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Two Wheeler Insurance

Two wheeler insurance refers to an insurance policy taken to cover against any damages that may occur to a motorcycle 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 motorcycle. The bike insurance cover provides protection to all types of two-wheelers: motor-cycle moped and covers all uses: personal, commercial or mixed.

There are generally two types of policies:

  • Comprehensive ones that cover against all types of wear and tears to the vehicle and its riders
  • Liability-only policies that cover only against injuries arising from third-party action

Two-wheeler Insurance Plans:

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.

  • Quick Policy Issuance
  • No Inspection, No Extra Charges
  • Lowest Premium Guarantee on Two-Wheeler Insurance
Two Wheeler Insurer Third Party Cover Network Garages Personal Accidental Cover Incurred Claim Ratio Policy Term No Claims Bonus
Bajaj Allianz Two Wheeler Insurance Available 4000+ Rs. 15 Lakh 62.20% 1 year Available
Bharti AXA Two Wheeler Insurance Available 1600+ Rs. 15 Lakh 81.74% 1 year Available
HDFC Ergo Two Wheeler Insurance Available 1600+ Rs. 15 Lakh 84.37% 1 year Available
IFFCO Tokio Two Wheeler Insurance Available 2000 Rs. 15 Lakh 79.19% 1 year Available
Reliance Two Wheeler Insurance Available 159 Rs. 15 Lakh 81.47% 1 year Available
Universal Sompo Two Wheeler Insurance Available 150+ Rs. 15 Lakh 80.66% 1 year Available
Royal Sundaram Two Wheeler Insurance Available 3300+ Rs. 15 Lakh 84.99% 1 year Available
New India Assurance Two Wheeler Insurance Available 150+ Rs. 15 Lakh 86.95% 1 year Available

Disclaimer: The ranking of the insurance companies in this content is not in any particular order. The list is not complied as per the IRDA ranking.

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 prized possession covered 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 saviour on the roads.

Bike Insurance Benefits

Key Benefits and Features of Two Wheeler Insurance

Two Wheeler Insurance Buying Guide

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 2 wheeler policies online are:

  • Comprehensive and Liability Only Coverage
  • Quick Policy
  • Optional Coverage
  • Easy Transfer of No Claim Bonus (NCB)
  • Discounts
  • Quick Registration for Online Purchase
  • Property damage and/or physical injury coverage in surroundings

Let us discuss each in detail:

Comprehensive and Liability Only Covers

One can choose between the coverage they want. The liability-only policy is required under Indian law and each motorbike needs to have at least that two-wheeler 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).

Instant Policy

In the earlier days, customers buying or renewing a two-wheeler 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.

Optional Covers

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 goes a long way to ease the claim bike insurance process in case of happening of an unforeseen or unfortunate event and filing a two-wheeler policy claim is mandatory.

Easy Transfer of No Claim Bonus (NCB)

The insurance companies offer an 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 two-wheeler policy 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).

Two-Wheeler Insurance Renewal or Purchase Online

The insurance companies offer online purchase or policy 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 two wheeler policy claim or additional details are already in the database, the bike insurance renewal process is quick and highly convenient for the customer.

Bike Insurance Calculator

How PolicyBazaar Works As Two Wheeler Insurance Calculator?

PolicyBazaar provides you with a calculator to assist you in 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 scooter insurance, check out our range of policies on offer.

The premium amount is calculated based on:

  • IDV of the vehicle
  • The Cubic capacity of the vehicle
  • Zone of registration
  • Age of vehicle

Bike Insurance Renewal Online

Benefits of Expired Two Wheeler Insurance Policy Renewal Online

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:

  • Get your bike insurance renewed without inspection and documentation.
  • Pay no extra charges.
  • Quick policy issuance.
  • No previous policy details to be provided for cases where the policy has expired for more than 90 days.

Online renewal of expired two this policy is quick and easy.

Benefits of Renewing Two Wheeler Insurance Policy Online

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:

  • Compare plans from leading providers
  • Save money through a comparison side-by-side and choose the one that fits your pocket best
  • Get assistance from our call centre

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.

Bike Insurance Policy Coverage

What is covered by a Two Wheeler Insurance Policy?

