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  • Two Wheeler Insurance

    Bankbazaar Two Wheeler Insurance
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    With insurance being mandatory for all two wheelers, shopping for the perfect policy that meets all their needs and also doesn’t break the bank premium-wise is at the top of a bike/scooter owner’s mind.

    After looking at insurance policies and reading the fine print to narrow down on the one that suits a customer’s needs, he/she will have to also consider how to pay for the policy.

    Insurance companies have come to the rescue through two wheeler insurance premium calculators, which allow customers to ascertain the amount they would have to pay towards the insurance premium.

    Insurance premiums have been on the upswing and get more expensive with each passing year, making this a very handy and helpful tool.

    Premium calculators also allow the customer to get multiple quotes, enabling him to make an informed choice taking into account the cost of the policy as well as its features.

    Two wheeler Insurance premium calculator operates on a simple premise, where certain information is to be inputted, based on which the calculator will display the premium cost.

    A number of insurance companies have online premium calculators, making it easy for customers to access this information wherever they are.

    A premium calculator will require the following information:

    • Make and variant of the two wheeler.
    • Existing policy information (if already insured).
    • Vehicle registration number.
    • Type of policy (liability only/comprehensive).

    Based on the above, the calculator will generate a quote as per the information provided.

    It is to be noted that in case of riders being added to the policy, the premium amount will increase commensurate to the rider premium to be paid.

    When looking for a bike insurance plan, the premium amount is something that most customers base their purchase on. Insurance companies issue premium quotes for liability only as well as comprehensive insurance policies. Certain factors play a key role in the calculation of the final quote and insurance premium to be paid. Given below are the 5 major factors affecting two wheeler insurance that insurance companies take into account when calculating a premium quote:

    • Vehicle type: the two wheeler vehicle type is measured by its cubic capacity (cc). Two wheelers are classified into 3 categories with regard to the cubic capacity of a vehicle- 0-150 cc, 150-350 cc and above 350 cc. The higher the two wheeler’s cc, the higher the premium to be paid.
    • Geographical area: premium rates are governed by geographical area, with certain areas like metro cities attracting a higher premium. Living or working in an area prone to theft and vandalism would also result in a higher premium.
    • Type of coverage: the coverage being opted for also determines the premium amount, with liability only (or third party insurance) being relatively cheaper than comprehensive insurance.
    • Applicant demographics: some insurance companies look at the applicant’s age, gender and marital status when calculating premium, on the understanding that a middle-aged applicant is less likely to be a speed demon and would possess better riding skills, thereby resulting in lower risk for the insurer.
    • Past insurance record and history: applicable in case of a policy renewal, the past insurance record and riding history such as accidents, number of insurance claims etc. are considered at the time of premium calculation.

    Owning a two wheeler in India requires one to buy insurance for the vehicle. Most two wheeler insurance policies are for a 1 year period, meaning owners have to renew premiums each year. With the rising cost of premiums, this results in a significant dent in finances.

    Shopping for a good two wheeler insurance policy that offers the requisite amount of coverage and is affordable is not always easy, but there are ways to get the cover required without having to pay a hefty sum for it.

    Given below are some ways to reduce bike insurance premium without sacrificing on the insurance coverage:

    Ensure a clean riding record: the safer the rider, the lower the premium. Insurers prefer riders who are less likely to make a claim or be involved in an accident. No insurer wants to keep paying for damages due to collisions or accidents and companies reward customers who have maintained a clean riding record with lower premiums.

    Riding association: members of riding associations enjoy additional discounts on insurance premiums by virtue of their memberships, with some insurers waiving off up to 5% of the premium amount.

    Enhance vehicle’s security: protecting the insured vehicle against theft and burglary results in a lowering of the premium amount payable as there is a lesser likelihood of the vehicle being stolen or vandalised. Invest in ARAI-approved security features to be eligible for lower insurance premiums.

    Avoid small claims: scratched the paintwork or dented the metalwork? Avoid filing a claim for such repairs as insurers pay big rewards to customers who do not file a claim during the policy tenure. Minor repair work can be funded by the owner, thus increasing the chances of receiving a discount on the next year’s premium through No Claim Bonus.

    One-time payment: paying the premium amount in full at the time of buying the policy could result in savings. Some insurers charge a lower amount if customers pay the entire premium amount at one go instead of opting to pay in instalments.

    Bundle policies: insurers are more likely to provide a discount if customers buy more than one policy from them. If possible, explore other insurance options from the same insurer such as auto insurance, home insurance etc. to avail a discount on the premium amount.

