Comprehensive Bike Insurance

A comprehensive bike insurance policy is a combination of Own damage cover (OD) and Third-party liabilities cover (TP). Beyond safeguarding against third-party liabilities in a road accident, it protects your bike against accidents, theft, fire, and natural & man-made disasters.

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What is a Comprehensive Bike Insurance?

A comprehensive bike insurance policy is a type of two-wheeler insurance policy offering complete protection for your bike against both third-party liabilities and own damage (OD). This policy provides financial coverage for accidents, theft, natural disasters, fire, man-made calamities, and third-party liabilities, ensuring peace of mind for every rider.

Key Features of a Comprehensive Bike Insurance

Feature Description
Own Damage Coverage Covers repair or replacement expenses for your bike in case of damage.
Third-Party Liability Coverage Covers injury, death, or property damage to a third party.
Theft Protection Covers the loss in case your bike is stolen.
Natural Calamity Coverage Protection against floods, earthquakes, cyclones, etc.
Man-made Disaster Coverage Covers riots, vandalism, terrorist attacks, and more.
Personal Accident Coverage Optional yet mandatory add-on for covering injuries or death of the policyholder.
Add-on Flexibility Customize your policy with useful & popular add-ons like zero depreciation cover, engine protection cover, 24x7-roadside assistance cover, etc.

*Disclaimer: The above-mentioned features include a general description, which may vary from insurer to insurer.

Why Do You Need Comprehensive Bike Insurance?

A comprehensive bike insurance policy offers financial and legal protection to all the two-wheeler owners in India. The policyholder can also claim compensation for vehicle damages from fire, thefts, natural calamities, and man-made disasters.

To understand the other benefits of a 2-wheeler comprehensive insurance policy, check the below pointers:

  • Extensive Protection: Comprehensive 2-wheeler insurance ensures broader protection coverage for yourself, your bike, and any third party involved, including damages from theft, fire, accidents, and total loss scenarios.
  • Liabilities Coverage: The policy covers legal and financial obligations resulting from third-party claims, encompassing vehicle damages and injuries. It also includes financial liabilities arising from the death of a third party in an accident which involves the insured bike.
  • Own-Damage Cover: The policy protects the owner's vehicle due to collision, natural calamities (e.g., floods, cyclones, earthquakes), man-made disasters (e.g., riots, vandalism, strikes), theft, fire, and total loss.
  • Single Premium Convenience: The best part of a comprehensive cover involves a single premium payment at once. Hence, it simplifies the process and provides extensive protection for third-party and own damages.
  • Add-ons and NCB: A comprehensive bike insurance policy offers the flexibility to choose from a list of add-ons, fulfilling bike-related requirements. In addition, the No Claim Bonus in bike insurance also makes policyholders eligible for a renewal discount if no claims were raised in the preceding year, helping them save on their own damage policy renewal.
Why Buy Bike Insurance from Policybazaar Why Buy Bike Insurance from Policybazaar

Inclusions and Exclusions of Comprehensive Bike Insurance Policy

  • Inclusions
  • Exclusions

Here are the inclusions of the comprehensive bike insurance policy for which the insurance company will compensate you:

  • Third-party liabilities: Loss or damage caused to third-party property, including their vehicle. It also covers the injuries or deaths caused to the third party in an accident by the insured two-wheeler.
  • Accidental damages: Loss or damage sustained to the insured bike in an accident.
  • Fire damages: Loss or damages to your insured two-wheeler due to explosion, lightning, self-ignition, etc.
  • Theft/total loss: Any loss due to bike theft or total loss. If the insured two-wheeler is stolen and the police authorities declare it 'Untraceable', the insurance company is liable to pay the bike's IDV as per applicable T&Cs.
  • Natural disasters: Loss or damages caused due to events such as earthquakes, typhoons, landslides, floods, cyclones, etc.
  • Man-made disasters: Loss or damages incurred due to strikes, vandalism, riots, etc.

