Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • Exclusions in Your Two Wheeler Insurance

     4.5 / 5.0   by 3118 users
    Used this product? Write a review >>

    Cashless Treatment

    Fees & Charges

    Promised Interest Rate

    Plan Benefits

    Policy Coverage

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    Motorcycles, mopeds and all kinds of two wheelers are relatively important modes of transport, especially in metropolitan cities where an increasing number of individuals are purchasing two wheelers to avoid traffic jams and blocked roads. Not only do two wheelers help you save time and reach your destination sooner than alternative modes of transport, but they are also considerably inexpensive in comparison with cars. The maintenance costs are also relatively low, making them easy to afford and maintain.

    When purchasing a motorcycle it is also important to purchase motorbike insurance to ensure that your vehicle is covered in case of accidents. Thorough knowledge of your two wheeler insurance policy and all its inclusions and exclusions must be acquired before purchasing the same. Here, we will discuss some of the things that may not be covered by your two wheeler insurance.

    • Speeding: Adrenaline rush is as common among riders as brakes, well at least to a considerable extent. Two wheeler insurance does not cover damage or loss suffered as a result of speeding.
    • Riding someone else’s bike: Damage or loss of vehicles when someone else is riding your bike will not be covered by two wheeler insurance . If the owner of the vehicle meets with an accident, the insurance company will cover the cost of repairs, but not if the bike was lent to someone else.
    • Value reduction: Two wheeler insurance does not anticipate value reduction as a result of wear and tear, repair, usage or servicing.
    • Loss of keys: If you lose the keys to your two wheeler or forget them on the two wheeler, and, as a result, the two wheeler is stolen, the insurance company will not be liable to consider the loss.
    • Electrical or mechanical failures will not be covered by two wheeler insurance.
    • Accidents caused by unauthorised riders will not be covered. When purchasing the insurance policy, you will have to state the names of every individual who might possibly ride the two wheeler. Any damage or loss arising when the two wheeler is used by an unauthorised rider will not be covered by the insurance.
    • Valid license: Two wheeler insurance will not cover any damage or loss arising out of accidents caused when the rider is a minor, or if he / she does not possess a valid driving license.   
    • Damage or loss to a two wheeler while riding outside India will not be covered by two wheeler insurance.
    • Two wheeler insurance does not cover vehicles that have been damaged or lost when the rider was under the influence of drugs or alcohol.
    • Two wheeler insurance does not provide coverage for damage or loss arising out of nuclear or radioactive-related activities.
    • Damage or loss or injury to the rider caused by manmade problems such as terrorism, riots or wars, and natural calamities such as tsunamis or earthquakes will not be covered by two wheeler insurance.
    • Injuries to the rider or damage or loss of bike caused when the rider was not wearing a helmet will not be covered by two wheeler insurance.

