt for some sort of comprehensive insurance that protects against wear and tears to the vehicle and the riders in addition to securing against wears and tears. The motor insurance laws in India protect the millions of owners in India from any large costs that may arise due to wears and tears to their motorcycle, scooty, or moped.
Anybody travelling on Indian roads would have seen the unceasing growth in the number of automobiles 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 vehicle 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 legal responsibilities. All these costs and legal responsibilities can be easily countered by a policy.
This policy helps in a number of ways: They protect against wears and tears to the scooter, motorbike, or moped. 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 vehicles possible has meant that Indian two-wheeled automobiles are now much more advanced in terms of engine specs, rider comfort, overall ride quality and looks.
These advances also mean the cost of automobiles 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 the 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 valid policy. These plans will help the insured to get the scooter, motorbike, moped 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 events, such as burglary, theft, riot, and the strike by outside 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 near comprehensive list of natural causes against which they offer protection to the insured. These include fire, explosion, lightning, earth-quake, flood, hurricane, cyclone, typhoon, storm, tempest, inundation, hailstorm, and landslide and rockslides, among others.
Two-wheeler insurance guards against any injuries to the rider and the co-passenger (if it is also there) from accidents. Most of these accidents result in medical costs of some kind or the other. The adverse effects of such costs can be mitigated with the help cover for personal accident.
They amount of payout depends on the type of damages suffered. In the unforeseen event of demise of the rider due to a mishap, the full amount of the cover is given to the nominees or family members. The amount is lesser in case of simple injuries from which the person can recover easily, with or without hospitalization (as mentioned in the document wording or documented wordings).
Policy wordings mention that the person is given compensation for injuries or death resulting from an accident to the vehicle due to violent, accidental, external and visible means. These accidents may occur when the person is travelling on the vehicle or is mounting from his motorbike, scooter or any other mechanized motorcycle. Check policy wording for more details.
The policies guard against injuries caused to third parties due to an accident or incident that was caused by the insured motorcycle or scooter. There are instances when the vehicle may be at the center of an accident that causes injuries. These accidents may occur even when the driver was exercising extreme caution and riding the motorcycle as it is supposed to be ridden.
These events are unforeseen but may result in injuries to any party. The scooter insurance plans help to protect the insured party against any costs that they may have to incur due to accidental wears and tears. It ensures that the insured person does not suffer in any way because of an unforeseen event.
Often an accident may result in damages to the property in surroundings. This raises legal responsibilities as the damages will have to be reimbursed by the insured person. Insurance comes to the rescue in such cases as the policy ensures that the insured does not suffer due to the loss suffered by the third party. The plans provide clear definite terms and limitations up to which the insurer will reimburse the affected person.
Nearly all of these wears and tears 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 that the insured 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.
Motorcycles 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 motorcycles to commute from one place to another, for work or otherwise. For them, their motorbike, scooter, or moped is a means of their daily sustenance.
Even a small damage to their precious vehicle will mean rearranging the monthly household budget, and foregoing small pleasures to save on the costs incurred for repairing the motorbike. This 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 expenditure. The insurance company will take care of these expenses for them, and they can ride easy, without any cause for worry.
It has a detailed list of inclusions and exclusions – whether natural or man-made. These are generally detailed in the annexure of the policy documents.
Inclusions in Two Wheeler Insurance Policy
The natural events that are included within the features include fires, self-ignitions, earthquakes, floods, inundations, lightning, hurricanes, storms, cyclones, hailstorms, tempests, typhoons, frost, and rockslide.
These plans offer a range of man-made causes such as accident by external means, burglaries, thefts, riots or strikes, any in-transit damage when the vehicle 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 co-passengers.
This covers against any legal loss of money that may occur due to injuries to anyone in surroundings, which may have even led to the death. It also protects against any damage to a third party.
Exclusions in Two Wheeler Insurance Policy
Damage caused by normal wear and tear of the vehicle
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 due to the vehicle being used for purposes for which it is not meant for use
Loss or damage to the vehicle when driven by a person without a valid driving 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 accountabilities due to injuries to the person or their property or collateral, it also provides an accident cover and insurance against wears and tears 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.
