Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • Insurance For Electric Two Wheelers In India

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    Generally referred to as e-bikes, electric two-wheelers are costly and involve a high degree of risk due to its own limitations. However, you might find it difficult to find insurance providers who typically cover electric two-wheelers. This doesn’t mean you can let your e-bike remain uninsured. You will certainly find insurance options for your e-bike that you may analyse and choose the one that best meets your requirements.

    Two Wheeler Insurance For Electric Vehicles

    In India, the degree of risks associated with electric two-wheelers is limited as they offer a comparatively controlled speed and performance as the motor vehicles do. Yet, it is important to get your e-bike insured against a variety of damages and losses that may occur to the vehicle due a range of incidents.

    Why Is Two-Wheeler Insurance Important For Your e-bike

    A vast majority of people in India do not consider two-wheeler insurance to be of importance as they hardly get to utilise the same. When in reality, they can never predict when and how a tragedy may strike them. Such incidents may result in physical injuries or damages or losses to the vehicle. In the absence of a two-wheeler insurance policy, all such losses and expenses will have to be taken care of by the owner of the vehicle. And these expenses can go really high. An e-bike insurance policy will protect you against all such risks. Also, a two-wheeler insurance has been compulsory as per the Motor Vehicles Act of 1988.

    Types Of Two-Wheeler Insurance

    If you wish to buy an insurance policy for your electric bike, there are mainly two types of policies you should know about:

    Third-Party Liability Insurance: This is the basic form of insurance mandatory in India. The policy primarily protects the policyholder against any financial or legal liabilities arising out of losses or damages caused to a third-party or their properties. It also covers the owner of the vehicle.

    Comprehensive Two-Wheeler Insurance Policy: A comprehensive insurance policy for your two-wheeler will give you a greater scope of protection. It provides the policyholder protection against a variety of man-made and natural disasters.

    In any unfortunate event that causes damages or losses to you or your vehicle, an insurance policy can be your biggest rescuer. A vehicle insurance policy is supposed to be renewed every year. However, these days insurers are offering long-term insurance plans for a period up to three years. Opting for this type of policy can save you from unnecessary hassles and you may also be eligible for certain discounts.

    Below are some of the important aspects why you should never escape a two-wheeler insurance for your electricity powered bike.

    E-bikes Are Expensive

    In spite of government pushing hard to promote the use of electric powered vehicles in India, the demand for the same has been low. This is one of the prime reasons why electric two-wheelers are still not affordable for all. If you already own an e-bike or planning to get one in near future, you might be aware that it is a significant investment. E-bikes have their own advantages and limitations. Though they are environment friendly, noise free, and affordable in terms of usage, the complex electrical, mechanical, and computer driven technologies are susceptible to losses and damages. There is a certain amount of risk associated with the e-bikes just like any other motor vehicle. Thus, it is important for you to pay due attention to getting your e-bike insured and ride worriless.

    High Degree Of Risk

    Some of the high-end electric vehicles tend to go faster and are bulkier. This makes them even more prone to risk. Also, the complex technology and electrical and mechanical parts used in the vehicle have a higher risk of failure. An insurance could be a great saviour in unfortunate and unexpected events. In absence of which, the hefty expenses on repair and retrieval of the vehicle and on personal injuries will have to be completely borne by the owner of the vehicle.

    Limited e-bike Coverage

    Since e-bikes haven’t seen a mass adoption as yet, an electric bike is insured the same way as a motorised vehicle. Traditional insurance providers in India typically offer a limited coverage on e-bike insurance. Some insurance companies even do not offer insurance for electric bikes simply because they do not require registration. Reasoned to the same, it is important to analyse the available options and choose the policy that offers you the best coverage at minimum cost.

    E-Bike Insurance Is Affordable

    Especially in India where e-bikes are yet to become a popular way to commute, most available electric two-wheeler models do not go beyond the speed of 60 kms/hr. This makes them apt for city commute where you may not have the option of going fast due to heavy traffic. Lower speed means lower risk, which is why, the insurance for electric two-wheelers should not be too expensive as in the case of motor vehicles that have a higher cubic capacity and give riders more power. You may also customize your insurance policy based on your specific requirements. A typical comprehensive insurance policy will provide you coverage against a variety of risks such as losses or damages caused by theft, collision, crash, fire, and other natural and man-made disasters.

