Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • Is Bike Insurance Mandatory in India?

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    Two Wheeler Insurance
    • Get liability-only and comprehensive cover
    • Cashless garages available
    • Hassle-free online buy/renewal offered by insurers

    We sure do love our two wheelers. What’s better than our own set of wheels to navigate in the congested Indian roads? Not only is it affordable for most of us (with a little help from the friendly folks at the bank), but it is also convenient and relatively low maintenance. In terms of sales and production, the Two Wheeler Industry in India is the largest in the world. India’s two-wheeler market has an overall growth rate of 9.5 percent between the years 2006 and 2014. That means that there are a lot of two wheelers on the roads. The risk that is on the road is equally proportionate. Which is why we need insurance to protect ourselves and our precious vehicles on the road.

    An insurance policy is an investment worth making. It is also, according to Indian law, a necessity. The Motor Vehicle Act covers a variety of expenses that you may have to bear in the event of a two wheeler accident. It also covers your two wheeler in the event of a theft, fire, malicious act, natural disasters etc. Further, the legal liability to third party personal injury and property damage which arises out of the accident is also covered in this, as well as personal accident cover.


    So what is not included in the basic cover that the law expects? Things like loss of accessories, the legal liability to paid driver, personal accident cover for the pillion riders, normal wear and tear, damage due to negligent driver or driving under the influence of drugs/alcohol will not be covered in the basic insurance policy. It is possible to pay a little extra for a comprehensive cover which will cover many more expenses that you will be likely to face in the duration of your two wheeler’s possession.

    How Does A Bike Insurance Protect You?

    Your two-wheeler is always exposed to dangers both off the road and on the road. A motorcycle insurance policy can be a major help in incidents that result in financial losses arising out of unexpected events such as accidents, thefts, natural disasters and so on. Likewise, if a loss or damage is caused to a third person or their properties, a two-wheeler insurance policy acts as a shield you from any liabilities emerging out of the same. A third-party insurance cover is the minimum and basic level of insurance that is legally enforced in India. Nonetheless, it is a wise to get a strong motor insurance policy to have a backup plan in any vehicle related mishaps.

    What Is Covered In A Two-Wheeler Insurance Policy?

    There are a several kinds risks for which your insurance policy covers you. Some of which are explained below:

    1. Harms Or Losses Due To Natural Calamities:

      Disastrous events, for example, tremors, storms, earthquakes, floods and more. They may not or might be anticipated but one can't easily avoid the effects of the same on property and human lives. The best thing to do is to get an insurance policy that covers you against all such incidents.

    2. Coverage Against Man-Made Calamities:

      There can be a chances of man-made malicious acts that may cause damage to your vehicle. For example, robbery, thievery, riots, and different vindictive acts by people are likewise secured under a bike insurance policy. Be that as it may, harms or misfortunes caused because of assault or attack by an outside nation are not covered in a policy. It is smarter to have your bike insured to have a financial backup when any such incident occurs.

    3. Cover For Accidental Injuries

      An accident happens by accident and you have no control over it. Many a times it won't be your fault but you may get into events that may cause bodily injuries. There could be inward wounds, disengagement of joints, fractures and different wounds that can be covered under your bike insurance policy.

    4. Partial Disability Caused Due To An Accident

      There could be mishaps that may result in partial inability, for example, transitory loss of motion, or incapacity of some other part of body. With a two-wheeler insurance policy, you are financially secured against any such misfortune (To the extent of coverage offered in the policy).

    5. Total/Permanent Disability Due To Accident

      Failure to walk or loss of vision are the examples of permanent disability. Your two-wheeler insurance covers the misfortunes and additionally the costs on treatment.

    6. Demise Of Policyholder

      In the event of deadly mishaps that lead to the death of the policyholder or a third person, the insurance policy provides compensation to the nominees in the policy.

    7. How To Buy A Bike Insurance Policy Online?

      Purchasing a two protection today isn't as tough as it used to be. With the computerized ecosystem growing in India, you would now be able to purchase a motor insurance policy online. All you are required to do is slog on to the site of the insurer on the web, fill in all the details and purchase the policy. Additionally, there are numerous third-party sites where you can compare various policies and select the one that best suits your needs.

      If you are not happy with the online buying process, you may buy a policy with the help of agents/ brokers and insurance agents.

