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  • Exclusions in Your Two Wheeler Insurance

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    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
    • 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? 3
      , 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? 1
      , 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? 0
      , 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? 0
      , 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? 0
      , 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
    • ICICI Lombard Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with ICICI lombard from last 5 years and it is a good policy to use. I have no claim experience so far from this insurance policy. I pay a premium of Rs 850 which has to be paid every year and the coverage value is good in this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 06, 2018
    • Tata AIG Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with TATA AIG from last 2 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I paid a premium of Rs 3000 for 3 years at once for this insurance policy.
      Was this review helpful? 1
      , pune
      Reviewed on Jul 06, 2018
    • Oriental Insurance Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance policy with Oriental Insurance from last 2-3 years, i am happy with the coverage value of this insurance policy. A premium of Rs 1300 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
      , karad
      Reviewed on Jul 05, 2018
    • Reliance General Two Wheeler Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I am having a two wheeler insurance policy with Reliance from last 12 years, i am happy with the coverage value of this insurance policy. I have claimed it once and my experience was good. A premium of Rs 900 has to be paid every year for this two wheeler insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 05, 2018
    • Reliance General Two Wheeler Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      My bike is insured with the Reliance general Insurance. It Covers the metal parts. I do not have any claim experience with the policy. I sometimes makes payment online and sometimes visit the branches. So far there hasn't been any issues with their services.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 04, 2018
    • Oriental Insurance Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a two wheeler insurance policy with Oriental insurance from last 1 year, a premium of Rs 900 has to be paid for this insurance policy. I have not claimed anything so far from this insurance policy. I am happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 03, 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 2 years and it is a good policy to use. 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 1200 has to be paid for this insurance policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 03, 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 2 years, i am happy with the coverage value of this insurance policy. A premium of Rs 2400 has to be paid every year for this insurance I have not claimed anything so far from this two wheeler insurance policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 03, 2018
    • New India Two Wheeler Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I have taken two wheeler insurance policy from New India Assurance and no idea about claim ratio. Their customer service and response is good. Its the good policy for claim purpose . Annually i pay for two wheeler insurance through on-line payments. Still now not faced any issue.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 03, 2018
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