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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

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  • HDFC Ergo Two Wheeler Insurance
    "Cost effective policy"
    0.5 5.0/5 "Blown Away!"
    Recently i have been renewing the policy for quite number of year. The premium amount was Rs. 1800 per year. Due to low premium amount, i have selected this HDFC Ergo. I have not faced with this policy and currently no claim experience with this policy
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 14, 2018
  • United India Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    My two wheeler is insured with United India insurance from last 1 year, a premium of Rs 1600 has to be paid for this insurance policy. There was no claim experience so far from this insurance policy. I am happy with the plan benefits and policy coverage of this insurance.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 14, 2018
  • ICICI Lombard Two Wheeler Insurance
    "Smart Protection for bike"
    0.5 5.0/5 "Blown Away!"
    I have Access 125 bike for that I took policy in ICICI lombard, the premium amount is around Rs. 1800 its 2 years model. They gave me good insured value with third party cover, in Hyderabad the insurer got tie up with many service centers even they are providing no claim bonus.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 14, 2018
  • ICICI Lombard Two Wheeler Insurance
    "Smart Protection for bike"
    0.5 5.0/5 "Blown Away!"
    For my Yamha zs bike, I have taken the bike insurance policy from ICICI Lombard. By paying the premium around Rs.1600 and they gave me the insured value around 32,000. It has the third party cover even it include for the loss , damage and other things.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 14, 2018
  • L and T Two Wheeler Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    L&T GENERAL INSURANCE gives me more benefits on the bike policy, the premium which I paid around Rs. 3500 for bike policy they gave me the IDV value around Rs.1.16 lakh. I have Yahama bike, there is no claim experience. I have been using this policy from the day one.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 14, 2018
  • Bajaj Allianz Two Wheeler Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using Two wheeler insurance with BAJAJ ALLIANZ GENERAL INSURANCE for long time, the agent had explain me about there policy coverage,there benefits clearly, till now i have not use claim experience, there premium amount they have charged me was nominal, i am happy with there overall service.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Dec 13, 2018
  • Bajaj Allianz Two Wheeler Insurance
    "Best Policy"
    0.5 5.0/5 "Blown Away!"
    I have taken two wheeler insurance from BAJAJ INSURANCE insurance for this. I made the payment for 1 year through the on-line banking . Customer service and response is average as they have explained the benefits of the policy . It has good policy coverage with good policy benefits.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 13, 2018
  • National Insurance Two Wheeler Insurance
    "Good Two wheeler insurance policy"
    0.5 4.0/5 "Great!"
    My two wheeler insurance policy was taken with National. When i purchase the bike, the dealer has provided the policy with National and I've been continuing the policy continuously for 9 years. I used to pay the premium amount of Rs. 1800 and they used to charge according to the bike model and year. I have not checked the coverage value.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 13, 2018
  • New India Two Wheeler Insurance
    " Satisfactory policy for my bike"
    0.5 4.0/5 "Great!"
    I have friend working with New India Assurance, they generated the policy, they done things easier way, the premium is less than others, I have three years of policy the IDV value remains same. I have taken third party liability plan for my bike.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 13, 2018
  • New India Two Wheeler Insurance
    "Its Affordable"
    0.5 5.0/5 "Blown Away!"
    I believe New India assurance two wheeler policy premium is nominal for one year policy, but I don't have any claim. I have no much paper work hence I have taken the bike policy through dealer. They gave third party cover liability its good for me.
    Was this review helpful? 0
    , ludhiana
    Reviewed on Dec 13, 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 1 year, a premium of Rs 1000 has to be paid every year for this insurance policy. I have no claim experience so far with this insurance policy. I am happy with the plan benefits and policy coverage of this insurance.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 13, 2018
  • Reliance General Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I am having a two wheeler insurance with Reliance general from last 1 year, i am not aware of the premium amount for this insurance policy. I did not claim anything so far with this insurance policy and the coverage value is good in this insurance.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 13, 2018
  • ICICI Lombard Two Wheeler Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My dealer has provided me a two wheeler insurance policy with ICICI Lombard when i purchase my bike. I have paid the premium amount of Rs. 2500. They have given me a 100% coverage and it covers for all the parts of the vehicle. Since the premium was high i was not continued with the same company and i had no claim experience with this policy.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 12, 2018
  • HDFC Ergo Two Wheeler Insurance
    "Fine and Good"
    0.5 5.0/5 "Blown Away!"
    I have purchased a two wheeler insurance with HDFC ergo. I have renewed the policy last month. Since the premium amount is very low, i have selected this HDFC Ergo. I have paid the premium amount of Rs. 2200. They have offered me a coverage value of Rs. 2 lakhs. The vehicle has covered upto 80%.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 12, 2018
  • ICICI Lombard Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have not connected with the ICICI customer care service. I bought the policy in 2017. The dealer has provided me this policy when i purchase my bike. I have paid the premium amount of Rs. 5000. This policy has a coverage value of Rs. 50000. I have not claimed anything from this policy.
    Was this review helpful? 0
    , jodhpur
    Reviewed on Dec 12, 2018
  • Bajaj Allianz Two Wheeler Insurance
    "Good policy for vehicle"
    0.5 4.0/5 "Great!"
    Within a second they have renewed the policy from Bajaj Allianz. There is no particular reason for choosing a bajaj Allianz and the branch is nearby my location. The premium amount of Rs. 2070 per year. I have not claimed anything in this policy. I never interacted with their customer care also.
    Was this review helpful? 2
    , bangalore
    Reviewed on Dec 11, 2018
  • Bajaj Allianz Two Wheeler Insurance
    "Good Insurance for two wheeler protection"
    0.5 5.0/5 "Blown Away!"
    The two wheeler services with the Bajaj Allianz is good, the premium amount is nominal, I have paid the cost around Rs. 1900 for one year, I have first party insurance and personal accidental cover. But there is no claim bonus available with this insurer.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Dec 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 1 year, a premium of Rs 3000 has to be paid for this insurance policy every year. There was no claim experience so far with this insurance policy. I am happy with the policy benefits and plan coverage of this policy.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Dec 11, 2018
  • ICICI Lombard Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    My two wheeler is insured with ICICI Lombard from last 1year and it is a good policy to use. I am happy with the policy benefits and plan coverage of this insurance. Rs 4000 has to be paid as an an insurance premium and i have no claim experience.
    Was this review helpful? 0
    , lucknow
    Reviewed on Dec 10, 2018
  • ICICI Lombard Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    My two wheeler insurance is with ICICI LOMBARD from last 3 years, a premium of Rs 1900 has to be paid as an insurance policy. There was no claim experience so far with this insurance and the coverage value is good in this car insurance.
    Was this review helpful? 1
    , ahmedabad
    Reviewed on Dec 10, 2018
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