Two Wheeler Insurance Ratings
4.0 / 5.0 by 127 users

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 Two Wheeler Insurance Reviews

"Two wheeler insurance is always of one year tenure and have to renew it yearly. Special thing is that actually I did apply through online and got accidental policy and along with that got self insurance of 3lakhs by paying 200 extra, which is wonderful. I met with an accident last year where got the claim amount of four thousand and this is double of the premium. Really ICICI Lombard is good."

Data Sharan Burnwal, Gurgaon
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Why Two Wheeler Insurance?

Two wheeler insurance policies provide hassle free protection to your bike or scooter against physical damage, theft and third party liability.

Two Wheeler Insurance Providers

ICICI Lombard, Tata AIG, Bajaj Allianz & Reliance are the top Two Wheeler Insurance providers in India.

What is Covered?

Loss Of Or Damage To The Vehicle Insured due to Accident, Theft, Fire, Terrorism, Earthquake, etc
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Two Wheeler Insurance Overview

Two Wheeler Insurance 4.0 / 5.0 by 127 users  
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Two Wheeler Insurance India

You owe a responsibility towards your family, to keep them out of distressful and harm’s way; and the best way to do it is through an effective two wheeler insurance policy. Your Two Wheeler is about freedom and the two wheeler insurance policy has been designed to set you free. 2 wheeler insurance policies provide hassle free protection to your bike or scooter against physical damage, theft and third party liability.

Two wheeler insurance is one more type of popular auto insurance in India. It is governed by the Indian Motor Tariff. This insurance provides protection against natural and man made calamities like: fire, landslide, storm, flood, earthquake, burglary, theft, riots or any damage caused to the vehicle in transit by road, air, inland waterway or rail. Two wheeler insurance provides mandatory personal accident cover of Rs. 1 lakh to the insurer. This accident cover can also be opted for passengers. It also protects against legal liabilities arising due to third party’s injury/death or damage caused to its property.

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Two Wheeler Insurance FAQs

  1. What is a third party risk policy?
    It is mandatory for every motor vehicle owner to get a third party insurance cover. It covers the vehicle owners against Act Risks as per Section 146 of Motor Vehicles Act 1988. The scope of cover of the third party insurance is to pay compensation for death due to bodily injuries to third parties and also damage caused to the property of the third party excluding damage of your vehicle.

  2. What is NCB? Under what circumstances is NCB applicable and how does it benefit the vehicle owner?
    NCB is the short form of No Claim Bonus; it is rewarded to the owner of the vehicle who is also the policy holder for No Claim / Claims in the previous policy year. It can be accumulated over a period of time. If you have NCB you can avail a discount ranging from 20-50% on the Own Damage Premium.

  3. Should I make small claims?
    It sometimes makes sense not to make small claims. Ideally, whenever your car or two wheeler is damaged, get an estimate for the repairs. If the No Claim Bonus you stand to forfeit in the forthcoming year exceeds the estimate, it makes sense not to raise a claim and instead pay for the damage yourself.

  4. How can I reduce the insurance premium for my two wheeler?
    You can save on your motor insurance premium when you maintain a claim free record as the No Claim Bonus which you accumulate and get it translated into discount on the Own Damage Premium. Another way of reducing cost of premium is opting for voluntary excess, which means opting to bear a certain amount of loss from each claim.

  5. What if I have to make changes / endorsement in the policy?
    An endorsement is a written evidence of an agreed change to your policy. It is a document that incorporates changes in the terms of the policy. Any changes or alterations that you need to make can be done by way of an endorsement.

    An endorsement may be issued at the time of issuing the policy to provide additional benefits and cover (e.g. legal liability to driver) or to impose restrictions (e.g. accidental damage deductible).

    The wordings of those endorsements are provided by the insurance company. An endorsement may also be issued subsequently to record changes such as change of address, change of name, change of vehicle etc.