Here are exclusions of the comprehensive bike insurance policy for which you will not be paid off or compensated:

  • Technical/electrical breakdown: Loss or damages to the insured two-wheeler due to technical or electrical breakdown.
  • Drunk-driving: Loss or damages sustained while riding under the influence of alcohol or other intoxicated substances.
  • Inactive policy: Loss or damages incurred to the two-wheeler when the comprehensive bike insurance policy was inactive or invalid.
  • Invalid Driving License (DL) and Registration Certificate (RC): Loss or damages sustained to the insured bike while riding with an invalid DL and RC of the bike.
  • Geographical boundaries: Loss or damages incurred to the insured bike outside the determined geographical boundaries mentioned in the comprehensive policy documents.
  • Regular wear and tear: Loss or damages caused to the bike's part due to regular wear and tear.
  • Illegal activities: Loss or damages sustained to your two-wheeler from illegal activities, such as racing.
  • Consequential loss: Loss or damages arising to the insured bike due to a result of an action that is uncontrollable action.

*Disclaimer: The above-mentioned comprehensive bike insurance inclusions & exclusions are general coverage. For exact policy coverage, kindly refer to the insurance provider's policy wording.

Comprehensive Bike Insurance Add-ons

At Policybazaar.com, you get an array of valuable bike insurance add-ons to enhance the coverage of your policy coverage. Here is a list of optional covers or riders that you must consider:

  1. Personal Accident Cover

    Personal Accident Cover for bikes is a mandatory add-on cover offered to the insured bike owner with a coverage limit of ₹ 15 lakh. Under this, they or their nominee will get compensation if they sustain any injury, disability, or death in a road accident.

  2. Zero Depreciation Cover

    By purchasing a zero-depreciation bike insurance plan, one can ensure their bike's components are covered fully without deducting depreciation from the sum assured. Usually, this applies only to the first two claims raised by the insured. However, the insurance companies now offer to utilize this offer more than two times. Moreover, zero depreciation add-on applies to comprehensive and own-damage bike insurance policies.

  3. Return-to-Invoice Cover

    Return to Invoice cover in bike insurance is an essential cover that helps recover the bike's invoice cost if stolen or considered a Total Loss (TL). In both cases, you can receive the bike's 'IDV' or 'Insured Declared Value'. The insurance company is liable to pay you road tax and registration charges, ensuring you are reimbursed for the purchase price of the two-wheeler.

  4. No Claim Bonus (NCB) Protection Cover

    No Claim Bonus (NCB) protection cover in bike insurance is an optional cover that protects your accumulated bonus for the own damage claims raised. Therefore, there is no loss of NCB for the first 2 claims preferred during the policy period. However, you must check the number of limits available under it before buying an NCB protection cover for the bike.

  5. Consumables Cover

    With the help of a consumables cover in bike insurance policy, you can cover the replacement, repair, or replenishment costs of the damaged consumables after an accident. The consumables refer to the small parts of your bike, such as screws, bearings, lubricants, engine oil, nuts/bolts, etc., which can be covered with this add-on cover. Remember, bike fuel loss cost is not covered in the consumables cover.

  6. 24x7- Roadside Assistance Cover

    Ensure you are never stranded in the middle of your journey by adding this 24x7-roadside assistance cover in bike insurance. From towing & repairs to fuel replacement & battery services, our roadside assistance is just a call away. In addition, the cover also provides necessary on-spot repairs.

Difference Between Third-Party, Own-Damage, and Comprehensive Bike Insurance Policy

Cover Type Third-Party (TP) Own Damage (OD) Comprehensive (Comp)
Third-party liability Covered Not covered Covered
Own damage to bike Not covered Covered Covered
Add-ons availability Not available Available Available
Premium cost Lowest Moderate Higher
Best for Budget compliance Own protection for existing TP holders Complete protection

Why Choose Policybazaar.com for Buying Two-wheeler Comprehensive Insurance Online?

Policybazaar.com allows you to compare and renew/buy bike insurance online in only 60 seconds. Here are the features you cannot miss:

  • Compare Multiple Insurer’s Plans Instantly
  • Affordable Premium
  • Quick & Paperless Process
  • 24x7 Customer Support
  • Seamless Claim Settlement

How to Buy/Renew Comprehensive Bike Insurance Online from Policybazaar?

