• 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
    • ICICI Lombard Two Wheeler Insurance
      "Good Bike Insurance"
      0.5 4.0/5 "Great!"
      I've been using the ICICI Lombard bike Insurance for few years now and I'm happy about the annual premium I pay. Even though I never had any claim experience with them, I'm happy with their services. Their customer support is also good and helpful in case of any issue.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 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 3 years, i am happy with the coverage value of this insurance policy. They cover up to 60-70% and i am satisfied with it. I do not have claim experience so far with this insurance and i pay a premium of Rs 4000 for this insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2018
    • New India Two Wheeler Insurance
      " Two Wheeler Insurance with NEW INDIA"
      0.5 3.0/5 "Satisfactory"
      From NEW INDIA ASSURANCE i have taken a two wheeler insurance and the premium which i am paying was 1800. This policy have the accidental coverage for the bike and for the third party. There is no claim experience till now. The customer service was fine.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 23, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      Icici two wheeler insurance service is good. The payments are through cash. I use to pay my premium yearly directly as a cash. They use to intimate regularly through Sms. I am paying 1k yearly as a premium. It was an good experience with Icici two wheeler insurance service.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 23, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      Icici two wheeler insurance service is good. The payments are through online. Also the online portal is easy for navigation. The process was been fast with Icici two wheeler insurance service. It was an good experience with Icici two wheeler insurance service.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 23, 2018
    • Reliance General Two Wheeler Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have an two wheeler insurance with Reliance. The documents process was been smooth with Reliance two wheeler insurance service. I use to pay my premium through online. It was a excellent service with Reliance Two Wheeler insurance for my Bajaj Pulsar 220 CC bike.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 23, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      From BAJAJ ALLIANZ GENERAL INSURANCE i have taken a health insurance and the premium which i am paying was 13600. This policy have the accidental coverage for the bike and for the rider. There is no claim experience till now. The customer service and response was good.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 21, 2018
    • ICICI Lombard Two Wheeler Insurance
      "best card"
      0.5 5.0/5 "Blown Away!"
      I had a two wheeler insurance policy in ICICI LOMBARD GENERAL INSURANCE. Since now i did not faced any issue like online transactions while am renewing the insurance. I feel very comfortable. I can recommend this ICICI LOMBARD GENERAL INSURANCE two wheeler insurance policy to my friends.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2018
    • HDFC Ergo Two Wheeler Insurance
      "good experience"
      0.5 4.0/5 "Great!"
      I had a two wheeler insurance in the prestigious insurer IE: HDFC ERGO GENERAL INSURANCE. I can say it is a one of the best insurance which i had . Mostly all plan benefits will cover under this policy. I can use their website to check the quotes and to renewal the two wheeler insurance policy on time. I recommend their services for my friends.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2018
    • Oriental Insurance Two Wheeler Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a two wheeler insurance with Oriental Insurance from last 7 years, i do not have any claim experience so far with this insurance policy. The coverage value of this insurance policy is 60-70% and i am satisfied with it. I pay a premium of Rs 1200 every year for this insurance.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 20, 2018
    • New India Two Wheeler Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I had taken a two wheeler insurance policy from the top most private sector insurance company NEW INDIA ASSURANCE along with my vehicle. My annual premium is very reasonable by comparing with other insurance products and it is a Five year old policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I insured my two wheeler from the ICICI LOMBARD GENERAL INSURANCE company . I have recently renewed this policy for the second time. I have paid Rs,1200 to renew this two wheeler insurance policy from the ICICI Lombard. They give intimations to renew the policy on time which is very helpful from the ICICI LOMBARD GENERAL INSURANCE company.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 19, 2018
    • United India Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with United India Insurance from last 2 years, i do not have claim experience so far with this insurance. I am happy with the coverage value of this insurance policy. A premium of Rs 800-900 has to be paid for this insurance policy.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Apr 19, 2018
    • ICICI Lombard Two Wheeler Insurance
      "best policy"
      0.5 5.0/5 "Blown Away!"
      I had taken a two wheeler insurance policy from the top most private sector insurance company ICICI LOMBARD GENERAL INSURANCE. My annual premium is very reasonable by comparing with other insurance products which is 1900/-. . I can prefer online to renew my two wheeler insurance policy with in the due date. I had bought this two wheeler insurance policy along with my vehicle.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 18, 2018
    • New India Two Wheeler Insurance
      "Good Policy"
      0.5 3.5/5 "Pretty good"
      I have my two wheeler insured with New India Assurance 1 year back, i am happy with the coverage value of this insurance policy. I did not claim anything so far from this insurance policy. A premium of Rs 1200 has to be paid for this two wheeler insurance.
      Was this review helpful? 0
      , noida
      Reviewed on Apr 18, 2018
    • Liberty Videocon Two Wheeler Insurance
      "better experience"
      0.5 4.0/5 "Great!"
      I had taken a two wheeler insurance policy from the public sector insurance company LIBERTY VIDEOCON GENERAL INSURANCE. My annual premium amount is quite high by comparing with other premiums. I did not received my policy document by mail and hard copy too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • HDFC Ergo Two Wheeler Insurance
      "best policy"
      0.5 5.0/5 "Blown Away!"
      I had taken a two wheeler insurance policy from the public sector insurance company HDFC ERGO GENERAL INSURANCE. My annual premium amount is Rs. 4000/- which is very reasonable by comparing with other premiums. I had received my policy document by mail.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • National Insurance Two Wheeler Insurance
      "best policy"
      0.5 4.0/5 "Great!"
      I had taken a two wheeler insurance policy from the public sector insurance company NATIONAL INSURANCE. My annual premium amount is Rs. 1600/- which is very reasonable by comparing with other premiums. I had received my policy document by mail.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 18, 2018
    • ICICI Lombard Two Wheeler Insurance
      "good policy"
      0.5 4.0/5 "Great!"
      I had taken a two wheeler insurance policy from the top most private sector insurance company ICICI LOMBARD GENERAL INSURANCE. My annual premium amount is very reasonable by comparing with other premiums. I had received my policy document to my registered communication address.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 18, 2018
    • Iffco Tokio Two Wheeler Insurance
      "Average service"
      0.5 2.0/5 "Expected more"
      I have got the two wheeler insurance policy from the IFFCO TOKIO around 2 years ago. I have paid Rs, 1800 to get this policy from the Iffco tokio and this policy has the tenure of 2years. The customer support service and the response is good here, and they won't give the intimations to renew the policy on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
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