    Having bought a two wheeler insurance policy, two wheeler owners have to ensure they renew the policies regularly to avoid penalties or fines. Most two wheeler insurance policies are renewable annually, meaning vehicle owners have to keep track of policies and renew them before they lapse. You can also renew lapsed two wheeler insurance policy.

    Nowadays, multi-year two wheeler insurance policies are also gaining in popularity, with policy tenures of up to 3 years. You can opt for long term two wheeler insurance policy.

    In both cases, though, the policy has to be renewed or a fresh policy has to be purchased from another insurer.

    The hassle of long queues or spending half the day at the insurance company’s office with a large sheaf of documents is a thing of the past now.

    With online transactions becoming the norm nowadays, insurance companies too have streamlined their processes, allowing customers to buy and renew insurance products online.

    Most insurance companies offer online renewal of two wheeler insurance policies, with many also setting reminders so customers do not miss renewal deadlines, which could cause them inconvenience.

    Two wheeler insurance renewal online can be done in a few minutes, and is a quick and efficient way to stay insured. Customers have to merely log in to their insurance company’s website and initiate the renewal process.

    Customers can opt to change their coverage type as well, depending on their coverage requirements.

    Information such as the existing policy number, policy type, vehicle registration number and owner details would have to be provided for verification and authentication purposes.

    Once the policy has been selected, the premium can be paid through net banking, debit/credit card.

    Once the payment has been realised, an acknowledgement will be sent to the customer within a matter of minutes.

    The new policy can also be saved/downloaded or printed, providing the owner a ready reference to the terms, if required.

    An additional hard copy will also be mailed to the policyholder by the insurance company.

    Policy Coverage Two Wheeler Insurance
    Personal Accident Cover Yes
    Third party liability Yes
    Damage/loss due to natural calamities Yes
    Damage/loss due to man-made reasons Yes
    Damage/loss due to driver being intoxicated No
    Damage to tyres and tubes No
    Regular wear and tear No
    Depreciation or consequential loss No
    Damage/injury caused by rider without a valid license No
    Damage/loss due to war, mutiny, nuclear energy causes No

    A good insurance policy is an effective shield against the uncertainties of life. A good 2 wheeler insurance is solid protection against a number of unexpected events that negatively impact your bike or scooter. What are these ‘events’ against which your vehicle holds protective coverage?

    The primary list is as follows-

    • Damage or Loss of Vehicle due to Natural Reasons- These include fire, self-ignition, lightning, flood, cyclone, landslide, earthquake, frost, inundation, etc.
    • Damage or Loss of Vehicle due to Man-made Reasons- These include theft, riot, strike, terrorist activity, malicious acts, damage caused when transported by road, rail, elevator, etc.
    • Personal Accident Cover- The applicable conditions include injuries caused when driving, travelling on, mounting and/or dismounting from the 2 wheeler. The coverage amount ranges upto Rs.1 lakh. Also, this cover is available to co-passengers as an option.
    • Third Party Liability- This coverage applies in cases wherein your two wheeler was involved in or caused an accident that resulted in the injury, death and/or damage to third party. This coverage isn’t applicable to you, but the unfortunate victim of an accident that involves your two wheeler.

    The following conditions aren’t usually covered as per the bike insurance coverage:

    Kindly note that this is a generalized list, and banks in their own capacity can impose additional exclusions.

    • Depreciation or any consequential loss.
    • Breakdown of the mechanical or electrical nature.
    • Normal wear and tear due to normal usage and ageing of the vehicle.
    • 2 Wheeler being used in ways that violates the terms set in the limitations as to use.
    • Injury to driver and/or damage to vehicle when driven without a valid license.

    When looking for insurance cover for two wheelers, customers can choose between liability only and comprehensive cover. So what is the difference between the two types of cover, and which of the two is better suited to provide protection? The type of insurance would depend on the individual buyer and his needs.

    • Liability Only Policy: a liability only policy would provide basic protection that is mandated by law. This protection extends only to the third party and will cover the cost of any damage, partial or permanent that could arise due to an accident on incident involving the insured two wheeler.

    Liability only policies also offer personal accident cover for the owner up to a fixed amount in the event of an accident leading to a partial or total disability or resulting in the owner’s death.

    However, in the case of any damage to the insured vehicle, the insurance company is not liable to pay for any repairs or cover any costs associated with the vehicle.

    • Comprehensive Policy: on the other hand, a comprehensive policy provides protection in the event of any damage done to the vehicle as a result of an accident, natural or man-made calamity as defined in the policy document.