The procedure to buy or renew comprehensive motorcycle insurance online is given below:

  • Step 1: Visit the Policybazaar Insurance Brokers Private Limited website.
  • Step 2: On the top of the page, click 'bike insurance', which is available under 'insurance products'.
  • Step 3: Enter the required details, including your bike's registration number.
  • Step 4: Compare multiple bike insurance quotes and select one as per your needs & budget.
  • Step 5: Choose desired add-on covers to enhance your policy coverage.
  • Step 6: Fill out all the details, including owner, vehicle, and nominee details.
  • Step 7: Pay the bike insurance premium using UPI, Internet banking, or debit/credit cards.
  • Step 8: The insurer will send the 2-wheeler comprehensive insurance policy to your registered email ID.

How to File a Comprehensive Bike Insurance Claim?

Filing comprehensive bike insurance online has become easier with our reimbursement and cashless comprehensive bike insurance claims. Follow the below procedure for a hassle-free claim settlement process for accidental claims:

  • Step 1: Inform the insurance company about the accident or mishap causing damages to your insured vehicle on the helpline number or over email.
  • Step 2: Download, fill out, and submit the bike insurance claim form on the insurer's website.
  • Step 3: Submit the required documents to the insurer to make a claim.
  • Step 4: Once the insurance provider approves the claim request, send your damaged two-wheeler to the authorized network garage in case of cashless claims. On the contrary, for reimbursement claims, send your bike to any of your nearest garages for repairs.
  • Step 5: After repairs, the insurer will directly settle the bill with the network garage for cashless claims. In reimbursement claims, you must pay the bills on your own. Later, the insurer will reimburse the bill amount directly to your bank account.

Note: Pay your non-covered expenses or deductibles on your own. (if any)

Documents Checklists for Two-wheeler Insurance Claim

  • The documents required to file a comprehensive bike insurance claim are listed as below:
  • Duly filled & signed claim form
  • Bike Registration Certificate
  • Driving License
  • Comprehensive motorcycle insurance policy
  • FIR (in case of accidental damage/theft)
  • Repair bills (original)
  • Proof of release of the vehicle (for reimbursement claim process)
  • Cash receipt (for reimbursement claim process)

How is the Comprehensive Bike Insurance Price Calculated?

Since the third-party bike insurance policy premium is determined by IRDA, the comprehensive bike insurance price depends upon several factors explained below. However, with an online bike insurance calculator on Policybazaar.com, it is easy to find the estimated premium of any two-wheeler model.

  1. Insured Declared Value (IDV)

    The IDV or Insured Declared Value represents the maximum sum payable by the insurance company in case of the total loss of a vehicle or theft. The IDV of your bike is calculated by deducting depreciation from the bike's price and accessories costs.

  2. No Claim Bonus (NCB) & Other Discounts

    Your comprehensive bike insurance premium also depends on the NCB discounts received for not raising a claim. Moreover, the insurance providers offer other values, such as installing anti-theft devices approved by the Automobile Association of India (AAI), which also affect the premium.

  3. Age of the Two-wheeler

    Another significant factor in deciding your bike insurance premium is the age of the vehicle. Generally, new bike models attract a higher premium than the older models. Since depreciation applies to older bikes, it leads to a lower premium than the newer ones.

  4. Make, Model, and Variant (MMV) of the Bike

    Expensive, fancy, or high-end bike models mean higher bike insurance premiums than low or medium-budget bikes. Similarly, the insurance premium will be higher for the sports or cruiser bike than the city-commuter bike as the former bike category has a higher maintenance and parts replacement cost. In addition, the fuel type category of your bike also affects the premium.

  5. Place of Registration

    Your comprehensive bike insurance premium depends upon the place of registration. The premium is likely high if registered in a metropolitan city or a high-traffic area, which is also an accident-prone zone. On the contrary, if registered in a remote town with a lower road accident rate, it will likely have a lower bike insurance premium.

