• Two-Wheeler Insurance for A New Vehicle

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    For many, a two-wheeler is the first vehicle that they would purchase in life; so the sentiments associated with one are beyond comparison. When you zip across the road on your new two-wheeler, you would be invoking senses that are almost never engaged while you use other forms of transportation. For instance, when you gun the throttle, the feel of the wind in your hair is truly unparalleled.

    The speed and power associated with a bike makes it inevitable to keep it protected with sufficient insurance coverage. The Indian Motor Vehicles Act makes it mandatory for all two-wheelers to be covered with at least a minimum level of insurance. But it is advisable to keep yourself and your vehicle covered by a comprehensive insurance policy to help you wade through unprecedented situations.

    Types Of Bike Insurances

    A two-wheeler insurance is the best solution to meet unexpected costs that arise due to damages incurred by your new bike. It offers protection for all models of two-wheelers in the market, i.e., motorcycles or mopeds. Bike insurance is also available for vehicles that are used for personal, commercial, or mixed purposes.

    Two-wheeler insurance policies can be classified into two main categories:

    Third party liability insurance

    This policy provides coverage for damages incurred by a third-party in an accident that occurs due to the insured vehicle. This level of insurance is mandated by law; hence every vehicle plying on the roads should be equipped with this insurance.

    Comprehensive insurance

    This type of policy offers protection against all wear and tear of the two-wheeler and injuries to the rider. Damages to third-party is also included in the coverage. Additionally, it protects the vehicle against:

    • fire and natural calamities.
    • man-made situations like burglary, malicious acts, etc.

    Advantages of Purchasing Two-Wheeler Insurance Online

    Some of the key benefits of purchasing a two-wheeler insurance online are:

    • Choice of liability-only coverage or comprehensive coverage - The customer can determine if he requires only liability coverage or a comprehensive cover as well. Since a comprehensive cover provides protection against own damage and third-party liability, it is beneficial if every bike owner gets comprehensive insurance for complete protection.
    • Quick purchase - Earlier, a customer who purchased a two-wheeler insurance was not provided the policy documentation immediately. He/she was issued cover notes, and the policy would be mailed to him later. The advent in internet banking and technology has made purchasing a policy extremely convenient. A digitally signed policy document is issued to the customer as soon as the purchase is made.
    • Availability of add-ons - Multiple add-on covers, such as the zero depreciation cover, pillion rider accident cover, and coverage for accessories can be easily purchased online. You would have to pay an additional premium for the same.
    • Transfer of NCB made easy - NCB is a bonus that the insurer offers the rider for practising safe driving and refraining from raising claims in a policy year. Insurance companies allow you to transfer your accrued NCB from the previous insurer to the current one when you purchase a new policy online.
    • Numerous discounts - When you buy bike insurance policy online, you can also benefit from various discounts, such as reduction in premium for vehicles equipped with anti-theft devices, discounts for members of a recognised automobile association, etc.
    • Compare quotes from leading insurers - Various neutral third-party financial websites allow you to compare insurance plans and quotes from leading insurers. By comparing insurance coverage and costs, you will be able to zero in on a policy that best suits your needs.
    • Customer care - In case you have any queries on the coverage or policy wordings, you can avail the assistance of the call centre representatives from the insurance company.

    Your policy document sets out the exhaustive list of terms and conditions of your insurance policy. It is important to read through this document and understand the inclusions and exclusions of your policy, so that you are well-prepared on the proceedings at the time of a claim.