Web sites like PolicyBazaar are a good place to compare insurance online. You can use the two wheeler insurance premium calculator to find the premium you need to pay for each valid policy offered by the different insurance companies. There are quite a few things to check apart from the premium:
Insurance covers for motor cycle are generally of two types: liability only policy and comprehensive cover. Though Indian laws mandate that any vehicle plying in public areas have at least accountability only policies, it makes sense to have comprehensive cover as they provide bike insurance against any wears and tears 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 this policy.
Some companies provide a range of both options while some focus on only a specific type of plans. A few insurers also offer specific plans for motorcycles or for commercial two wheelers. These specific plans are designed especially to help cover specific risks that may relate to the type of motor cycle or type of usage.
All insurance companies offer add-on features that help extend the motor cycle insurance policy go beyond the basic policy. These may relate to additional insurance features for wears and tears to the vehicle, additional or new features for costlier accessories or parts, accident features for co-passengers, features to extend the accountability 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 that the insured does not pay an additional premium for the depreciation charges of any part.
They only pay the premium for the service charges and taxes in terms of cashless claim settlement. The rest of the costs are met by the insurance company at cashless garages for settlement with the workshops or garages where the motor cycle was repaired if the insurer offers cashless reimbursement. In addition, Zero Dep for consumables ensures that the owner does not have to pay the premium for even the ones that are put back to get the 2 wheeler back into running condition.
Most of the insurance companies have become quite customer 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 NCB (No Claim Bonus) in case you are buying a new motor cycle, and concessions for members of recognized vehicle associations or for inclusion of theft-proof 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, fill out the claim form and file a claim from the website, and renew the policy online. It may seem a small point to consider, but a simple benefit like an around the clock call center 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 insured faces no problems while filing a claim. They will help the insured to take the motor cycle to the nearest authorized service center. The claim process involves a few broad steps, such as calling the insurance company for registration of the claim, filing a FIR with the police station in case of injuries or damage to property or an accident, taking the motor cycle to the garage and submitting the necessary documents.
In most instances, the insurance company bears all the expenses and the owner has to bear only the expenditure that is 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. While comparing, 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 online.
The customer may also fill out the claim form for motor claims directly and submit it to the provider by visiting a nearby branch, thereby attaching documents required, such as a driving license copy, original bills (if required), and get their bike repaired at the garage network. The company accepts claims concerning own damage, theft claims, which the person can confirm along with the insured declared value (IDV). Two wheeler insurance also includes accident insurance
The process to renew 2 this insurance should be easy and near instantaneous. Most websites facilitate 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 electronically signed plans are much better, as you can simply (renew when required) and print it from the site and keep your RC and other necessary documents that need to be carried when you are riding your two-wheeler.
While comparing, it makes sense to opt for companies that offer concessions for certain factors, such as no claim bonus (NCB), membership of a recognized automotive association, the inclusion of anti-theft devices in the vehicle, and so on. Also, some companies may offer an additional discount for reasons such as online renewal, buying the policy using a certain app or credit card, including for each claim-free year.
Knowing what concessions can significantly lower the total premium payable for the online two wheeler insurance policy. Most of the companies also offer significant concessions on additional covers. Ensure you check the website of the insurance companies you are shortlisting to understand how much discount you can have.
Renewing this insurance online is quite easy and can be easily done. Nowadays, some companies are also tying up with mobile payment vendors and offering an easier way to make the payments and renew the plans. 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 plans using those dedicated apps. The insurance companies also offer old and trusted methods of renewal 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 premium payment details. Make good use of it and ensure all details are correct. Insurance companies generally generate a digital policy in the PDF format that does not require any person’s signature on confirmation of the premium 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 plans 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 two 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 premium payment.
Renewing your insurance policy at the branch office is an old fashion 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 vehicle details and fill the same in the application form.
The branch generally hands over the new policy immediately if you pay the premium 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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