    A comprehensive insurance policy also provides insurance coverage to the owner and co-rider in case of partial or total disability or death.

    Comprehensive insurance policies cover minor as well as major damage to the vehicle due to unforeseen circumstances as well as total loss of the two wheeler due to the circumstances covered in the policy document.

    Thus, a liability only policy provides financial protection in case of injury or damage to a third party or the third party’s property while a comprehensive insurance policy covers everything from repairs to personal accident coverage for the owner.

    Compare and Choose Best Two Wheeler Insurance Policy

    With no dearth of two wheeler insurance policies from which to choose from, a vehicle owner could end up swimming in policy terms and benefits for days on end while trying to research the perfect policy. Given below is a representative list of some of the more popular and benefit-rich best two wheeler insurance policies currently available.

    Bajaj Allianz: Bajaj Allianz offer customers comprehensive coverage at an affordable cost. Customers can opt for an annual policy or a 3 year policy. Customers can enjoy instant claims assistance and a transfer of up to 50% of the No Claim Bonus from any other insurer as well as a hassle-free and smooth claims service.

    Tata AIG: one of the largest insurers in India, Tata AIG offers customers free vehicle pick up in the event of an accident and provides a 6 month guarantee for accident repairs done at their network garages. Additionally, they assure 7 day claim settlement as well as provide complete protection in case of natural or man-made calamities.

    ICICI Lombard: with over 2,900 partner garages across India, ICICI Lombard assures customers of service no matter where they are. The company provides premium discounts to Automobile Association members and policy tenures up to 3 years. With a number of add-on covers at a nominal additional charge, ensure rider and vehicle safety.

    New India Assurance: with a high claim settlement ratio and a large partner garage network, New India Assurance guarantees quick claim settlement and an array of add-on covers to keep both vehicle and rider safe and secure.

    Buying two wheeler insurance used to consist of visiting various insurance companies and submitting scores of documents to get quotes and finally comparing the quotes and repeating the process to purchase a policy. However this is a thing of the past thanks to online insurance.

    Insurance companies now offer two wheeler insurance policies online at the tap of a few buttons with the entire process being facilitated online. Thus, customers can look up policy types, scan through each policy’s features and benefits, submit their documents as well as pay for the policy all from the comfort of their home. Buying a fresh policy can be done by entering the relevant information such as the vehicle registration number, owner’s details and any other information required by the insurer. The premium payable will be reflected on screen and the customer will be provided an option to choose the policy type and any add-on covers, if desired.

    On selection, the required documentation can be uploaded or will be collected from the customer’s place of residence/work and processed and the policy can be purchased hassle-free.

    Buying a bike insurance policy online has a number of advantages attached to it, as given below:

    • Convenience: customers can look for policies whenever and wherever they are at their convenience.
    • Accessibility: with insurance companies putting up all policy related documentation online, customers can go through the policy minutiae at their leisure and make an informed choice.
    • Ease of use: online policies are simple to buy, with insurers outlining the buying process in simple and easy-to-follow steps.
    • Ease of purchase: customers can pay for their policy or policy renewal online through net banking, credit or debit card, making it an instant payment.
    • Secure: the online insurance purchase process is safe and secure, with companies providing a secure payment gateway and encryption to ensure the complete security of any online transaction made.
    • Assistance: insurance companies offer online assistance through customer service and live chat to customers who might have any queries regarding the insurance purchase or policy.

    In the event that the policyholder meets with an accident or wishes to file a claim, there is a set process which is to be followed.

    A claim is an intimation sent to the insurer notifying them of an accident, injury or activity that involves the insured vehicle for which the insurer is to extend financial support to cover.

    Insurance companies have outlined the claim process in simple, easy-to-follow steps to ensure policyholders can file their claims in a convenient and hassle-free manner. Insurance companies have also speeded up the claims process so customers are not left languishing waiting for a decision on their claim.

    Claims can be filed for accidents, breakdown/mechanical failure or damage to the vehicle provided it is covered under the policy.

    The claims process consists of the following:

    • Reporting of the claim to the insurance company.
    • Filing of the claim form and documentation related to the claim.
    • Verification and processing of the claim form.
    • Approval and release of payment.