    Exclusions in Your Two Wheeler Insurance Reviews

  • Page 1 of 50 1 2 3 4 5
    • Iffco Tokio Two Wheeler Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have two wheeler insurance with IFFCO TOKYO from last 6 years, a premium of Rs 1300 has to be paid for this insurance policy. There was no claim experience so far with this insurance policy. I am happy with the policy coverage and plan benefits of this policy.
      Was this review helpful? 0
      , khargone
      Reviewed on Nov 19, 2018
    • HDFC Ergo Two Wheeler Insurance
      "No claim experience with HDFC ergo"
      0.5 4.0/5 "Great!"
      Last two years i have not spoke with the customer care service for any reason. The dealer has provided the policy with HDFC Ergo since i took the loan with them. I pay the premium amount of Rs. 1000 and its renews every year. I have not gone through about the policy details. For past 2 years, i have been renewing the policy with same company.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 17, 2018
    • Oriental Insurance Two Wheeler Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I took a two wheeler insurance with Oriental Insurance. In my company, they have tied up with one agency for the personal and vehicle insurance. I have paid 1400 rupees for a year. The services are good. The process was simple. The policy coverage and the plan benefits.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 17, 2018
    • Royal Sundaram Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My two wheeler is insured with Royal sundaram insurance from last 4-5 years, a premium of Rs 2000 has to be paid for this insurance policy. There was no claim experience so far with this insurance policy. I am happy with the policy coverage and plan benefits of this policy.
      Was this review helpful? 2
      , jaipur
      Reviewed on Nov 16, 2018
    • Reliance General Two Wheeler Insurance
      "Yet to experience the claim"
      0.5 4.0/5 "Great!"
      I have not used the insurance policy so far. I never claimed anything in this policy. I have not spoke with the customer care. My friend has recommended me about the two wheeler insurance policy with Reliance. I pay the premium amount of Rs. 1500 for one year. I renew the policy through onine.
      Was this review helpful? 2
      , bangalore
      Reviewed on Nov 16, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken a two wheeler insurance with HDFC Ergo. I got a Passion Pro and Scooty for both the vehicles, I used to renew with HDFC Ergo. The customer service is good. There is no claim experience. The policy coverage and the plan benefits are good. I pay 4,000K yearly for 2 vehicles. The policy period is one year.
      Was this review helpful? 1
      , tiruchirapalli
      Reviewed on Nov 16, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good insurance policy"
      0.5 4.0/5 "Great!"
      When i purchased the vehicle, the dealer has provided the insurance with HDFC Ergo. I have not used any claim with HDFC Ergo. I have not spoke with their customer care. I pay the premium amount through credit cards. Last year i have bought this policy. Since i'm existing customer of HDFC, i have selected my two wheeler policy with HDFC Ergo.
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 16, 2018
    • Reliance General Two Wheeler Insurance
      "Good Policy to use"
      0.5 4.0/5 "Great!"
      My two wheeler insurance policy was taken from Reliance. The dealer was provided the two wheeler insurance policy when i purchased my bike. I have paid a premium amount of Rs. 7000 for two years. The policy covers all the parts of the vehicle. The documentation process was good. According to the bike condition, they have provided 100% coverage value.
      Was this review helpful? 0
      , ahmednagar
      Reviewed on Nov 16, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      It is very good and I have a two wheeler insurance with Bajaj Allianz and it was recommended by the showroom person. I have a Honda Activa bike. It is a one year policy. I got the insurance papers on time. There is helpline number to reach the customer support. The premium was paid through cheque.
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 16, 2018
    • New India Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with New India Assurance from last 3 years, i am not aware of the premium amount as my company pays it. There was no claim experience so far with this insurance policy. I am happy with the policy coverage and plan benefits of this policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Nov 16, 2018
    • Oriental Insurance Two Wheeler Insurance
      "Claim process is taking more time"
      0.5 4.0/5 "Great!"
      I have purchased the health insurance policy with Oriental. My entire family has been covered in this policy. My organization has provided the policy and they will be managing all the policy details. I never interacted with the oriental customer care services. I had a claim experience with oriental but my company taking care of that when i submitted the documents. Its taking 20 days to get settlement. They have given me a coverage value of Rs. 5 lakhs.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 16, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Best Policy"
      0.5 4.5/5 "Excellent!"
      Using the bajaj Allianz insurnace for my two wheeler for last 2 years. I used to pay the premium of Rs. 1240. They have provided the value of the bike Rs. 38000. They have covered for 70% of the bike value. I never faced any issues with the policy. Because of the lower price, i have selected the policy with Bajaj Allianz.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 16, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have a bike insurance with ICICI Lombard. Its a one year policy. I asked the service provider for an insurance and they was suggest me ICICI Lombard. I have paid 1300 rupees for a year through cash. I have claim experience, they have taken almost 18 months for the reimbursement. I am satisfied with the policy coverage and the plan benefits.
      Was this review helpful? 1
      , new delhi
      Reviewed on Nov 15, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      The plan is good with Bajaj Allianz insurance company, in terms of coverage value, the insured value around Rs. 47,000 for my Honda Dream yuga bike, its just two years old. I have coverage for loss, damage, accidental. They have many service centers as well.
      Was this review helpful? 3
      , ghaziabad
      Reviewed on Nov 14, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good protection for two wheeler"
      0.5 5.0/5 "Blown Away!"
      The bike policy was arranged through the dealer, since it mandatory purpose I took the policy from Bajaj Allianz. I don't have any option hence I took by paying some premium. I availed comprehensive policy for my bajaj discover bike for one year tenure.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Nov 13, 2018
    • Bharti Axa Two Wheeler Insurance
      " Its convenient policy renewal"
      0.5 5.0/5 "Blown Away!"
      Its convenient to go head to chose all the options, they have option to increase the IDV, even the premium is good. I have been experience with Bharti axa two wheeler policy around five years, whenever I renew the policy I get the no claim bonus.
      Was this review helpful? 2
      , bangalore
      Reviewed on Nov 13, 2018
    • National Insurance Two Wheeler Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I did not have any claim experience with National two wheeler insurance. I have not spoke with the customer care service as of now. I made a premium amount of Rs. 1400 for one year. The reason for selecting the National insurance is when i purchase a bike from dealer who provided the policy with National and i'm continuing the same. They have given a value of the bike is Rs. 55K.
      Was this review helpful? 2
      , chennai
      Reviewed on Nov 13, 2018
    • National Insurance Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      When I purchased the Honda Activa bike at that time they provided an insurance. It is a one year policy. One of my friend is working there so he will takes care of my policy. If anything goes wrong,they will recover 70% to 80% of the damage, remaining 20% from my end.I am planning to renew the policy again with National Insurance.
      Was this review helpful? 1
      , bangalore
      Reviewed on Nov 13, 2018
    • National Insurance Two Wheeler Insurance
      "Good Protection for two wheeler"
      0.5 5.0/5 "Blown Away!"
      As per IRDI policy, National Insurance is following the terms, the premium is reasonable, I have taken bike policy for three years now they do have five years plan. I have comprehensive plan its always better to go with full cover its good for us.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 12, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Need improvement on service"
      0.5 3.0/5 "Satisfactory"
      I have bike insurance with ICICI Lombard, I paid Rs.8700 for three years policy. It has third party plan with personal accidental. But the guys are not responsible, when they want to sell some thing they call , during queries they wont respond.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Nov 12, 2018
    Common Loader Icon
    Page 1 of 50 1 2 3 4 5

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.