  6. Purchasing Add-ons

    Each bike insurance add-on has its significance and incurs an additional cost, contributing to the overall premium. Therefore, choose add-ons wisely based on the requirements, as the cost of each add-on cover will directly impact the overall comprehensive bike insurance premium.

How to Reduce Comprehensive Bike Insurance Premium?

In order to reduce or lower your comprehensive bike insurance premium, you can simply follow the tips below:

  1. Drive Sensibly for NCB discount

    Having the proper knowledge about the traffic rules and regulations for every two-wheeler owner is essential. Since road mishaps significantly contribute to road accidents, ensure you adhere to these rules and ride safely with your insured bike. Doing so will help you save a lot, known as 'NCB' or 'No Claim Bonus'.

    You can avail of this NCB when renewing a 2-wheeler comprehensive insurance policy. Remember, the NCB is only offered when you do not raise a single claim in the policy tenure, and a 50% discount is possible after five consecutive claim-free years.

  2. Install Anti-theft Devices

    Another way to reduce your comprehensive bike insurance premium is to get discounts on your bike insurance premium through multiple ways. For members of the Automobile Association of India (AAI), there is a discount on the two-wheeler insurance premium. Besides, you can install ARAI-approved anti-theft devices on your bike for a discount on bike insurance premiums.

  3. Choose Bike Insurance Add-ons Wisely

    Before paying the final premium, you must ensure the suitable & desired add-ons only since they will add to the comprehensive bike insurance price. The impact of each add-on cover on the policy premium can be checked using a bike insurance calculator.

  4. Timely Bike Insurance Policy Renewal

    Make sure you renew your comprehensive bike insurance policy before the expiry date. This ensures you keep your accumulated NCB.

  5. Avoid Raising Claims for Minor Damages

    Some road accidents lead to minor damages to your bike, whose repair cost is affordable. For example, your insured bike's side mirror is broken in a minor accident, and the repair cost is around ₹ 300-400. In such a case, it is advised not to file a claim since it is minor damage, and you can pay from your pocket to fix it.

Comprehensive Bike Insurance No-Claim-Bonus

An NCB or No Claim Bonus in 2-wheeler comprehensive insurance is a discount given by bike insurance company to the policyholder for raising a claim during a policy period. The motor insurance company provides this reward for riding safely and maintaining the bike in good condition.

The NCB is given in a certain percentage, starting from 20% and going up to 50%, with a hike in every consecutive claim-free year. The NCB eligibility begins after the first claim-free year, significantly reducing own-damage premiums. Therefore, it is one of the best ways to get a discount on your comprehensive or own-damage bike insurance policy.

For a broader understanding, check the percentage of NCB discount provided for the respective claim-free years in the table below:

Number of Claim Free Years Percentage of NCB discount
First claim-free year 20%
Second consecutive claim-free years 25%
Third consecutive claim-free years 35%
Fourth consecutive claim-free years 45%
Fifth consecutive claim-free years 50%

*Note: This NCB will not rise after the fifth consecutive claim-free year. Therefore, it is advised to utilize it after the fifth-year comprehensive bike insurance renewal and restart this NCB cycle from the next policy renewal. When you raise a single claim during the policy period, the NCB percentage will be zero.

Comprehensive Bike Insurance FAQs

General
Buy/Renew
Policy Coverage & Premium
Claims

  • Q. Can I switch my third-party policy to a comprehensive bike policy?

    Ans: Yes, you can upgrade anytime by purchasing a comprehensive cover and submitting the required documents.

  • Q. Is a 2-wheeler comprehensive insurance policy mandatory?

    Ans: No, buying a comprehensive cover for your bike is not mandatory. However, if you don't have this coverage, you will not be covered against the damages caused by owning a vehicle.

  • Q. Does comprehensive bike insurance cover all types of two-wheelers?

    Ans: Yes, it covers scooters, bikes, electric bikes, and more.

  • Q. How is the premium calculated for comprehensive insurance?