    Two Wheeler Insurance Online

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    Is Bike Insurance Mandatory in India? Reviews

  • Page 1 of 50 1 2 3 4 5
    • United India Two Wheeler Insurance
      "Good"
      0.5 4.5/5 "Excellent!"
      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 tam happy with the coverage value.o be renewed every year. I have no claim experience so far from this insurance policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 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 2 years, i am happy with the coverage value of this insurance policy. A premium of Rs 1200 has to be paid for this insurance policy and i have no claim experience so far.
      Was this review helpful? 2
      , mumbai
      Reviewed on Sep 14, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with Bajaj Allianz from last 3 years, i am happy with the coverage value of this insurance policy. A premium of Rs 1600 has to be paid for this insurance policy and i have not claimed anything so far with this two wheeler insurance.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 14, 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 year, i pay a insurance premium of Rs 1400 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? 1
      , pune
      Reviewed on Sep 12, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I am having a two wheeler insurance policy with HDFC ERGO from last 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 pay a insurance premium of Rs 1100 for this policy.
      Was this review helpful? 1
      , rajahmundry
      Reviewed on Sep 12, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I had a two wheeler insurance with ICICI lonbard for quite long time. I am happy with the coverage value of this insurance policy. I am not aware of the premium amount of this insurance policy. I have claimed 3-4 times and all my claim experience was good.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Sep 12, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My bike is insured with the HDFc Ergo general insurance. The premium is low and I do not have any claim experience with the policy so far. So far there hasn't been any issues with their services. I'll have to wait and see how they respond to my requests in future.
      Was this review helpful? 3
      , bangalore
      Reviewed on Sep 11, 2018
    • L and T Two Wheeler Insurance
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I had taken this insurance policy long time back and i had been making the payments of premium annually. Their customer support also had been good as well and i had also taken a claim which was a good experience. There has not been any hassle faced so far.
      Was this review helpful? 3
      , coimbatore
      Reviewed on Sep 07, 2018
    • New India Two Wheeler Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my two wheeler insured with New India Assurance from last 2-3 years, i am happy with the coverage value of this insurance policy. My claim experience was good with this insurance policy. A premium of Rs 2500 has to be paid for this insurance policy. I am satisfied with the policy coverage and plan benefits of this policy.
      Was this review helpful? 5
      , chennai
      Reviewed on Sep 05, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      My bike is insured with the HDFC Ergo. I do not have any claim experience with the policy. The premium is really less. So far there hasn't been any issues with their services. I'll have to wait and see how they respond to my request in future if I'll have any
      Was this review helpful? 2
      , chandigarh
      Reviewed on Sep 04, 2018
    • National Insurance Two Wheeler Insurance
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had taken this two wheeler insurance a long time back. The premium amount which i had to pay every year had been nominal and i had been making the payments online. Their customer support also had been good as well. I had not made any claims so far.
      Was this review helpful? 2
      , coimbatore
      Reviewed on Sep 04, 2018
    • Tata AIG Two Wheeler Insurance
      "Average policy "
      0.5 3.0/5 "Satisfactory"
      I have take a two wheeler insurance from Tata AIG insurance . This policy covers for 1 year . It covers bumper to bumper coverage ,cashless garage benefits . Am satisfied with premium amount which am making the payment. I'm satisfied with the customer care.
      Was this review helpful? 3
      , chennai
      Reviewed on Sep 04, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Normal Service"
      0.5 3.0/5 "Satisfactory"
      My Bike is insured with the ICICI Lombard General Insurance. I am paying a premium 12000, it only covers the metal parts. I do not have any claim experience with the policy so far. There hasn't been any issues with the services as well.
      Was this review helpful? 1
      , guntur
      Reviewed on Aug 31, 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 10 years and it is a good policy to use. The premium amount for this insurance policy is nominal when compared to other policies. I have no claim experience with this insurance and the coverage value is good.
      Was this review helpful? 8
      , pune
      Reviewed on Aug 30, 2018
    • Tata AIG Two Wheeler Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      Premium for this insurance is normal, they took the processing time was less, i have been making payment for this premium for past few years, they have given me the good benefits in this premium, i feel it will give good benefits will be given in future, over all it a good insurance.
      Was this review helpful? 4
      , hyderabad
      Reviewed on Aug 29, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with ICICI LOMBARD from last 3-4 years, i am happy with the coverage value of this insurance policy. I am not aware of the premium amount for this insurance. I have no claim experience so far with this insurance policy.
      Was this review helpful? 5
      , bangalore
      Reviewed on Aug 29, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insurance with ICICI Lombard from last 3 years, i am happy with the coverage value of this insurance policy. A premium of Rs 1200-1500 has to be paid for this insurance policy. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 5
      , kolkata
      Reviewed on Aug 29, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Service so far"
      0.5 5.0/5 "Blown Away!"
      My bike is insured with the HDFC Ergo general Insurance. I am paying a premium of 3000 Per year, It covers the entire bike. I do not have any claim expereince with the policy so far. So far there hasn't been any issues with their services.
      Was this review helpful? 5
      , chennai
      Reviewed on Aug 29, 2018
    • National Insurance Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with national insurance from last 3 year, 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 1500 has to be paid for this insurance policy.
      Was this review helpful? 3
      , coimbatore
      Reviewed on Aug 29, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with ICICI lombard from last 1 year, 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 1700 has to be paid for this insurance policy.
      Was this review helpful? 2
      , new delhi
      Reviewed on Aug 29, 2018
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