Insurance is like a spare tyre. You may not require it, but not having one is not an option.
Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • Bankbazaar two wheeler insurance

    Two Wheeler Insurance

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    Two Wheeler Insurance Companies - An Overview

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    Smart buying tips for your Two Wheeler Insurance

    01
    Get Fully Covered

    Liability-only cover is mandatory for your Two Wheeler Insurance. However, this will not cover damage to your vehicle. Get a comprehensive policy that covers both personal injury and vehicle damage.

    02
    Be A Safe Rider

    Maintaining a clean riding record can help you get a better premium for your insurance policy. Insurers prefer low-risk riders with no history.

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    Your Two Wheeler Insurance premium is determined by

    01
    Make and Model

    Your two-wheele's make and model will have a major influence on the insurance premium. The more powerful your vehicle (more cubic capacity), the higher your premium will be. .

    02
    Registration City

    The city where a vehicle is registered also determines premiums. Two-Wheeler owners in metropolitan cities have to pay higher premiums since the possibility of vehicle thefts and accidents is higher.

    03
    No-Claim Bonus Percentage

    The insurance premium amount will always be low if you haven't made any claims in the previous year against your existing policy. So don't bother with those small claims.

    04
    Type of Cover Taken

    Additional protection such as collision cover or vandalism cover will increase your premium amount.

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    Cut your Two Wheeler Insurance costs with these expert tips!

    01
    You Snooze, You Lose

    Always renew your Two Wheeler Insurance before the due date to avoid a potential increase in premium cost or inconveniences such as vehicle inspections.

    02
    Don't Sweat the Small Stuff

    Making small claims for dents and scratches will push the premium amount up when you renew it the following year. This will result in you losing the no-claim bonus in the corresponding year.

    03
    The Net's Your Best Bet

    Buying Two Wheeler Insurance online will save you a pretty penny in processing and distribution costs and could fetch you more discounts than a direct purchase.

    03
    Go The Whole Hog

    Buying a comprehensive policy will cover all possible damage to you and your vehicle. Also, choosing to pay your premium in one go will help you grab lower premiums as opposed to monthly pay-outs.

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    Two Wheeler Insurance BYTES FROM OUR KITCHEN

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    • Royal Enfield Himalayan to be available in a new camouflage colour

      Royal Enfield has updated the Himalayan with a new camouflage colour scheme in shades of grey and white.

      The bike was previously available only in black or white. The bike will continue to use the 411 cc air-cooled engine that generates maximum power of 24.5 bhp at 6,500 rpm. The peak torque generated is 32 Nm at 4,250 rpm. The engine is coupled to a 5-speed gearbox as well. The company had released the fuel-injected version of the engine in September 2017 after the withdrawal of the model following the BS III vehicle ban. Royal Enfield has confirmed that the Himalayan with the fuel-injected engine is more refined and would pose fewer recurring problems for the user.

      The current ex-showroom price of the vehicle is Rs.1.68 lakh, and the new colour scheme is not expected to bring about a big difference in the cost.

      19th January 2018

    • Uninsured percentage rate to cause huge damage to IRDA

      As many surveys have suggested, as many as 75% of the two wheelers population that are traveling on Indian roads, are not insured. But, if this percentage increases or is constant till 2024-2025, then this could cost a loss of Rs. 52,000 crore to the IRDA and the government. For the year, 2015-2016 just the estimated loss from the third-party premium income was Rs.5,641 crore. So it is high time that the government takes necessary steps to reduce the percentage so that the loss is minimised.

      On the plus side, Tamil Nadu, Maharashtra, Uttar Pradesh, Karnataka and Kerala contribute nearly 50% of the profit in motor insurance policies. Which means that the remaining 24 states and 7 union territories contribute very minimum in making sure that the vehicles have insurance policy. It is high time that these states revisit their policies to make sure the loss in next 10 years is minimised.  

      18th January 2018

    • Ban imposed in Bengaluru and Mysuru on non ISI certified helmets

      The Mysuru and Bengaluru traffic police are taking to task riders who wear full-faced or half-faced helmets with no ISI certification. The traffic police has confirmed that only helmets with ISI marking will be allowed on the roads. Failure to abide by this requirement will invite a penalty of Rs.100 on the basis of traffic offense.