Two-wheeler insurance provides coverage for:

  • Loss or damage of vehicle against natural calamities like fire, self-ignition or lightning, earthquake, or flood.
  • Loss or damage of vehicle against man-made calamities like burglary, theft, strike, malicious acts by outsider means as well.
  • Third-party legal responsibility provides protection against legal accountability arising out of the death/injury and damage to property due to a mishap.

Two Wheeler Important Terms

Understanding Important Terms Related to Bike Insurance

Third Party Two Wheeler Insurance Clause

Third-party bike insurance is a two-wheeler insurance policy covering you against all the losses or damages caused to the third-party.

India Motor Vehicle Act, 1988, mandates to have a valid two wheeler insurance third party for anyone who owns a two-wheeler. If anyone who owns a two-wheeler, be it bike or scooter, does not comply with the rule, might end up paying huge penalties.

Third-party two wheeler insurance policy safeguards the riders against all the legal obligations that arise out of the damage to the third-party. The third-party, here, can be property or individual person.

Getting third-party bike insurance is hassle-free and needs minimal documentation. The reason being this type of two-wheeler insurance plan covers the third-party but not the insured two-wheeler.

Renewal Process of Third-Party Two-Wheeler Insurance Plan:

In order to renew your two-wheeler insurance third party, you have to keep a vigil on the date of expiry of your policy. Just before your policy expires, you can renew your two-wheeler policy online. You must keep a check on the actual date of expiry so as to avoid heavy inspection charges.

You will require certain documents at the time of renewal of your bike insurance third-party such as a current document of your policy, net banking/debit card details, and the Registration Certificate of the insured bike or scooter.

Liabilities under Two Wheeler Insurance

It provides financial cover for the insured vehicle if it causes injury, death or injuries a person. It also features the cost of any legal accountability.

Get this insurance at unbelievable competitive rates and without any hassles. A completely win-win situation!

  • Types of Two Wheeler Insurance

    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 two wheeler 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 motor insurance offers, they have become a clear favourite among the Indian public.

    Comprehensive Two Wheeler Insurance

    The comprehensive two wheeler insurance, as the name suggests, provide total cover for the two-wheeler and the insured. It provides four-way insurance:

    • Protects from losses due to damages to the vehicle

      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 help to save against costs from consumables, if the option is chosen.

    • Personal accident cover

      Offer a personal accident cover up to Rs. 15 lakh to insure against any injuries that result in partial or total temporary or permanent disability or even death. The Indian motor insurance companies offer the optional benefit to add co-passenger. Companies also include this cover in their liability only policies.

    • Insures against third party liability

      Guard against any cause of action arising due to this liability. These legal responsibilities may arise due to:

    • Bodily injury to or death

      Protect against any wears and tears that may accrue due to injuries to or even death. These injuries may result in hospitalization and maybe ones that cause temporary or permanent damage or partial or total loss of limbs or their functioning.

    • Damages to third party property

      The insurance companies cover this loss only up to a specific limit as defined under the policy document.

    Liability Only Policy

    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 motor 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.

  • Why is Two Wheeler Insurance Policy Required

    Indian laws mandate that any vehicle plying on all public roads in the country should have third-party two wheeler 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 necessitates 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 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, 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.

    • Two-Wheeler Insurance against Damage or Loss to the Vehicle Due to Man-made Reasons

      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.

    • 2 Wheeler Insurance Against Damage or Loss to the Vehicle Due to Natural Reasons

      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, earthquake, flood, hurricane, cyclone, typhoon, storm, tempest, inundation, hailstorm, and landslide and rockslides, among others.

    • They Insure Against Accidents to the Riders

      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 the medical costs of some kind or the other. The adverse effects of such costs can be mitigated with the help cover for personal accident.

      The amount of payout depends on the type of damages suffered. In the unforeseen event of the 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.

    • They Guard Against Bodily Injuries to the Third Party

      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 centre 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.

    • They Insure Against Damages to Third Party Property

      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.

    • They offer Peace of Mind

      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 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 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.

  • Coverage and Exclusions of Two Wheeler Insurance

    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

    • Natural Events

      The natural events that are included within the features include fires, self-ignition, earthquakes, floods, inundations, lightning, hurricanes, storms, cyclones, hailstorms, tempests, typhoons, frost, and rockslide.

