Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • Top 6 Two-wheeler Insurance Policies Available in the Market

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    For every two-wheeler owner, a comprehensive insurance policy is absolutely necessary. Having one doesn’t just help him/her claim reimbursements for any repairs but also allows them to resolve any legal obligations brought about by an accident. While it is extremely simple to find hundreds of policies on the internet, it’s hard to figure out a policy that suits you best. In this page, you will learn about some of the best two wheeler insurance policies you can buy right now.

    Bajaj Allianz Two-Wheeler Insurance

    Brought to you by the business association between Bajaj Finserv Limited and Allianz SE, a European financial service company, this is one of the best policies to buy right now. Apart from offering you comprehensive coverage, here are some features that make up the crux of this policy:

    • Allows you to renew expired policies or file transfer requests without the need to provide any additional documentation or inspection.
    • Offers an easy, online buying/renewal process.
    • Allows you to transfer up to 50% of your No Claim Bonus from any insurance provider.
    • Offers a quick claim settlement process.
    • Provides 24/7 telephone assistance for help regarding claims. This service is also available on holidays.
    • Provides third party liability cover of up to Rs. 1 lakh.
    • Is available for vehicles that are less than 15 years old.

    HDFC ERGO Two-Wheeler Insurance

    The HDFC Ergo is yet another Indo-Euro partnership that’s helping people take care of their insurance requirements. This company is an amalgamation of HDFC Limited and Germany-based Ergo International AG. Key features of the firm’s two wheeler insurance are as follows:

    • Offers instant policy issuance coupled with quick claim settlement process.
    • Doesn’t require any additional documents to renew expired policies or policy transfers and can be done without the need for any inspections.
    • Offers third party cover of over Rs. 1 lakh.
    • Comes with a Zero Depreciation add-on cover, which can be included by paying a little extra premium.
    • While the Zero Depreciation cover is only available for vehicles not older than 2 years, the policy otherwise is applicable for bikes that are less than or equal to 15 years old.
    • Has a claim settlement ratio of 95%.
    • Damage estimate and claim approval will be done within 24 hours of the bike reaching a garage.

    Reliance Two-wheeler Insurance

    This two-wheeler policy is brought to you by Reliance General Insurance Limited, a subsidiary of Reliance Capital. Some important features of this policy are listed below:

    • Offers up to Rs.1 lakh as third party liability cover.
    • Provides the policy instantly after the application procedure is complete and the documents are verified.
    • Offers a relatively swift claim process to settle any and all of your claims.
    • Available for vehicles that are less than 10 years old.
    • Offers cashless facility across 159 network garages.
    • No Claim Bonus is available after the first year of buying a policy and ranges from 20%-50%.

    New India Assurance India Two-wheeler Insurance

    New India Assurance, formed in 1919, is one of the oldest and completely government-owned insurance companies in the country. The two-wheeler insurance policy they offer comes with plenty of good features. Here’s a few of them listed for you:

    • Provides third-party liability cover for up to Rs.1 lakh.
    • Adheres to a instant policy issuance process to make buying insurance hassle-free.
    • Offers zero depreciation cover for two-wheelers, which is available for bikes that are less than or equal to 58 months.
    • Available for vehicles that are less than 10 years old.
    • Pays for all the expenses in case a bike is damaged due to an accident.

    Bharti AXA Two-Wheeler Insurance

    This policy is the brainchild of Bharti Enterprises, an Indian conglomerate,  and AXA Group, a French company. It comes with a number of features to help the policyholder. Some of these features are:

    • It offers a facility wherein policyholders can renew their expired policies without needing to go through any inspection or providing documentation.
    • The policy offers Rs.1 lakh coverage against third party legal liability cases.
    • The provider follows an instant policy issuance process.
    • Available for vehicles that are less than 10 years old.
    • Has cashless facility available across 2,000 network garages.

    ICICI Lombard Two-wheeler Insurance

    ICICI Lombard two-wheeler insurance is yet another policy available for motorcycle owners. Below are some of its features and benefits listed for you:

    • Offers policy tenures ranging from 1, 2, and 3 years, which lets policyholders pay the premium for more than a year at once.
    • Has over 2150+ garages under its umbrella network.
    • Follow a no inspection policy during the renewal of an expired policy.
    • Offers an add-on cover to safeguard co-passengers.
    • Also has an add-on cover which takes care of a bike’s electrical and non-electrical accessories.

    These are the top 6 insurance policies available for two-wheelers around the country. In case, you don’t already have one or have an expired policy, make sure to get a new policy to keep yourself safe from any financial liability.

    The content / information on this page is based out of customer reviews posted on this website and makes no representation regarding accuracy of the same or that such content / information will be error-free.

    Top 6 Two-wheeler Insurance Policies Reviews

  • Page 1 of 50 1 2 3 4 5
    • 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? 0
      , 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? 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? 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
    • 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
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