      Additionally, the traffic police will be taking strict action against people who sell non ISI marked helmets. The sale of such products is currently banned under Section 144 of the Code of Criminal Procedure, 1973.

      ISI certified helmets would conform to certain levels of quality and performance. In an ISI certified helmet, the retention system will be able to take a minimum load of 150kg. In comparison, the system of a non ISI certified helmet can only take a load of 10 kg. Such a helmet is much more likely to be rendered useless at the time of an emergency.

      15th January 2018

    • MotoGP To Have Its Own Electric Class From 2019

      From 2019, Electric motorbikes will have a MotoGP spec class piloted by Dorna, while Energica, the Italian electric bike brand will supply the race versions of its ‘Ego’ Model. The Ego weighs roughly 570 lbs which will be reduced to about 450 pounds in the racing version of the motorbike. With the improved aerodynamics of the bike, the bike will touch a top speed of around 200 mph. The Moto electric (Moto-e) will not certainly pose any threat to the existing MotoGP classes and will contribute to the development of sporting electric road models.

      3rd January 2018

    • Yamaha Conducting Feasibility Test To Launch Electric Two-Wheelers In India

      Japanese automaker Yamaha has been considering to launch electric two-wheelers in India and is conducting a feasibility research to analyse the possibilities. Yamaha has established itself as a reliable two-wheeler brand in India and is looking to invest in business opportunities associated with the production of batteries and power units for electricity based vehicles. The automaker is also analysing if electric vehicles can replace the traditional non-renewable fuel based vehicles in the future. As per the report by Rocky Mountain Institute and Niti Aayog, India’s initiative for 100% electric vehicles by the year 2030 can create a $300 billion market for EV batteries.

      28th December 2017

    • Honda Files Patent For Fuel Cell Two-Wheeler

      Honda is working on an advanced fuel cell technology in collaboration with Nissan and Toyota. Following Japan’s roadmap for hydrogen and fuel cells based vehicles, the partners, venture capitalists, and energy companies are working on to increase the number of hydrogen fuelling stations in Japan and to bring 40,000 hydrogen fuel cell vehicles on the roads by 2020. While Honda is yet to present a prototype, it has filed a patent which indicates progress in the direction. The fuel cell technology mixes hydrogen and oxygen from the air using a catalyst, and creates electricity for the vehicle.

      26th December 2017

    • Hero Electric Looks To Grow Its Sales By 10 Times In Next 5 Years

      The electric two-wheeler market in India is on a growth trajectory after witnessing a sluggish growth following the global financial crisis in 2010-11. Looking to bank on the increasing demand, Hero Electric is looking to grow its sales (including exports) by 10 times in next 5 years. To achieve its goal, it is looking to set up more assembly plants particularly in the western and southern parts of India. Hero Electric sold 15,000 units in the last financial year and envisions selling 25,000 units this year. The company’s Ludhiana plant currently has an annual capacity of 50,000 units.

      19th December 2017

    • The 2018 Version Of YZF-R1 Launched In India

      To strengthen its foothold in the superbike segment, India Yamaha Motor has recently unveiled the 2018 version of YZF-R1. The superbike inherits the technology from YZR-M1, Yamaha’s racing machine. It highlights advanced features such as quick shift gear system, an improved lift control system, and better aerodynamics. Powered by a 998cc, 4-cylinder, 4-valve, crossplane engine that generates 202.8PS without using ram air pressurisation, the 2018 YZF R1 has been priced Rs.20.73 lakh (Ex-showroom price, New Delhi). The latest R1 model can be availed in two colour shades – Tech Black and Yamaha Blue.