    • Man-Made Events

      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.

    • Personal Accident Coverage

      A personal accident cover of up to Rs. 15 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.

    • Legal Third Party Liability

      This covers against any legal loss of money that may occur due to injuries to anyone in surroundings, which may have even led to 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 Comparison

    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:

    • Type of 2 Wheeler Insurance Covers

      The insurance policy covers for motorcycle 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 policy 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-wheeler. These specific plans are designed especially to help cover specific risks that may relate to the type of motorcycle or type of usage.

    • Add-on or Optional Covers

      All insurance companies offer add-on features that help extend the motorcycle 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 policy cover such as Zero Dep or NIL Depreciation is 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 network garages for settlement with the workshops or garages where the motorcycle was repaired if the insurer offers cashless claim 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 motor back into running condition.

    • Facilities and Features Available

      Most of the motor 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 motorcycle, and concessions for members of recognized vehicle associations or for inclusion of theft-proof devices.

      Some motor 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 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.

    • Claim Process

      The consumer-conscious insurance companies have simple claim processes that ensure the insured faces no problems while filing a claim form. They will help the insured to take the motorcycle to the nearest authorized service centre. The motor insurance claim process involves a few broad steps, such as calling the insurance company for registration of the claim, filing an FIR with the police station in case of injuries or damage to property or an accident, taking the motorcycle to the garage and submitting the necessary documents with the claim form.

      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 insurance 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 network garages. 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

    • Renewal Process

      The process to renew 2 this insurance should be easy and near instantaneous. Most websites facilitate online policy 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.

    • Discounts Available

      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.

How to Renew a Two Wheeler Insurance or Bike Insurance Policy?

Renewing bike 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.

  • Online Renewal

    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 the two-wheeler documents that you keep with you when you ride.

  • Using Mobile Apps

    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.

  • Branch Office Renewal

    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 Up to 1 L for third party property damage No Add ons available for Two Wheelers
  • Expired policies/ Owner Transfer cases can be renewed, WITHOUT Inspection and Documentation
  • Instant Policy Issuance
  • The swift claim settlement process
  • Available for vehicles up to 15 years old
Bharti AXA Two Wheeler InsuranceUp to 1 L for third party property damageNo Add ons available for Two Wheelers
  • Expired policies can be renewed, WITHOUT Inspection and Documentation
  • Instant Policy Issuance
  • The swift claim settlement process
  • Available for vehicles up to 10 years old
HDFC Ergo Two Wheeler InsuranceUp to 1 L for third party property damageZero Depreciation (ZD)
  • Expired policies can be renewed, WITHOUT Inspection and Documentation
  • Instant Policy Issuance
  • The swift claim settlement process
  • Renew expired policies- WITHOUT Inspection and Documentation
  • ZD plan available for vehicles up to 24 months old
  • Available for vehicles up to 15 years old
IFFCO Tokio Two Wheeler InsuranceUp to 1 L for third party property damageNo Add ons available for Two Wheelers
  • Instant Policy Issuance
  • Comprehensive support through our dedicated customer support team
  • Available for vehicles up to 10 years old
New India Assurance Two Wheeler InsuranceUp to 1 L for third party property damageZero Depreciation (ZD)
  • Instant Policy Issuance
  • Quick and hassle-free settlement for your two wheeler insurance claims
  • ZD plan available for vehicles up to 58 months old
  • Available for vehicles up to 10 years old
Reliance Two Wheeler InsuranceUp to 1 L for third party property damageNo Add ons available for Two Wheelers
  • Instant Policy Issuance
  • The swift claim settlement process
  • Available for vehicles up to 10 years old
Universal Sompo Two Wheeler InsuranceUp to 1 L for third party property damageZero Depreciation (ZD)
  • Instant Policy Issuance
  • Quick and hassle-free settlement for your two wheeler insurance claims
  • ZD plan available for vehicles up to 60 months old
  • Available for vehicles up to 10 years old

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, the insurer will refund the remaining amount, after deducting the 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, and death or property loss?


