Bike Insurance Products

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Zero Depreciation Bike Insurance

Ride Smart, Stay Protected – Your All-in-One Bike Insurance Solution

Your bike is more than just your riding companion, and you must protect it with the right bike insurance plan that keeps you and your ride safe throughout the journey. Whether you need basic third-party protection, comprehensive all-around cover, own damage insurance, or zero depreciation benefits, we offer a plan for every rider and every budget.

Why Are Add-On Covers in a Two-Wheeler Insurance Policy Required?

Types of Bike Insurance Policies in India – Our Products

In India, bike insurance plans come in different types, each one offering a different level of protection at a varied insurance premium. Here is a quick product guide of Policybazaar to help you choose the right one.

Third Party Bike Insurance

Bike Insurance

Bike insurance, also known as two-wheeler insurance, is a financial safety net that protects you and your vehicle from unexpected expenses arising from various risks, including accidents.
It ensures that you can ride without worrying about repair or replacement costs.
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Own Damage Bike Insurance

Third-Party Bike Insurance

Third-party bike insurance is legally mandatory under the Motor Vehicles Act, 1988. It covers any damage or injury caused to another person or property due to your bike.
However, it does not cover damage to your own vehicle. It's ideal for riders seeking legal compliance and basic protection at a lower premium.
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Comprehensive Bike Insurance

Comprehensive Bike Insurance

Comprehensive bike insurance offers complete protection, covering both third-party liabilities and own damage to your two-wheeler. It protects against accidents, theft, fire, vandalism, and natural or man-made disasters.
You can also enhance coverage with add-ons like zero depreciation cover, roadside assistance cover, engine protection cover, etc.
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Comprehensive Bike Insurance

Own Damage Cover Bike Insurance

Own Damage cover protects only your bike against damage from accidents, fire, theft, or natural disasters. Introduced by IRDAI in 2019, it allows you to buy standalone own damage insurance if you already have an active third-party two wheeler insurance policy.
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Comprehensive Bike Insurance

Zero Depreciation Bike Insurance

A zero depreciation bike insurance policy is also known as a "Bumper-to-Bumper" policy. It ensures that no depreciation is deducted during accidental claim settlement. You receive the full cost of replaced parts, making it ideal for new bikes and high-end models.
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Comprehensive Bike Insurance

Personal Accident Cover

Personal Accident (PA) cover or Compulsory Personal Accident (CPA) cover in bike insurance is a mandatory add-on cover for all bike owners. Personal Accident (PA) Cover provides financial protection in case of death or permanent disability due to a road accident. It ensures your loved ones are financially secure even in unforeseen situations.
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Why Choose Policybazaar for Third-Party Bike Insurance?

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

Secure Your Ride Today – Buy Two Wheeler Insurance Online Today!

With Policybazaar.com, now compare plans, customise coverage with various add-ons, and buy or renew bike insurance online in just a few clicks. Enjoy a 100% paperless process, secure payments, and instant policy issuance, so you can focus on your journey.

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Bike Products Insurance Reviews & Ratings

4.7 / 5 (Based on 793 Reviews)
(Showing Newest 10 reviews)
Raghav
Delhi, August 30, 2024
★★★★★
True Saviour
I was riding home late at night when I lost control and hit my bike on something. My bike was severely damaged, but luckily, I had Reliance General Bike Insurance, which helped me get compensation for the repair costs.
Mayur
Ludhiyana, August 30, 2024
★★★★★
Natural Disaster Coverage
My bike was damaged during heavy rains and flooding in my area. I thought I would have to bear the cost, but on contacting the Policybazaar agent, I learned my SBI Bike Insurance covered the damages. The claim process was hassle-free.
Vinay
Agra, August 30, 2024
★★★★★
Quick Response
I had a misfortune incident when someone tried to steal my bike. Luckily, I learned about it, but the bike was damaged in the process. I filed a claim with my insurance, and the Policybazaar team handled everything quickly. The repair costs were covered, and I didn't have to worry about a thing with Digit Two Wheeler Insurance.
Nilesh
Phagwara, August 30, 2024
★★★★★
Simple Process
I recently purchased HDFC ERGO Two Wheeler Insurance through Policybazaar. I must say, the process is really simple and easy. Highly recommended.
Varun
Pune, August 30, 2024
★★★★★
All time Assistance
Working late one night, I had an accident on my return home. I called the bike insurance helpline number, and thankfully, they were available all time. I am really happy that I took the ICICI Lombard Two Wheeler plan through Policybazaar.
Sohail
Thane, August 30, 2024
★★★★★
Good Experience
I am really happy that I purchased TATA AIG Bike Insurance through Policybazaar. I was able to get the full claim when the bike was damaged in an accident. Thank you!
Pankaj
Mumbai, August 30, 2024
★★★★★
Timely Payout
With Kotak Mahindra Bike Insurance, I was able to get the timely payout when my bike was stolen. I could get a new bike without any financial stress.
Bhavesh
Lucknow, August 30, 2024
★★★★★
Covered Repair Costs
I was riding home late at night when I lost control and hit my bike on something. My bike was severely damaged, but luckily, I had Reliance General Bike Insurance, which helped me get compensation for the repair costs.
Nihal
Jharkhand, August 30, 2024
★★★★★
Big Relief
I had an accident when I was returning from my office. My bike was severely damaged. I'm really happy that the insurance covered all the repair costs, and I didn’t have to spend a penny from my pocket.
Rahul
Merath, August 30, 2024
★★★★★
Great Customer Support
I was unsure about the coverage options for my two wheeler but the customer service team at Policybazaar was very patient and helpful in answering my questions. They guided me through the process, and I’m now insured with National Two-Wheeler Insurance. It was a smooth experience from start to finish!
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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