      14th December 2017

    • Two Wheeler Manufacturers Witness Double Digit Growth In Sales in November 2017

      Two-wheeler giants such as Bajaj, Suzuki, Honda, Royal Enfield and others posted a double-digit growth in sales in the month of November 2017. The growth has picked up after a slight decline in October. While major two-wheeler manufacturers witnessed a strong volume of sales in the festival season, the response in Diwali was not very impressive. However, major bike manufacturers have seen a considerable rise in sales last month as Bajaj, Suzuki, Honda Motorcycle & Scooter India (HMSI), TVS Motors, and Royal Enfield saw an increase of 11%, 37.1%, 41%, 11.1% and 22% in their sales respectively.

      7th December 2017

    • TVS Forays Into Super-Premium Motorcycle Segment With The Launch Of Apache RR 310

      The much awaited Apache RR 310 has been recently unveiled by TVS Motors in India. The newly launched premium motorcycle comes packed with the same engine as in the BMW G310 R. Being the first ever Indian brand to come with a reverse inclined engine, the bike churns out 34bhp at 9500 rpm and a maximum torque of 28 Nm at 7500 rpm. Apache RR 310 gets a single cylinder four stroke four valve 312 cc engine and a 6-speed gearbox. Bookings for Apache 310 will commence by the end of December.

      7th December 2017

    Customer Reviews

    • Liberty Videocon Two Wheeler Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken Two Wheeler Insurance with Liberty Videocon Insurance.I have it for last year.I pay a premium of 1500 in year.The payment is done through online.I get a good policy coverage amount of 50k.The customer service respond on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken Two Wheeler Insurance with Bajaj Allianz .I have it for the past few years.I pay a premium of 2000 one in a year,the payment is done through online.I get a good policy coverage amount up to 50,000.The customer service respond on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good"
      0.5 3.0/5 "Satisfactory"
      My two wheeler got insured with the ICICI Lombard general insurance company. I have not faced any such claims with them till now. Responsiveness and other things are really good one with the ICICI lombard general insurance company.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 20, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am having the two wheeler , which got insured with the ICICI Lombard general insurance company. Coverage value is good one and their responsiveness too. I would like to say that the customer service is also good too. I am really happy with them till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • Liberty Videocon Two Wheeler Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have insured my two wheeler with the Liberty videocon insurance company. I have not interacted with them and the coverage value is good too. Customer service is good one with the Liberty videocon. Everything is fine one for me with them till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good service"
      0.5 4.5/5 "Excellent!"
      I have taken a Two Wheeler Insurance with ICICI Lombard .The premium amount is minimum amount paid once in a year.I have been using the policy for more than few years.I get a good policy coverage amount .Online service is very comfortable to make the premium payment.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 19, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have a bike insurance with ICICI Lombard for past 2 years. It was a good experience. I never contacted the customer service. I have not read the benefits and the policy was taken by my Father. I pay around 1600 rupees yearly through cash.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 19, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have a two wheeler insurance with HDFC ERGO from last 2 years and it is a best insurance policy to use. I pay a premium of less than Rs 1500 which has to be paid every year for this insurance. I do not have claim experience with this insurance so far. I am happy with the coverage and benefits of this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 19, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Average service"
      0.5 2.5/5 "Just OK"
      I renew my two wheeler insurance policy with the ICICI LOMBARD GENERAL INSURANCE company. The customer support service is not up to the mark with ICICI LOMBARD GENERAL INSURANCE company.because they are not giving the initiations to renew the policy before the due date.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • New India Two Wheeler Insurance
      "Good insurance policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with New India Assurance from last 5-6 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 1200 for this insurance policy. I do not have claim experience so far with this insurance. I am happy with the coverage and benefits of this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • United India Two Wheeler Insurance
      "Best product for two wheeler insurance "
      0.5 5.0/5 "Blown Away!"
      I do have the two wheeler insurance policy with the United India Insurance company and I have not faced any claims with them till now. Coverage value is up to the mark and the premium value is lesser one for me . Its the good product.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 19, 2018
    • Liberty Videocon Two Wheeler Insurance
      "Need to explore"
      0.5 4.0/5 "Great!"
      I have insured my two wheeler with the Liberty videocon general insurance company. I have not contacted them till now. I would like to say that the coverage value is good and I have not faced any such claims with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 19, 2018
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