Although, as per law it is compulsory only to buy 3rd party bike insurance 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 a comprehensive insurance policy, you can get complete peace of mind that whatever happens to your two-wheeler, the 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 is 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 policies 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 motor insurance company and they will issue a duplicate copy of the policy. You may have to pay a nominal amount to get the duplicate copy.

In the case of online policy, soft copy of the policy is sent to the email address of the customer. Usually, policy documents are digitally signed and a coloured print out of the same works as a valid hard copy.

What is a no claim bonus (NCB)?


The bonus received by the two-wheeler policyholder when he has not made any single claim in 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 motor insurance 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 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 the three-year policy term, even if insured makes a claim during the period.

What is the endorsement in two-wheeler insurance?


The term endorsement with reference to two-wheeler insurance refers to an agreement that is documented proof of one or more agreed on changes in the policy terms. This document is valid proof of the changes in policy. The endorsement, typically, is of two types – Premium Bearing and Non-premium Bearing.

What to do if my two-wheeler is lost or stolen?


In this case, you need to visit the nearest police station to lodge an FIR against the lost or stolen vehicle. You also need to inform your insurer about the incident in order to file a claim, which requires you to submit certain documents with a copy of the FIR attached.

How is the two-wheeler insurance premium affected?


The premium payable for your two-wheeler insurance policy is subject to its age and several other factors. This means that the IDV (Insured Declared Value) of your two-wheeler decreases with its increasing age and the premium payable for the same is also lowered.

Do we get personal accident insurance cover within bike insurance?


Yes, you get a personal accident insurance cover of Rs. 15 Lakh with your bike insurance policy that should be a comprehensive two-wheeler insurance policy.

How can we buy long-term two wheeler insurance?


The long-term two-wheeler insurance policies introduced by IRDA of India are now offered by various top notch general insurance companies. You can easily buy one for your two-wheeler online/offline from your existing or a new insurer and pay the premium through a Debit Card, Credit Card, or Internet Banking.

What is Long-term Two-wheeler (LTTW) Insurance?


A long-term two-wheeler insurance policy is a multi-year insurance policy for your two-wheeler, which has a validity of 2 to 3 years. The primary benefit of a long-term two-wheeler insurance policy is that you don’t have to renew it annually (i.e. after 12 months) and the IDV and third-party liability of the vehicle remains intact over the policy term.

Two Wheeler Insurance Reviews
April 12, 2017
Minor Head light crack due to accident

There was a minor crack and I wondered if they will consider it. I was quite apprehensive in the beginning.Just submitted the relevant documents of insurance copy and registration online and got reimbursed for the same

April 12, 2017
Best motor insurance policies by Bajaj

I bought Bajaj Allianz two wheeler insurance policy for using their online portal. The premium is low and they offer cashback in the form of no claim bonus as well. Bajaj Allianz motor insurance plan is the one to buy.

April 11, 2017
Easy to access online portal

Thanks to Bajaj alliance for online policy renewal process, I was able to extend my policy cover for my Scooty. It's amazing that Bajaj alliance two wheeler insurance has such a cool online mechanism to buy or renew existing policy with in a just few clicks.

April 11, 2017
My bike is in good hands

Bajaj alliance two wheeler insurance is fine. Very easy tidy process for policy renewal and a much improved customer care experience compared to last time. Thanks!!

October 20, 2016

I have bought two wheeler insurance plan from bajaj allianz general insurance. Service is fast and large number of garages are providing great services. Policy coverage is good and claims are high. Even the tow service is available for any location and may charge also.

October 05, 2016
Bike Insurance Policy

I have a two wheeler insurance policy from bajaj allianz general insurance company ltd. Service is fine and the executives gives great response to there customers. Renewals are easy to make by the online portal service.

September 28, 2016
Worth Of Buying

Long searching on web, finally the search is ended because I have found bajaj allianz insurance company which provides me the best deal and wide range of policies. I have purchased two wheeler insurance in low premiums but the returns are huge. Policy coverage and claims are good with good percentages and lots more.

August 26, 2016
Vehicle Insurance

My two wheeler insurance policy for my new bike is awesome. Policy coverage is high and except tires whole bike is insured through it. The tow bike service is for free of cost at any location. Renewal of the insurance policy get simple by online portal and it is really easy to use.