    Two-Wheeler Insurance for A New Vehicle Reviews

  • Page 1 of 50 1 2 3 4 5
    • ICICI Lombard Two Wheeler Insurance
      "Good Protection"
      0.5 5.0/5 "Blown Away!"
      ICICI lombard two wheeler premium was around Rs. 1100 for per year, they gives road side assistance, third party cover and no claim bonus. I have Honda Dream Yuga cost of the vehicle was Rs. 62,000. At the time of activation I got the policy copy from the insurance company its good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • National Insurance Two Wheeler Insurance
      "Customer service should be proactive"
      0.5 4.0/5 "Great!"
      National Insurance premium amount was good than other insurance company, customer service is not upto the mark. I paid yearly fee around 1700, they gave me good IDV value. I have Bajaj 150 discover bike, the insurance company gave nominal feature like third party cover, road side assistance.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 20, 2018
    • Reliance General Two Wheeler Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had a two wheeler insurance with Reliance for past 2 years. The customer service was really good. I would say the claim experience was good and excellent. I have paid 1000 rupees for this insurance. I get a remainder call, message and email for the policy renewal.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • Iffco Tokio Two Wheeler Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      My friend suggested the two wheeler insurance with Iffco Tokio so I have gone for it through online. I have paid 1150 rupees for one year to purchase this insurance. The process was immediate. I got a proper response from the customer support.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Better policy to use"
      0.5 5.0/5 "Blown Away!"
      I am renewing my two wheeler insurance policy from BAJAJ ALLIANZ GENERAL INSURANCE company. I have paid Rs,2000 to renew the policy last year. The customer support is not up to the mark from the BAJAJ ALLIANZ GENERAL INSURANCE company,because they dont give the intimations to renew the policy before the due date.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • National Insurance Two Wheeler Insurance
      "Below average"
      0.5 1.0/5 "Really Bad"
      I have a two wheeler insurance with National insurance. I have taken the insurance service directly from National insurance outlet. But I feel they needs to improve their response. The payments are generally through cheques and cash. It is a below average service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken Two wheeler insurance with ICICI Lombard,the premium amount is 1800 per annum,I make payment at the counter.The policy coverage amount is 50,000,i have no claim experience with them till date.This was taken seven months ago.The model of my bike is Bajaj 200 NS.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good banking"
      0.5 5.0/5 "Blown Away!"
      I have taken Two Wheeler Insurance with Bajaj Allianz,the premium amount is 1500 in year,its four months since i have taken this four months ago.The bike modal is TVS.I am happy using the policy ,the customer service is response is good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Better service"
      0.5 4.0/5 "Great!"
      I have got the two wheeler insurance policy from the ICICI LOMBARD GENERAL INSURANCE company around 3 years ago. The customer support service is good with the ICICI LOMBARD GENERAL INSURANCE general insurance company. They will give the reminders to renew the policy before the due date.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 19, 2018
    • Reliance General Two Wheeler Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I have paid Rs,2000 to renew the policy last year from the RELIANCE GENERAL INSURANCE company,. The policy coverage is good with this policy . I never had any claim experience with this policy ., I would say it is good to use the RELIANCE GENERAL INSURANCE company two wheeler insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 19, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have insured my two wheeler with the ICICI Lombard general insurance company. I would like to say that the customer service is good one and the response is better one for me with them. I have not met up the claims with them till now.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 17, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      Recently I faced claimed with ICICI lombard, My bike front part doom got damaged, they claimed the amount of Rs. 5000. They sent the executive, he came and took photos and approved my claim. I paid the amount around Rs. 10,000 they claimed Rs. 5000, they got tie up with wider network.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 16, 2018
    • New India Two Wheeler Insurance
      "Its Better"
      0.5 3.0/5 "Satisfactory"
      Earlier I had New India assurance, I paid the amount around Rs. 850 for one year, they gave me better coverage with road side assistance, third party and accidental cover. ICICI Lombard is better than New India assurance. Customer service was okay not that much satisfactory.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 16, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Average service"
      0.5 4.0/5 "Great!"
      Renewing my two wheeler insurance policy from the past 2 years with the ICICI LOMBARD GENERAL INSURANCE company. The response part is average with the ICICI LOMBARD GENERAL INSURANCE company., The policy coverage and the plan benefits are average with the ICICI LOMBARD GENERAL INSURANCE.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • National Insurance Two Wheeler Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      National Insurance IDV value is good based IRDAI regulation, the premium was also economical, I got my policy copy on time. I paid the some premium, its covers all like third party cover, accidental cover.life cover and road side assistance. My Royal Enfield bike got protected through them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good protection for two wheeler"
      0.5 4.0/5 "Great!"
      I have two year of bike insurance with ICICI Lombard, with good coverage like third party damage, road side assistance etc. The premium was good in ICICI Lombard, I paid the premium amount around Rs. 2000 to 3000. I have insured activa honda bike.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Better policy to use"
      0.5 5.0/5 "Blown Away!"
      For the past 6 years I renew my two wheeler insurance policy from the HDFC ERGO GENERAL INSURANCE. I have paid Rs,1100 to renew my policy last year. The policy coverage and the plan benefits are good with the HDFC ERGO GENERAL INSURANCE company.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 16, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a Life Insurance with LIC,the premium amount is 2400.The policy coverage amount is 50,000.I have no claim experience with them till date.The premium amount is paid through online.This was taken 6 years back,i have complete scheme details on the website.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 16, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I taken a two wheeler insurance policy with HDFC ERGO GENERAL INSURANCE. The policy and benefits are very good. I have not taken a claim so far. I have taken comprehensive insurance with HDFC ERGO GENERAL INSURANCE.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 16, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Average"
      0.5 4.0/5 "Great!"
      My two wheeler was insured with ICICI Lombard. I have taken this insurance by last year. The claim process was not satisfactory. I have no idea about the policy coverage and the plan benefits. I paid 1700 rupees for one year to purchase this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
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