Comprehensive Bike Insurance

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What is Bike Insurance?

What is Comprehensive Bike Insurance?

A comprehensive bike insurance policy is a type of two wheeler insurance policy offering extensive protection. It combines Own Damage (OD) cover with Third-Party (TP) liability cover. While a TP bike insurance policy only protects you from legal and financial liabilities arising from accidents involving third parties, the comprehensive policy offers wider coverage, as it safeguards your own bike against damages due to accidents, theft, fire, natural disasters, and man-made calamities.

This all-in-one insurance ensures that both your bike and your finances are protected. With this policy, bike riders can also opt for add-on covers such as zero depreciation cover, roadside assistance cover, engine protection cover, etc., to enhance coverage. Therefore, a comprehensive bike insurance policy gives extensive financial security and peace of mind while riding on Indian roads.

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What is Bike Insurance?

Why Do You Need Comprehensive Bike Insurance

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 Do You Need Comprehensive Bike Insurance

Key Features of a Comprehensive Bike Insurance?

Key Features Benefits
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.
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*Disclaimer: The above-mentioned features include a general description, which may vary from insurer to insurer.
What is Bike Insurance?

Comparison of Bike Insurance Policies

Here is a table showing the differences between different types of bike insurance policies in India:

Points of Basis
Scope of Coverage
Third-party liabilities
Damages to your bike
Personal Accident (PA) cover
Availability of add-on covers
Mandated by law
NCB Discount up to 50%

Third-party (TP) Bike Insurance Coverage

Narrow

Own-Damage Bike Insurance Coverage

Wider

Comprehensive Bike Insurance Coverage

Covers both TP & own damage benefits
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Bike Insurance Add-ons

Personal Accident Cover

PA cover in bike insurance is a mandatory cover, providing financial protection of up to ₹15 lakh to the policyholder or nominee in case of disability or death while riding the insured bike.

Zero Depreciation Cover

With this zero dep cover in bike insurance you receive the full claim amount for repaired or replaced bike parts without any depreciation deductions, ensuring maximum payout after an accident.

NCB Protection Cover

TheNCB protection cover in bike insurance safeguards your accumulated No Claim Bonus (ranging from 10% to 50%) even if you file a claim, helping you retain renewal discounts on premiums.

24/7 Roadside Assistance Cover

RSA cover in bike insurance ensures you get round-the-clock help if you are stuck in the middle of a journey without compromising your NCB. It includes services like towing, flat tyres, lost keys, minor repairs, fuel assistance, etc.

Return to Invoice (RTI) Cover

In the event of total loss or theft, this RTI cover for the bike reimburses you with the bike's original invoice value (including registration and road tax), instead of just the depreciated IDV.

Engine Protection Cover

The engine protection cover in bike insurance is specifically useful in flood-prone areas. It covers the damage to the engine due to water ingress, lubricant leakage, or hydrostatic lock.

Consumables Cover

The Consumables add-on in bike insurance the cost of consumable items like engine oil, brake fluid, nuts, bolts, and coolant. These items are usually excluded from a comprehensive bike insurance policy.

Passenger Cover/Pillion Rider Cover

Pillion rider cover offers compensation in case of accidental injury or death of the pillion rider travelling with you on the insured bike.
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How to Buy/Renew Bike Insurance Policy Online?

With Policybazaar, renewing/buying comprehensive two wheeler insurance is quick, simple, and cost-effective. Here, you can find various comprehensive plans offered by different insurers and get a copy of the policy. You will find the right coverage here if you have a regular commuter bike, scooter, superbike, or e-scooter.

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  1. Visit & Select

    Go to the official Policybazaar website and choose '2 Wheeler Insurance' or 'Bike Insurance' from the homepage.

  2. Enter Bike Details

    For renewal: Enter your bike's registration number and click 'View Prices'.

    For buying a new/fresh policy: Select 'Buying a New Bike?' for a new bike and provide details like RTO, city, and vehicle type. Browse and compare various comprehensive plans, and select your desired add-ons. Next, fill in owner and nominee information.

  3. Pay & Get Instant Policy

    Make payment securely through any of your favourite online modes. Your policy will be generated instantly and sent to your registered email. You can also download or print it for hassle-free usage.

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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%

Know The Comprehensive Two Wheeler Insurance Claim Process

How to File a Comprehensive Bike Insurance Claim?