Two Wheeler Insurance Benefits & Coverage

Two Wheeler Insurance Benefits
  • Loss Of Or Damage To The Vehicle Insured due to Accident, Theft, Fire, Terrorism, Earthquake, etc
  • Liability To Third Parties
  • Personal Accident Cover For Owner-Drive
  • Access to thousands of network garages for cashless claim servicing across India
Two wheeler Insurance Exclusion policy
  • General Ageing, wear and tear
  • Damage by a person driving without a valid driving license
  • Mechanical or Electrical breakdown, failure
  • Damage by a person driving under the influence of Liquor/Alcohol/Drugs
  • Depreciation, any consequential loss
  • Loss/Damage attributable to War/Mutiny/Nuclear risks
  • Loss/Damage, outside India

Two Wheeler Insurance Claim Process

Two Wheeler Insurance Claim Process

In case of motor insurance claim, you can avail cashless facility for the repair of your vehicle in any of the cashless garage network of the isnurance provider. However, If the vehicle is serviced in a garage outside the purview of thier network, then you can claim reimbursement for the same.

In Case of an Accident
  • In Case of an Accident
  • In Case of an Accident
  • Contact the insurance provider & get your claim number / reference number.
  • File an FIR at the nearest police station in case of property damage, bodily injury, theft and major damages.

Two Wheeler Insurance Articles

  • What are Auto loans?
    Auto loans are loans offered to customers for the purpose of purchasing new vehicles and also refinancing old one. In India, auto loans fall into three different categories namely two wheeler loans, car loans and commercial vehicle loans.
  • Auto insurance add ons!
    Apart from the Loss to Vehicle and Third Party Cover, all insurance companies offer add-ons to the policy. These add-ons come at an extra premium and will give you extra cover.
  • Cut down your auto loan by Rs30,000-Rs50,000!
    Yes this can be possible. By zeroing on the best car loan deal and insurance policy you can cut you’re your car loan amount by Rs30,000-50,000. Just by looking around in the market as to what rates are the cars being offered can give you a pretty much good idea. Obviously, your salesman will give you an attractive deal on those shining and well polished you see at the car showroom. But what you have to understand Is that , the sales person will be earning about 2% commission on the car.
  • Tips to lower your auto insurance bill
    Apart from zeroing down on the best car loan deal, it is equally important to choose an appropriate auto insurance policy. We all know that, auto insurance is a mandatory legal requirement when you purchase your car. And there have been instances where you, as an insured, have been charged high premiums. But in these times of a de-tariffed era, there are several ways by which you can lower the premium rates offered to your by your insurers.

Two Wheeler Insurance Forum

   Two Wheeler Insurance Reviews
80 % of our customers would recommend this bank. (101 out of 127) Write Review
Customer Reviews
Page 1 of 7 1 2 3 4 5
  • Validated User
    (0)

    I am holding a Two Wheeler insurance from Oriental insurance. The response offered buy customer service executive is good . I don't have an option to make my payments online and I had to visit the company for making the payment. I would suggest them to keep up the good work.

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    's wiser about Two Wheeler Insurance from ORIENTAL INSURANCE Reviewed on
  • Validated User
    (0)

    Two wheeler insurance is always of one year tenure and have to renew it yearly. Special thing is that actually I did apply through online and got accidental policy and along with that got self insurance of 3lakhs by paying 200 extra, which is wonderful. I met with an accident last year where got the claim amount of four thousand and this is double of the premium. Really ICICI Lombard is good.

    Was this review helpful? Yes

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    's wiser about Two Wheeler Insurance from ICICI LOMBARD GENERAL INSURANCE Reviewed on
  • Validated User
    (0)

    Actually this is a third party insurance and they are covering third parties. We can renew and pay premium via online. Premium is very less in ICICI Lombard for two wheeler insurance in comparison to other insurance providers. Moreover it is zero dept policy.

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    's wiser about Two Wheeler Insurance from ICICI LOMBARD GENERAL INSURANCE Reviewed on
  • Validated User
    (0)

    I am holding a Two Wheeler insurance from Bajaj Alliance. The insurance completely covers the bike and also the opposite party. The services offered by the company are not upto the mark as initially when I tried calling them for the insurance the executives did not show much interest to collect the documents. I get this insurance renewed every year and it is through online.