    When filing a claim, the customer is required to follow the steps mentioned below:

    • In case of theft, an FIR is to be filed detailing the extent of the theft (parts, cost etc.)
    • In the event of an accident involving the insured vehicle, the owner is required to call the 24X7 customer support number provided by the insurer.
    • The accident is to be reported and any injured parties or property damage is to be noted as details of the same have to be shared with the insurer.
    • The customer service executive will note down relevant information and provide a tracking number, which is to be used when filing the claim. In case of damage to the vehicle, information on network garages/hospitals will be provided.
    • In the event of property damage/injury to a third party due to the insured vehicle, an FIR is to be filed at the nearest police station.
    • The insurer will then contact the owner of the vehicle and notify him/her of the procedure.
    • A verification call will be made and any additional information regarding the incident is to be relayed.
    • A claim form (available online/at the insurer’s branches) is to be filled in mentioning details of the incident with documentation attached.
    • Documents in the form of the vehicle’s registration certificate, the rider’s driving licence, an FIR copy (if applicable) are to be submitted along with the claim form.
    • If a third party has registered a complaint, documents pertaining to the complaint such as a legal notice are to be submitted as well.
    • An expert from the insurance company will perform an assessment and the claim will be approved based on this assessment.
    • Following verification, the insurance company will process the claim and release payment for the repairs directly to the garage and any other expenses arising out the accident to the relevant parties.
    1. How can I check the status of my two wheeler insurance policy?

      The status of a two wheeler insurance policy can be checked through the website of the insurance company or by contacting a branch and providing details such as the policy number, policyholder’s name etc.

    2. What is the fine for riding without valid two wheeler insurance?

      Using an uninsured two wheeler or one whose insurance has lapsed will result in a fine of Rs.1,000.

    3. What is the validity of a two wheeler insurance policy?

      A two wheeler insurance policy is valid for 1 year, 2 years or 3 years depending on the tenure of the selected policy.

    4. How to renew expired two wheeler insurance?

      Expired two wheeler insurance can be renewed by choosing a two wheeler insurance policy, having the vehicle inspected, filling the form and paying the requisite premium.

    5. Can I buy a 2 wheeler insurance policy for a vehicle that doesn’t belong to me?

      Yes. Anyone can buy a two wheeler insurance online, or from an offline source, for a vehicle that may not necessarily be their own.

    6. Are modified 2 wheelers eligible for such insurance policies?

      When it comes to modified 2 wheelers, the 2 wheeler insurance only applies to vehicles that have been modified for use by handicapped individuals. In such instances, a discount of 50% is applicable on the own-damage premiums, as offered by many Indian insurers.

    7. What are the factors that impact the applicable 2 wheeler insurance premium amounts?

      • Type of 2 wheeler
      • Age of the vehicle
      • City where registered
      • Coverage period (when <12 months)
      • Any applicable discounts
    8. When must I report an accident to the police?

      Incidents that resulted in third party property damage, bodily injury to self, bodily injury or death of third party and theft must be reported to the nearest police station and an FIR generated. This document will be crucial in the ensuing claim process.

    9. If I have to take a two wheeler insurance policy, what documents will i be required to submit?

      If you wish to buy a two wheeler policy online, there is only minimum documentation which you are required to provide. You will be required to provide the details of your previous two wheeler insurance policy, the Registration Certificate details of your vehicle.

    10. What do you mean by a No Claim Bonus (NCB)?

      An insurance policy holder, you are entitled to a No Claim Bonus (NCB) only at the time of renewal of your policy, after it has expired following a full 12 month period. In case you have not made any claims on your policy while it was active, you are entitled to a No Claim Bonus, which will be provided to you based on a pre-determined tariff. You can earn a No Claim Bonus on the Own Damage section of your policy which covers all classes of vehicles. NCB is not applicable on Motor Trade Policies which cover road transit risks, road risks, and internal risks. Also, it is not applicable on motor policies which only provide cover against fire or theft related risks.

    11. Can I get a copy of my TWI policy online? If yes, will that soft copy of the policy serve as a valid / original insurance document?

      Many insurance providers now allow customers to apply and generate a policy online. If you have applied for your policy online, you can easily log on to the insurance provider's website and click on your profile. Here, a soft copy of your insurance policy will be available which will also serve as a valid policy document.

    12. What are the various scenarios / circumstances under which I can make a Personal Accident Claim?

      A policy holder can generally make a Personal Accident Claim only if the policy is in their (policy holder's) name, making the policy holder the registered owner of the vehicle and has a paid driver / unnamed passenger / owner-driver Cover.

    13. What are some of the primary factors which will affect or help reduce my Two Wheeler Insurance premium?

      Some of the common factors which canaffect or reduce your two wheeler policy premium are:

      • Add-on covers taken over the policy
      • Whether you have taken a Comprehensive Cover or Third Party Cover
      • Vehicle's Cubic Capacity (CC)
      • Vehicle Model type
      • Place of Registration (Zone A / Zone B)
      • Age of the vehicle
      • Insured Declared Value (IDV) i.e. the present market value of the vehicle.
    14. What do you mean by Cashless and Non-­cashless / Reimbursement claim?