    Ans: Premium is based on the bike’s IDV, age, engine capacity, location, add-ons, and claim history.

  • Q. What is comprehensive bike insurance meaning?

    Ans: As the name suggests, it is a type of bike insurance that offers complete protection against vehicle theft, damages and 3rd party liabilities. The policyholder can also claim damages from natural calamities, fire, and road accidents.

  • Q. What is the validity of comprehensive bike insurance?

    Ans: For a new two-wheeler owner, a comprehensive bike insurance policy is available for 3 years.

  • Q. What is the difference between own damage and comprehensive insurance for bikes?

    Ans: Own damage covers only the insured two-wheeler against accidental damages, theft, fire, etc. Meanwhile, a comprehensive 2-wheeler insurance policy combines both own damage and third-party bike insurance cover in a single policy.

  • Q. What happens to my NCB while renewing an expired comprehensive bike insurance policy?

    Ans: NCB or No Claim Bonus is valid for up to 90 days from the expiry date of the previous policy year. Even if the policy is not renewed within 90 days, this NCB turns into 0%.

  • Q. Can I raise claims for total loss in my comprehensive bike insurance policy?

    Ans: In case of total loss, the overall damages exceed 75% of the vehicle's IDV. Total or constructive total loss is covered under a comprehensive bike insurance plan. Therefore, you can raise the claims for the same.

  • Q. Who should buy comprehensive insurance for a bike?

    Ans: The two-wheeler comprehensive insurance policy caters to different individuals' diverse needs and expectations in a single policy. New bike owners, city bikers in high-traffic zones, high-end bike owners, clumsy drivers, and road trip enthusiasts must consider buying a comprehensive bike insurance policy.

  • Q. What's "full insurance" for a bike?

    Ans: It usually means a comprehensive plan that offers the most protection for your bike and others.

  • Q. Can I buy comprehensive bike insurance online without inspection?

    Ans: Yes, if your existing policy hasn't lapsed or is within the grace period.

  • Q. What documents are required to buy or renew comprehensive bike insurance policy?

    Ans: You need your RC, existing policy (if renewing), and ID proof.

  • Q. How do I check the status of my renewed policy?

    Ans: You can check it on the insurer’s website or via your registered email/SMS.

  • Q. What happens if I don’t renew my comprehensive bike insurance policy on time?

    Ans: Your bike remains uninsured and may lose the No Claim Bonus (NCB). Another inspection may be needed.

  • Q. Can I transfer my existing policy when selling my bike?

    Ans: Yes, the policy can be transferred to the new owner with insurer approval.

  • Q. What factors affect the premium of comprehensive bike insurance?

    Ans: IDV, bike’s age, location, engine capacity, claim history, and selected add-ons.

  • Q. Is engine damage covered under a comprehensive bike policy?

    Ans: No, it's covered only if you opt for the Engine Protection add-on.

  • Q. Are accessories covered in comprehensive insurance?

    Ans: Yes, but only if declared and insured separately.

  • Q. How does the IDV (Insured Declared Value) affect my premium?

    Ans: Higher IDV = Higher Premium. It’s also the maximum claim amount.

  • Q. Can I reduce my premium with higher deductibles?

    Ans: Yes, choosing a higher voluntary deductible can lower your premium.

  • Q. How do I claim if my bike is stolen?

    Ans: File an FIR, inform the insurer, submit documents, and await investigation.

  • Q. What is the claim process for accidental damages under comprehensive bike insurance?

    Ans: Notify the insurer and submit a claim form; an inspection will be conducted, and based on it, repairs your bike at the garage, and the claims will be settled based on the process you have selected.

  • Q. How long does it take to process a bike insurance claim?

    Ans: Usually 7–15 days, depending on the claim and documentation.

  • Q. Can I claim comprehensive bike insurance without an FIR?

    Ans: FIR is mandatory for theft and third-party claims but not always for minor own-damage.

  • Q. What is the role of a surveyor in the claim process?

    Ans: The surveyor assesses the extent of damage and recommends the claim amount.

Explore More Under Bike Insurance

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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