If your bike is damaged in an accident, stolen, or suffers a major loss, you can file a claim under your comprehensive insurance policy. While a third-party policy only covers damages or liabilities to others, your comprehensive bike insurance policy covers damages suffered by your own bike.

At Policybazaar.com, you can raise a claim in two simple ways:

Cashless Claim Settlement
Get your bike repaired at an insurer's network garage. The insurer directly settles the bill with the garage, so you only pay your share of deductibles (if any).
Reimbursement Claim Settlement
If you repair your bike at a non-network garage, you can pay the bill upfront and later file a claim for reimbursement. The insurer will repay you after verifying the expenses.

Guide to Raise Comprehensive Bike Insurance Claims with Policybazaar.com

  1. Inform the insurance company about the accident or mishap causing damage to your insured vehicle on the helpline number or by email.
  2. Download, fill out, and submit the claim form on the insurer's website.
  3. Submit the required documents to the insurer to make a claim.
  4. Once the insurance provider approves the claim request, send your damaged two-wheeler to the authorised network garage in case of a cashless claim. On the contrary, for reimbursement claims, send your bike to any of your nearest garages for repairs.
  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.

Why Choose Policybazaar.com for Buying Comprehensive Bike Insurance Online?

Policybazaar.com makes it quick and convenient to stay legally compliant. Here are the reasons why you should buy third-party bike insurance online from us:

Instant policy issuance
Affordable premium starts at just ₹1.3/day
24x7 claims support
No documentation or zero paperwork
IRDAI-approved insurers
Option to upgrade to a comprehensive bike insurance plan
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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:

Drive Sensibly for NCB discount

Safe and responsible riding prevents accidents and also helps you earn a No Claim Bonus (NCB) in bike insurance. You become eligible for premium discounts during policy renewal if you do not file any claims during your policy tenure. The discount starts at 20% after the first claim-free year and can increase to 50% after five consecutive claim-free years. This reward significantly lowers your comprehensive bike insurance premium over time.

Install Anti-theft Devices

Installing ARAI-approved anti-theft devices on a bike reduces the risk of theft, which insurers value when calculating premiums. However, you must be an Automobile Association of India (AAI) member. These measures show insurers that your bike is safer and less risky to insure, which directly lowers your premium rates.

Choose Bike Insurance Add-ons Wisely

Add-ons like zero depreciation, roadside assistance, or engine protection provide extra security and increase the premium. Therefore, it's essential to assess your riding needs and select only those add-ons that are genuinely beneficial for you. You can use an online bike insurance calculator to check the cost impact of each add-on before finalising your policy. This ensures you get the right coverage without overpaying.

Timely Bike Insurance Policy Renewal

Renewing your policy before the due date is crucial to avoid policy lapse. If you delay, you risk losing your accumulated NCB benefits, which can take years to build. Timely renewal also ensures continuous protection for your bike without requiring fresh inspections or higher premiums due to a break in coverage.

Avoid Raising Claims for Minor Damages

For minor and inexpensive repairs, such as fixing a side mirror or replacing indicators, it's better to pay out of pocket instead of raising a claim. Filing a claim for minor expenses can reset your NCB benefits, which results in higher premiums at renewal. Avoiding unnecessary claims safeguards your long-term discounts and keeps your insurance costs low.

Two Wheeler Insurance FAQs

General
Buy/Renew
Coverage

  • 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.
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^The buying/renewal of insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for a transaction may vary subject to additional data requirements and operational processes.

*TP price for less than 75 CC two-wheelers. All savings are provided by insurers as per IRDAI-approved insurance plan. Standard T&C apply.

*Rs 538/- per annum is the price for third party motor insurance for two wheelers of not more than 75cc (non-commercial and non-electric)

#Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

*₹ 1.5 is the Comprehensive premium for a 2015 TVS XL Super 70cc, MH02(Mumbai) RTO with an IDV of ₹5,895 and NCB at 50%.

*₹457/- per annum (₹1.3/day) is the price for third-party motor insurance for private electric two-wheelers of not more than 3KW (non-commercial). Premium is payable annually. The list of insurers mentioned is arranged according to alphabetical order of the names of insurers respectively. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For the complete list of insurers in India, refer to the Insurance Regulatory and Development Authority of India website: www.irdai.gov.in

You May Also Know About : Bike insurance | Third Party Bike Insurance | Bike Insurance Calculator | Bike Insurance Companies | Bike Cashless Garages | Comprehensive Bike Insurance