      A Cashless Claim does not involve any physical exchange of cash during claim settlement. The insurance company directly pays the garage (if it is under the insurer's garage network) for the charges involved in the repair of the vehicle.

      A Non-Cashless / Reimbursement Claim is one where the policy holder has chosen a garage which is not part of the insurer's listed network of garages. Here, the policy holder will be required to make bear the cost of repairs done to the vehicle, which will be later re-imbursed to the policy holder by the insurance provider, on submission of the original receipts or bills.

    15. I have purchased accessories for my vehicle while my policy is underway. Can I get these accessories insured between the ongoing policy term?

      Yes, insurance providers usually allow policy holders to obtain additional cover for any accessories which may have been fitted later on. All you need to do is send your insurance provider a written request for the same and also share the details of the accessories which you have gotten fitted. Cover for accessories is likely to add to your existing premium cost.

    16. What is meant by Total Constructive Loss in Two Wheeler Insurance?

      In case of an accident where repairs to the vehicle cost more than the present value of the vehicle itself, such an event is termed as a Constructive Total Loss.

    17. Can I make a claim, for an event that has taken place during the term of the policy, after the policy has expired? Will the claim be valid?

      Yes, you will be eligible to make a claim even if your policy has expired, if the damage took place during the policy tenure.

    18. What do you mean by Nil Depreciation?

      Nil Depreciation is a special component of motor insurance policies wherein the cover entitles you to a full (100%) replacement on the parts of the vehicle which have undergone depreciation at the time of settlement of the claim. This does not include tyres and tubes. Nil Depreciation cover may be provided by the insurer only on select models of vehicles, with/without an age limit.

    19. Following an accident, my vehicle has not sustained any serious damage. What would I gain if I do not file for a claim in this case where the damages are not serious?

      If the damage sustained by your vehicle following an accident is minimal, it is advisable not to make a claim as it will help contribute towards obtaining a No Claim Bonus for a claim-free year. Further down the line, if you haven't made any claim on your insurance policy for a few years, it can reduce your insurance premium by half.

    20. How will my Two Wheeler policy be affected if I change my job or change my location?

      If you plan to move to another location or change your job, your insurance policy remains more or less unaffected. You will need to provide your insurance provider with the updated details regarding your job, address, contact details, etc. Also, another thing which might change is your insurance premium. Insurance premiums are determined, among other factors, on the basis of the zone of the vehicle. All major metro cities like Mumbai, Pune, Delhi, Hyderabad, Bangalore, Kolkata, Ahmedabad, and Chennai are categorized as Zone A cities. Rest of the cities are categorized under Zone B. So, in case you are moving from a Zone b city to a Zone A city, then your insurance premium is likely to increase.

    21. In 2 wheeler insurance terms, what is meant by electrical and non­electrical accessories in ? How is their value calculated?

      Electrical accessories may be defined as any accessories which are powered electronically. Electrical accessories which are not part of the vehicle's standard equipment and have been fitted additionally, can be easily covered by payment of an extra premium.

      Non-electrical accessories may include accessories like seat covers, foot rests, etc., which are not factory fitted. These can also be covered on the payment of an extra premium.

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    • Colonial Motors (Ceylon) Limited to sell Aprilia and Vespa two-wheelers

      Colonial Motors (Ceylon) Limited, a CM Holdings PLC subsidiary, is soon going to import and sell Aprilia and Vespa two-wheelers manufactured by Piaggio, an Italian auto company. Colonial Motors signed a distribution agreement with Piaggio Vehicles (Pvt) Limited, the fully owned India subsidiary of Piaggio. This agreement was signed in order to sell these vehicles in Sri Lanka. Colonial Motors has the authority to distribute even Mazda vehicles in Maldives as well as Sri Lanka.

      25th May 2017

    • IIT-KGP to roll out solar powered two-wheelers

      STEP Managing Director Prof Satyahari Dey, IIT-KGP are all set to launch solar powered two-wheelers, chargers, power saving devices, safety sensors and traffic sensors for school children. Commenting on the project, Dey said that the Arka Renewable Energy College led by Professor S P Gon Chaudhuri and IIT-KGP will soon launch the solar panel for charging vehicles called e-bike. He added by saying that the concept will be extended to three-wheeler e-rickshaws and can be of great help to the public.

