10 Things to Check in a Two-wheeler Insurance Policy

A two-wheeler insurance policy is an intangible promise given by an insurer to the policyholder to help the insured financially and legally in case of an unfortunate event. But as a two-wheeler owner, you must check a few things in your policy documents. Let’s find out some basic things that your two-wheeler insurance policy must-have.

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What are the 10 Things in a Best Two-wheeler Insurance Policy That You Must Check?

A two-wheeler insurance policy is the most important document to legally ride a bike. Whether you buy it online or offline, you must check a few things in your policy documents once the payment is processed. Here is a list of the same: 

1. Policy Number 

When you request a claim, your insurer will ask for your policy number, as the personal information and vehicle details are stored against the policy number with your insurer. Therefore, you must check the policy number in your bike insurance policy documents.

2. Personal Information 

Before submitting your proposal form, it is suggested to fill in your personal details correctly. If you find any error, intimate your insurer to modify it and make your policy error-free. However, you must check the personal information in your 2-wheeler policy.

3. Vehicle Details 

Your policy document must include essential information about your vehicles, such as engine number, chassis number, and registration number. Therefore, you must check all these details in your two-wheeler policy for a hassle-free claim settlement process. 

4. Insurance Premium 

The insurance premium charged by the insurer is inclusive of 18% GST, which is mentioned in your bike insurance policy documents. However, you must cross-check the amount charged and the paid amount, so there are no differences.

5. Add-on Covers 

Choose the bike insurance add-on covers wisely as they might increase your two-wheeler insurance premium. If you are insuring a brand new bike, zero-depreciation cover, consumables cover, and return invoice cover are some of the most essential covers that you can consider buying. Moreover, you must check and confirm all the covers that are mentioned in your two-wheeler insurance policy. 

6. Coverage

Make sure you go through the details about different bike insurance coverage and benefits, including third-party liability cover, own damage cover, personal accident cover, etc. The third-party liability covers third-party life and property damages. However, your comprehensive coverage gives financial protection for your own damages and third-party damages. Therefore, you must check all these elements in your 2-wheeler policy documents.


7. Insured Declared Value (IDV)

Your bike insurance premium depends on several factors. However, one of the essential factors is IDV. It is advised to check your IDV and choose the right IDV because this factor will impact your premium during the bike insurance policy renewal.

8. No Claim Bonus (NCB)

NCB is another vital factor that helps in deciding your two-wheeler insurance premium. If you do not raise a single claim during your policy period, you are eligible for a discount on premium during your renewal. This discount is known as NCB. Therefore, if you have not raised a single claim in your previous year, you can avail the benefit of this. Also, you must check your NCB in your policy documents so that the future premium calculations are accurate. 

9. Policy Validity 

In every insurance policy, there is validity. Here, policy validity refers to the time your bike insurance policy will be active for. You must know your renewal date, so you do not miss it. Check the policy validity mentioned in your policy. If your policy is expiring soon, renew it on time so that you do not lose the accumulated NCB, and the bike does not have to go through an inspection. 

10. Insurer Details 

Ideally, the insurance document has the contact details of the insurance provider, such as an address, email, and mobile number. For any assistance, you can connect them and resolve your query. If you do not find any such details, you can ask your insurance executive to rectify this issue.

Policy Endorsement 

Policy endorsement refers to a process of changing or modifying the details in your insurance policy. If you find errors in your policy documents, request your insurer to endorse the policy. The endorsement is initiated only when you request the insurer.

However, you have to pay some admin charges that may vary from the insurer to the insurer. Moreover, do not forget to ask for a revised policy that must have the endorsement made and the previously mentioned details. 


Also, you must keep a hard copy of your policy documents on your bike. Keep your soft copy in your smartphone or email and access easily when needed. 

In a Nutshell 


To find the best two-wheeler insurance policy, you should research it well. However, it is an excellent way to financially protect your bike against unforeseen road emergencies and other risks. You must consider the above-mentioned points while issuing your policy. In case, you find any error in your policy details, connect with your insurer and ask them to endorse the policy.

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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