    Two Wheeler Insurance Reviews

  • Page 1 of 50 1 2 3 4 5
    • HDFC Ergo Two Wheeler Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a two wheeler insurance policy with HDFC ERGO from last 3 months, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. A premium of Rs 2100 has to be paid for this insurance policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 20, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good insurance policy"
      0.5 5.0/5 "Blown Away!"
      I did the insurance and keeping the paper. I'm not aware of the plans and benefits the policy. I have purchased this insurance nearly 1 year before. I made the premium amount of Rs. 1600 and i used to make the payment through cash. I never experienced of the claiming process in ICICI hence i did not speak with the customer care service also.
      Was this review helpful? 1
      , chennai
      Reviewed on Jul 19, 2018
    • Bharti Axa Two Wheeler Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my two wheeler insured with Bharti Axa from last 11 years, i am happy with the coverage an plan benefits of this insurance policy. A premium of Rs 1100 has to be paid for this insurance policy. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 1
      , chennai
      Reviewed on Jul 18, 2018
    • Bharti Axa Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have taken a two wheeler insurance with Bharti Axa from last 7-8 months, i am happy with the coverage and plan benefits of this insurance policy. I have not claimed anything so far from this insurance policy. I have to pay a premium of Rs 1400 for this insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 18, 2018
    • Oriental Insurance Two Wheeler Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the Bike Insurance policy with the Oriental Insurance Company. I am paying a premium of 2000, the policy covers the entire bike. I do not have any claim experience with the policy either. So far it has been a good experience with their services.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jul 17, 2018
    • National Insurance Two Wheeler Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with National Insurance from last 15 years, it is a family health policy with the coverage value of Rs 3 lakhs. I have not claimed anything so far from this insurance policy. I am not aware of the premium amount as the company pays it.
      Was this review helpful? 2
      , new delhi
      Reviewed on Jul 17, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with HDFC ERGO from last 7 years, i am happy with the coverage value of this insurance policy. A premium of Rs 800 has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 17, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a bike insurance policy with the Bajaj Allianz. I am paying a premium 1200 per year. The policy covers the entire bike. I never had any claim experience with the policy. I'll have to wait and see how they respond to my claim requests in future.
      Was this review helpful? 2
      , kolkata
      Reviewed on Jul 16, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with HDFC ERGO from last 6 years, i am happy with the coverage value of this insurance policy. I pay a premium of Rs 1200 for this insurance policy. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 16, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My two wheeler insurance is with Bajaj Allianz from last 9 months, i am happy with the coverage value of this insurance policy. A premium of Rs 3000 has to be paid for this insurance policy. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 4
      , kolkata
      Reviewed on Jul 13, 2018
    • Reliance General Two Wheeler Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      My bike is insured the Reliance General insurance. I have paid a premium of 4000 for three years, I do not have any claim experience and the policy covers the entire bike. So far it has been a hassle free experience with the policy and I'll have to wait and evaluate their services in future.
      Was this review helpful? 2
      , kochi
      Reviewed on Jul 13, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I was using the Bajaj Allianz bike insurance policy initially. The policy was very good, It was approaching maturity and I changed to a different provider. I do have a claim experience with the policy. The claim process was seamless and hassle free. It is a recommendable bike insurance provider.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 12, 2018
    • Reliance General Two Wheeler Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My bike is insured with the Reliance general Insurance. I am paying a premium of 1500 year, the policy covers only metal parts. I do not have any claim experience with the policy and so far it has been a smooth experience. I'll have to wait and see about their approach in case if I will have any claims in future.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 12, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with Bajaj Allianz from last 1.5 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I am not aware of the premium amount but i am satisfied with the plan benefits of this policy.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 11, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with ICICI lombard from last 8-9 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 1200 for this insurance policy.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 10, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      My bike is insured with the ICICI Lombard General Insurance. I pay a premium of 1600 annually. The the policy covers entire bike. I do not have any claim experience with this policy either. So far it has been a smooth experience with their services.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 10, 2018
    • New India Two Wheeler Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      My bike is insured with the New India Insurance company. I pay a premium of 1200 per year, I do not have any claim experience so far and The policy covers the entire bike. I make payments online. Overall it has been a good experience so far.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 10, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Average Policy"
      0.5 1.0/5 "Really Bad"
      I have taken two wheeler insurance from Icici Lombard general insurance . Am satisfied with the premium amount what am paying . I made the payment through on-line for one year. Its an average policy wont be recommending . Their customer service and response is not up to the mark.
      Was this review helpful? 0
      , greater noida
      Reviewed on Jul 10, 2018
    • United India Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a two wheeler insurance with United India Insurance from last 7 years, i pay a premium of approx Rs 800 for this insurance policy and it has to be renewed every year. I have no claim experience so far from this insurance policy and i am happy with the coverage value.
      Was this review helpful? 1
      , guwahati
      Reviewed on Jul 09, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "The Service needs Improvements"
      0.5 2.5/5 "Just OK"
      I've a bike insurance policy with the Bajaj Allianz for which I pay a premium of 1600 per year. I got accident, no service was provided. I am not at all happy with their services. Overall they need to be more customer oriented and provide proper assistance to their customers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 06, 2018
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