      24th May 2017

    • Ducati to soon launch Monster 797 and Multistrada 950 bikes in India

      Ducati is expected to launch two entry level bikes, Monster 797 and Multistrada 950 in India by mid-June. The new motorcycles are introduced with an aim to expand the company’s portfolio in India. The two bikes were unveiled at the EICMA show last year. Monster 797 and Multistrada 950 come with an ex-showroom price of Rs.7.8 lakhs and Rs.11.5 lakhs respectively. Reports also suggest that Ducati will launch a total of five new bikes in India, in 2017. With these launches Ducati will make available its global lineup in India.

      24th May 2017

    • Two New Motorbikes to be Launched by Aprilia by Mid 2017

      Autocar India released a report recently in which it revealed that Aprilia will be launching two new motorbikes in India between July and August. The two bikes in question are the Dorsoduro 900 and the Shiver 900. Both of the bikes were released worldwide earlier in 2017 as the company looked to replace the 750 variants of the Dorsoduro as well as the Shiver. The Dorsoduro can already be purchased in India in a 1200 cc variant. The bike is powered by V-twin engines of 896cc and offer 95.2hp at 8750 rpm as well as 90nm at 6500 rpm. The price of both the bikes is expected to be somewhere between Rs.13 and Rs.14 lakhs.

      23rd May 2017

    • TVS launches the BS IV compliant TVS Zest

      The latest edition of TVS Scooty Zest 110 has been launched in India and it is priced at Rs.50,448. This new edition is compliant with the BS IV emission norms and comes in new colors. On it’s exterior, the design remains the same other than the new added matte colors which includes black, blue, yellow, and red. With this launch, TVS Scooty Zest will be available in eight new colors. The new Scooty is powered by the same 110cc CVTi petrol and it gives a mileage of 62 Kmpl. The scooter is available at all dealership outlets in this country.

      23rd May 2017

    • Bajaj Auto is all set to launch its Adventure version in India

      After launching the Dominar 400, Bajaj Auto is all set to launch the Adventure brand. There have been speculations that the company is launching the Adventure and Scrambler versions of Dominar 400. These bikes will be based on the Dominar 400 platform and are expected to share some of the technical specifications of the adventure motorcycle, KTM. The new Adventure version is likely to feature off-road tyres and the same 373.3 cc engine of Dominar 400. With this launch, Bajaj Auto will compete the Himalayan version of Royal Enfield.

      19th May 2017

    • TVS all set to launch the Apache RR 310S in the coming months

      Following the rumors doing the rounds for months now, TVS has finally broken the ice and has announced that the Apache RR 310S will be launched in a couple of months. Sharing the same 313 CC engine of the BMW G310R, TVS is looking to compete with its rival BMW’s model yet attract a different fan following. The engine throws out 34 bhp along with a peak torque of 28 Nm. Arun Siddharth, Vice President of TVS Motor Company was reported as saying that BMW Motorrad also has a bike on the same platform, we will be showing our bike soon, despite being on the same platform they will cater to different customers and the intent will be very different. As far as the partnership with BMW is concerned the idea is to bring the synergies on the hardware together though the brand positioning will be very different.

      17th May 2017

    • KTM to launch the world’s first fuel injected two-stroke motorcycles

      Promoting fuel efficiency, yet a more powerful off-road bike, KTM has just about finished the wrapping up of the world’s first fuel injected two-stroke motorcycles - the KTM 300 EXC TPI and the KTM 250 EXC TPI. Both the bikes boast of hi-end equipment, including fully adjustable WP suspension, Brembo brakes and a lightweight steel alloy double cradle chassis. Joachim Sauer, Product Marketing Offroad, KTM, said that it is a very proud moment for us to unveil the world's first serial electronic fuel injection 2-stroke offroad competition bikes. He added by saying that KTM are committed to developing revolutionary technology, and with the KTM 250 EXC TPI and KTM 300 EXC TPI models we feel the game has once again been changed, as this is a global first.

      17th May 2017

    • Steep decline in the sales figures of Hero MotoCorp in Q4 of 2017

      The sales figures of Hero MotoCorp Ltd. dropped by 14% after the company sold BS-III compliant two-wheelers at a discounted rate. The purpose of the sales is to clear off the existing stocks following a court order banning the BS-III compliant vehicles. The net profit of the company came down to Rs. 717.75 crores from Rs.833.29 crores. Even the EBITDA margin declined to 12.79% from 14.66% in the previous year. The Supreme Court order banning sales of vehicles not compliant with the BS IV emission standards gave only 3 days’ time for companies to dispose the old stock.

