This Page is BLOCKED as it is using Iframes.
 Two Wheeler Insurance Ratings
4.0 / 5.0 by 49 users

Plan Benefits

Policy Coverage

Customer Service

Claim Experience

 Two Wheeler Insurance Reviews

"Till now I never claimed as it came along with my two wheeler and just renewing it yearly. I just visit the agent to renew the two wheeler insurance. I guess, New India Assurance is offering coverage of 1lakh to the driver. I am looking for less premium so great if insurance companies reduce the premium amount. "

Ramnath Kanagpura, Hyderabad
More Reviews

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
Secure & Safe

Two Wheeler Insurance

Learn about Two Wheeler Insurance

Two Wheeler Insurance Overview

Two Wheeler Insurance 4.0 / 5.0 by 49 users  
Used this product? Write a review »
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.

You Might Also Be Interested In...
Car Insurance Online

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
78 % of our customers would recommend this bank. (38 out of 49) Write Review
Customer Reviews
Page 1 of 3 1 2 3
  • Validated User
    (0)

    I had a worst experience with Bajaj Alliance. There are only limited branches for the company and every time I had to make the payments through agents for which I had to pay extra. Earlier I had to visit the branch and make payments but now its improved that I can make through online. If in case of accidents I will be provided with 60% of reimbursements. It would be better if they increase the number of branches.

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Plan Benefits
    Policy Coverage
    Customer Service
    Claim Experience
    's wiser about Two Wheeler Insurance from BAJAJ ALLIANZ GENERAL INSURANCE Reviewed on
  • Validated User
    (0)

    Every year I renew the plan and having three two wheeler insurance policies with ICICI Lombard but not yet done any claim. Response is not proper so it should be enhanced. I was told that the coverage would be of 90% but when I tried claiming they did not give that much percentage. When I inquired about the same, they mentioned that, 90% of coverage is possible only we claim in first three years, which was not informed to me in prior. Suggesting officers to inform the terms and conditions transparently in precise.

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Plan Benefits
    Policy Coverage
    Customer Service
    Claim Experience
    's wiser about Two Wheeler Insurance from ICICI LOMBARD GENERAL INSURANCE Reviewed on
  • Validated User
    (0)

    Till now I never claimed as it came along with my two wheeler and just renewing it yearly. I just visit the agent to renew the two wheeler insurance. I guess, New India Assurance is offering coverage of 1lakh to the driver. I am looking for less premium so great if insurance companies reduce the premium amount.

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Plan Benefits
    Policy Coverage
    Customer Service
    Claim Experience
    's wiser about Two Wheeler Insurance from NEW INDIA ASSURANCE Reviewed on
  • Validated User
    (1)

    The Four Wheeler insurance which I am holding from ICICI Lombard was quiet okay. The policy coverage provided by the bank was absolutely fine. Recently I met with an accident and I had claimed for insurance. I would say that its not that easy to claim as it took nearly 10 business days and I did not get the full amount as I had to pay 30% from my hand in spite of the Zero Depreciation plan I had taken from them. One thing which I didnt like was during my hospitalization they had contacted my dad for the investigation process and they did ask him lot of questions.

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Plan Benefits
    Policy Coverage
    Customer Service
    Claim Experience
    's wiser about Two Wheeler Insurance from ICICI LOMBARD GENERAL INSURANCE Reviewed on
  • Validated User
    (1)

    I have taken a two wheeler insurance with ICICI Lombard. I had paid more premium more than the actually one. I had no other option expect for accepting that as my old premium got expired. The only drawback here is, ICICI Lombard has outsourced that to some third party and they have to tried to collect certain additional fee apart from the premium amount and I have paid that amount to the vendor.

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Plan Benefits
    Policy Coverage
    Customer Service
    Claim Experience
    's wiser about Two Wheeler Insurance from ICICI LOMBARD GENERAL INSURANCE Reviewed on
  • Validated User
    (0)

    TATA AIG Two wheeler loan is good. They have to improve on claim ratio. I pay about rs 1500 per annum and I did not face any issues till now. This policy was taken before 1 year. They only asked for my RC book they did not bother me much by asking many documents.

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Plan Benefits
    Policy Coverage
    Customer Service
    Claim Experience
    's wiser about Two Wheeler Insurance from TATA AIG GENERAL INSURANCE Reviewed on
  • Validated User
    (0)

    There is no specific reason to choose two wheeler insurance with National Insurance as one of my friends suggested. Basically this is simple and general insurance with convenient plan but not such extra benefit however it cover risk of accident. Maximum coverage will depends on IDB, ie., actual cost of vehicle subject to 1lakh.

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Plan Benefits
    Policy Coverage
    Customer Service
    Claim Experience
    's wiser about Two Wheeler Insurance from NATIONAL INSURANCE Reviewed on
  • Validated User
    (0)

    I am having a Two Wheeler insurance from United India Assurance. It was pretty simple and it took only 15 minutes of my time to process the insurance. I opted for United India Assurance because I already had a Two Wheeler loan from them and I am also familiar with their location.

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Plan Benefits
    Policy Coverage
    Customer Service
    Claim Experience
    's wiser about Two Wheeler Insurance from UNITED INDIA INSURANCE Reviewed on
  • Validated User
    (1)

    Yet to experience a lot with United India insurance as I am very new to their services. The branch is nearest to my place that the reason I have chosen United India for two wheeler insurance. I never interacted much with the employees as I met the agent and submitted all documents to things get done. Plan benefits and coverage is good.

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Plan Benefits
    Policy Coverage
    Customer Service
    Claim Experience
    's wiser about Two Wheeler Insurance from UNITED INDIA INSURANCE Reviewed on
  • Validated User
    (0)

    I had taken a Two Wheeler insurance from Bajaj Alliance. Its a very good service provided by them. If there is a delay in paying my due or if I forget to make my monthly due the agent comes and collect the due amount at my doorstep without any extra charges. Its a 1 year policy coverage . Incase of any accidents the insurance covers both the parties involved in the accidents Its actually good for two wheelers.

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Plan Benefits
    Policy Coverage
    Customer Service
    Claim Experience
    's wiser about Two Wheeler Insurance from BAJAJ ALLIANZ GENERAL INSURANCE Reviewed on
  • Validated User
    (0)

    I am maintaining two wheeler insurance for a long period of 15 years but till date never experienced claim. Actually this is primary plan with United India Insurance and payment is once in a year. Premium is less where I am paying 600 by visiting nearest branch and the employees assisting me to complete the process in 15 minutes so very happy about their service.

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Plan Benefits
    Policy Coverage
    Customer Service
    Claim Experience
    's wiser about Two Wheeler Insurance from UNITED INDIA INSURANCE Reviewed on
  • Validated User
    (0)

    Renewing insurance through online and infact I did claim for minor accident and ICICI Lombard had reimbursed the amount in 4 days. Whatever the promises that made were fulfilled. No particular reason to maintain two wheeler insurance since 2009 however I am comfortable of online transaction. I pay payment via online and get receipt over courier. Name of the plan, I think as comprehensive.

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Plan Benefits
    Policy Coverage
    Customer Service
    Claim Experience
    's wiser about Two Wheeler Insurance from ICICI LOMBARD GENERAL INSURANCE Reviewed on
Customer Reviews
Page 1 of 3 1 2 3

Interest Rates

We're sorry. No offers were found. Based on your information, we are unable to find you an offer from any of our insurance partners. We invite you to return to BankBazaar.com to get an insurance for any of your other car Thank you for your using BankBazaar.com
reTH65gcmBgCJ7k - pingdom check string.