August 23, 2016
Two Wheeler Insurance

Bajaj allianz general insurance provide me two wheeler insurance policy. I took it in very low premium and the benefits are much more. Services given by the each and every person in the company is superb. Updates are mailed regularly and easy online renewal option.

July 29, 2016
Good Insurance Policy

The two wheeler insurance policy i buy is bajaj allianz general insurance. It has fantastic service and the claiming is easily sanctioned. The renewal of the insurance plan is simple just few clicks on online portal website page.

July 21, 2016
Bike security

I have purchased bajaj two wheeler insurance plan in low investment but the benefits are unimaginable. The whole vehicle is insure except tires. Accidental benefits also there for the vehicle and the owner of the insurance plan.

July 01, 2016

The two wheeler insurance plan of mine is fantastic with good number of benefits. The policy premium is less and the policy coverage is high. Service is fast from your company members. Tow facility and number of garages are there which works 24X7.

June 24, 2016
Trustable Insurance

My two wheeler insurance plan is for my new bike and it work's for me perfectly. The policy coverage is high and premium is low. Service is fantastic and tow facility is at any location for free. The insurance is not for fiber parts and tire. Updates are mailed regularly.

June 06, 2016
bajaj discover 125 cc

in a good condition,one year purchase

March 16, 2016
Best Policy Plan

Bajaj Allianz General Insurance is the best provider which facilitate best benefits in low premiums. I buy two wheeler insurance policy plan. Policy coverage and the claims are 90%, Rs.1.2 L. Service is great and the behaviour of the executives is really nice. Good work guys, I like the policy very much.

March 16, 2016
Great Policy Plan

Great policy plan i have, which i buy from bajaj allianz general insurance. Policy have high number of garages which provide the best service in the city and no extra charges are there for service or recovery. Policy coverage and claims are easily clear due to nice service provided by the executives.

March 16, 2016
Manageable Policy Plan

The policy i have is not so good but not so bad either. Bajaj allianz two wheeler insurance policy plan i have which have low premiums and the policy coverage and the claims are high. The number of garages are not so high but the service provided by them is good and fast so waiting is not a option.

March 16, 2016
Poor Policy

I purchase two wheeler insurance policy plan by bajaj allianz general insurance. The service is poor and never on time. Claims are less ~40 K. Policy coverage is around 60% and the premiums are high. Fiber parts of the bike is not included in the claims.

March 16, 2016
Much Better Than Others

After long searching and comparing i found the bajaj allianz general insurance, so i took two wheeler insurance policy plan. The policy coverage and claims are high and the low premiums. Good amount of garages are providing non stop services.

March 16, 2016

The policy of my bike which i purchase from bajaj allianz general insurance is totally satisfactory. The premiums are normal i.e., Rs.3999 and the returns are high like whole bike is covered in the claims. The service of any garage is perfect and on time. Around 80% garages are working under the company. Nice policy plan.

March 16, 2016
Power Policy Plan

Bajaj allianz general insurance facilitate the best two wheeler insurance policy plan which has all things and staff. Like toe up facility is there and it is absolutely free of any charges, Huge number of garages present, premiums are low, behaviour of the staff and executives are very nice.

March 16, 2016

Company provides good services and benefits. Nice two wheeler insurance policy plan and nice work bajaj allianz general insurance. Policy coverage and claims are good {80%, Rs.2 L}. Around 78% are the garages in the city which provides great services.

March 16, 2016
Less Claims

I have bajaj allianz two wheeler insurance policy plan which is very nice but claims are less. Policy coverage is high around 80% and the premiums are low. Tow up facility is not provided by the policy and the number of garages are low. But yes the nature and behaviour of the executives and the staff members are good.

March 16, 2016
Happy With Services

The services provided by bajaj allianz general insurance is very impressive and the work is done in just blink of an eye. The best two wheeler insurance i got in just low premiums. Policy coverage and claims are also high but the fiber parts are not included in the claims.

March 16, 2016
"Two Wheeler Insurance"

My two wheeler insurance policy plan is good and i buy it from bajaj allianz general insurance. Good coverage and the claims are not for fiber parts. Garages are few so that the waiting is common but after the recovery the vehicle is perfect, so no doubt in servicing.


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