      12th May 2017

    • BSIII vehicle ban: TVS to offer compensation to dealers

      After the ban of two-wheelers compliant with BSIII emission norms was announced on 29th March, 2017, dealers have been offering heavy discounts on these models to potential customers. In lieu of this, TVS Motor India has decided to compensate dealers with a one-time provision of Rs.57 crore for the losses they incurred.

      The company will also acquire the leftover BSIII stock from the dealers and may export these models to countries where the BSIII emission norms are accepted.

      TVS Motors recently received honours at the Automotive Product Execution and Layout (2WAPEAL) Study and the JD Power 2017 India Two-wheeler Initial Quality (2WIQS) Study. The company is in talks with BMW Motorrad to manufacture the Apache RR310S that will be their most powerful vehicle till date.

      The TVS Apache RR310S will be powered by a 313 cc engine coupled with a 6-speed gearbox. The engine will generate 32 hp of power and 28 Nm of torque. The fuel efficiency of the engine will be 36 kmpl.

      11th May 2017

    Two Wheeler Insurance Reviews

  • Page 1 of 50 1 2 3 4 5
    • review Two Wheeler Insurance
      "Excellent "
      0.5 4.0/5 "Great!"
      I am having two wheeler insurance policy with the Iffco tokio general insurance company and the coverage value is around 35000 Rupees and the premium is around 1500 Rupees, also the service tax is lesser one with them. Value is also a good one with them.
      Was this review helpful? 0
      , tirupur
      Reviewed on May 27, 2017
    • review Two Wheeler Insurance
      "Poorest service. Pathetic staff"
      0.5 0.5/5 "Unacceptable"
      They will come running for new policies, but when you need service, they don't like to work on that. I wanted to transfer the policy of a motor bike after registration change. In simple words, please do not go for ICICI lombard. Super slow procedure. Pathetic attitude of people working there. Simply awful. I wish I could have some option of 0 stars Sharing Experience if anyone is interested: Initially, after raising the request, they will not call/mail you for many days until you call back. They will simply say that we had a wrong number. They will never reply or call you in less than 3 day interval. After you are frustrated and send a tough mail, they will respond in a day and tell you that they will revert shortly and you are at top most priority. Then, again they will be lost. They dont have any mode of payment other than cheque and Credit card. they will ask details of credit card on phone which anyways at least I hesitate to share.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 26, 2017
    • review Two Wheeler Insurance
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have insured my two wheeler with the ICICI Lombard general insurance company and I got it at neck of the moment. The depreciation value is around half of the value of my vehicle. I have not faced any claims with them till now and the premium is around 1900 Rupees and its huge one.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • review Two Wheeler Insurance
      "Better "
      0.5 4.0/5 "Great!"
      I am having two wheeler insurance policy with the Reliance general insurance company and the premium is around 2000 Rupees. Bills and receipts were given on immediate basis, also the coverage is only for the bike and third party coverage is not a applicable one.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • review Two Wheeler Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I got a 2 wheeler insurance policy with L&T GENERAL INSURANCE for past 2 years. I hold a Honda CB shine Motorbike, I paid Rs.1013 to renew the policy. I would like to suggest L& T general insurance company to remind the due date in prior. I never had a claim experience with L& T so far. Overall the plan benefits is good here.
      Was this review helpful? 0
      , solapur
      Reviewed on May 25, 2017
    • review Two Wheeler Insurance
      "Better Policy to use "
      0.5 4.0/5 "Great!"
      I have insured IFFCO TOKIO GENERAL INSURANCE with Bajaj Pulsar . I pay rs 1500 to 1700 to renew this policy. , I constantly get reminders from them to renew this policy via calls, mails and text messages which are very much useful, I don't have any claim experience with them. I am not sure about the policy coverage and plan benefits here.
      Was this review helpful? 1
      , cuddalore
      Reviewed on May 22, 2017
    • review Two Wheeler Insurance
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I don't have much experience on my Reliance two wheeler insurance policy, also there is no claim experience so far. The policy coverage is also not up to the mark and there are few other things which needs to be improved. The app is not user friendly. When I try to renew the policy I often face some down time issue, the premium what I pay currently is Rs.1100. Also they send reminders to renew the policy in prior in short I would say it is an average policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2017
    • review Two Wheeler Insurance
      "Excellent"
      0.5 4.0/5 "Great!"
      I had the two wheeler insurance policy with the United India Insurance company. Their response is very good for me and they used to renew the policy very immediately. Customer service is good one with them and the response is fine. I have not faced any claims with them till now.