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    's wiser about Two Wheeler Insurance from BAJAJ ALLIANZ GENERAL INSURANCE Reviewed on
  • Validated User
    (0)

    I am holding a Two Wheeler insurance from ICICI Lombard. I was able to easily get this insurance through online at just one click. Initially I had contacted the customer service executives over phone and they explained me clearly about the polices and the coverage. The insurance covers metal parts completely but they donâ??t cover the fiber parts. Depending upon the accident they evaluate the amount. The best part is in case if there is no claim for the particular year then 20 % of premium gets reduced.

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    's wiser about Two Wheeler Insurance from ICICI LOMBARD GENERAL INSURANCE Reviewed on
  • Validated User
    (0)

    I hold a two wheeler Insurance with ICICI Lombard and I am very happy with the service I avail from them.Its a zero dept coverage and my vehicle is totally covered. There is no exception parts they give total coverage for the vehicle.I got a clear information about the insurance process from the agent I am happy about the same.I use to renew the insurance yearly by paying a premium amount. I will surely recommend this insurance to my friends because I didnâ??t face any drawback with them.

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    's wiser about Two Wheeler Insurance from ICICI LOMBARD GENERAL INSURANCE Reviewed on
  • Validated User
    (0)

    I am holding a third party insurance from Bajaj Alliance and it is for my Two Wheeler. It covers only the vehicle and the opposite party and it doesnâ??t covers me. I make my payments half yearly once. I would not recommended any of my friends as there are other better insurance available in the market for the Two Wheelers with better benefits.

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    's wiser about Two Wheeler Insurance from BAJAJ ALLIANZ GENERAL INSURANCE Reviewed on
  • Validated User
    (0)

    I am having a Two Wheeler insurance from ICICI Lombard. I do the renewal online and their online portal is self sufficient and explanatory as I donâ??t have the need to contact the customer care executives. It has got accidental coverage and also third party insurance is provided. They email me the insurance copy in both hard copy and soft copy format.

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    's wiser about Two Wheeler Insurance from ICICI LOMBARD GENERAL INSURANCE Reviewed on
  • Validated User
    (0)

    I am having a Two Wheeler insurance from Reliance. I just got a cal from the company and I had taken this insurance. The insurance covers me and the vehicle and it has got accidental coverage as well. Three is an option for third party insurance in the website but I have not taken. Its valued for the premium paying.

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    's wiser about Two Wheeler Insurance from RELIANCE GENERAL INSURANCE Reviewed on
  • Validated User
    (0)

    The services offered by Oriental Insurance is good for my Two Wheeler. The insurance covers me and my vehicle and also the opposite rider and full amount is been covered by insurance. I make my payments annually once and I visit the branch everytime to make payments. It would be nice if there is an online facility available to make my payments.

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    's wiser about Two Wheeler Insurance from ORIENTAL INSURANCE Reviewed on
  • Validated User
    (0)

    I have taken a Two Wheeler insurance from New India Assurance. It was provided to me along with the Two wheeler I have taken. I make my payments once in a year and I renew it every year. My claim experience is good for the head lamp damage as they had done it on a free of cost.

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    's wiser about Two Wheeler Insurance from NEW INDIA ASSURANCE Reviewed on
  • Validated User
    (0)

    I hold two wheeler Insurance with Oriental Insurance and I am very happy about the same. I have not contacted the customer service and I got this Insurance through my motor dealer and the Insurance have general coverage. It covers all parts of the vehicle and they do cover accidental coverage as well.I use to renew my vehicle Insurance yearly by paying a premium of 1100Rs.I will surely recommend this Insurance to my friends.

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    's wiser about Two Wheeler Insurance from ORIENTAL INSURANCE Reviewed on
Customer Reviews
Page 1 of 7 1 2 3 4 5

Interest Rates

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