      Was this review helpful? 1
      , chennai
      Reviewed on May 20, 2017
    • review Two Wheeler Insurance
      "Better"
      0.5 3.0/5 "Satisfactory"
      I had got the two wheeler insurance policy with the Oriental insurance company. I had paid around 1200 Rupees as the premium. I got it from the showroom itself. I did not get any claims from them. Premium is okay for me and for every insurance company premium is on the same level only.
      Was this review helpful? 0
      , chennai
      Reviewed on May 20, 2017
    • review Two Wheeler Insurance
      "Satisfied"
      0.5 4.0/5 "Great!"
      I am having two wheeler insurance policy with the National insurance company and I have not claims with them. Coverage values are fine one with them, also third party coverage value is up to 2 lakh Rupees to 3 lakh Rupees. For coverage value the premium is little high , as per my perspective.
      Was this review helpful? 0
      , chennai
      Reviewed on May 19, 2017
    • review Two Wheeler Insurance
      "Excellent service"
      0.5 4.0/5 "Great!"
      I am having two wheeler insurance policy with the ICICI Lombard general insurance company and I have faced the claims and I got around 80% of the damage and repair cost as reimbursement. Customer service is good one with them and the response is also good one with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 19, 2017
    • review Two Wheeler Insurance
      "Better "
      0.5 4.0/5 "Great!"
      I had taken a two wheeler insurance policy with the United India Insurance company . I am holding this insurance policy from the last three years of time and I had not faced any claims with them. Coverage value is a fine one and the customer service is even more amazing.
      Was this review helpful? 0
      , chennai
      Reviewed on May 19, 2017
    • review Two Wheeler Insurance
      "Need to improve"
      0.5 1.0/5 "Really Bad"
      I have two wheeler insurance policy with the ICICI Lombard general insurance company. There are no claims with them and the premium is around 860 Rupees and the coverage value is around 16000 Rupees. I would like to say that they need to improve and they are not providing the proper response to the customer.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2017
    • review Two Wheeler Insurance
      "Average"
      0.5 2.0/5 "Expected more"
      I am having two wheeler insurance policy with the Iffco tokio general insurance policy and it was provided by my organization. I have claimed around 65000 Rupees with the deduction of 5000 Rupees as charges. Customer service is okay with them and I have not faced any issues with them till now.
      Was this review helpful? 1
      , jamshedpur
      Reviewed on May 18, 2017
    • review Two Wheeler Insurance
      "Good experience "
      0.5 4.0/5 "Great!"
      I have two wheeler insurance policy with the ICICI Lombard general insurance company and the services are a kind of okay. I have not faced any claims with them and the premium is around 1400 Rupees and its getting increasing only. So fat no suggestion to the ICICI Lombard general insurance company.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 18, 2017
    • review Two Wheeler Insurance
      "Excellent "
      0.5 3.5/5 "Pretty good"
      I am having two wheeler, which got insured with Bajaj Allianz general insurance company and I been with them from the last one year of time. Coverage is higher than others with the Bajaj Allianz and that's the advantage. Premium amount is also lesser one while compare with others.
      Was this review helpful? 1
      , hyderabad
      Reviewed on May 18, 2017
    • review Two Wheeler Insurance
      "Riding partner"
      0.5 4.0/5 "Great!"
      I have two wheeler, which got insured with United India Insurance company and the coverage value is around 75000 Rupees and the depreciation value is not really fine. I have not faced any claims with them . Service aspects are better one with them.
      Was this review helpful? 0
      , chennai
      Reviewed on May 16, 2017
    • review Two Wheeler Insurance
      "Its Good for Bike"
      0.5 4.0/5 "Great!"
      I took bike insurance with ICICI lombard, I approached two wheeler insurance through the showroom. ICICI lombard gave the coverage of one lakh. But I didn't have any claim experience. Now my bike insurance got expired, I am planning to do it later.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 16, 2017
    • review Two Wheeler Insurance
      "Very Good service"
      0.5 5.0/5 "Blown Away!"
      The reliance insurance company gives the notification to renew the policy prior to a month. I paid around Rs. 1800 a year to renew my policy. I hold a Honda Activa. I have to renew the policy every year. Overall the service is very good with Reliance insurance company.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 16, 2017
    • review Two Wheeler Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      The agents will come and renews the policy at my place. The customer service gives a call and reminds me to renew the policy on time . I don't have any claim experience so far. So the policy coverage is better here. Overall the Bajaj gives decent policies.
      Was this review helpful? 0
      , khammam
      Reviewed on May 15, 2017
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