• 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
      "best policy"
      0.5 5.0/5 "Blown Away!"
      I had taken a two wheeler insurance policy from the top most private sector insurance company ICICI LOMBARD GENERAL INSURANCE. My annual premium is very reasonable by comparing with other insurance products which is 1900/-. . I can prefer online to renew my two wheeler insurance policy with in the due date. I had bought this two wheeler insurance policy along with my vehicle.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 18, 2018
    • New India Two Wheeler Insurance
      "Good Policy"
      0.5 3.5/5 "Pretty good"
      I have my two wheeler insured with New India Assurance 1 year back, i am happy with the coverage value of this insurance policy. I did not claim anything so far from this insurance policy. A premium of Rs 1200 has to be paid for this two wheeler insurance.
      Was this review helpful? 0
      , noida
      Reviewed on Apr 18, 2018
    • Liberty Videocon Two Wheeler Insurance
      "better experience"
      0.5 4.0/5 "Great!"
      I had taken a two wheeler insurance policy from the public sector insurance company LIBERTY VIDEOCON GENERAL INSURANCE. My annual premium amount is quite high by comparing with other premiums. I did not received my policy document by mail and hard copy too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • HDFC Ergo Two Wheeler Insurance
      "best policy"
      0.5 5.0/5 "Blown Away!"
      I had taken a two wheeler insurance policy from the public sector insurance company HDFC ERGO GENERAL INSURANCE. My annual premium amount is Rs. 4000/- which is very reasonable by comparing with other premiums. I had received my policy document by mail.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • National Insurance Two Wheeler Insurance
      "best policy"
      0.5 4.0/5 "Great!"
      I had taken a two wheeler insurance policy from the public sector insurance company NATIONAL INSURANCE. My annual premium amount is Rs. 1600/- which is very reasonable by comparing with other premiums. I had received my policy document by mail.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 18, 2018
    • ICICI Lombard Two Wheeler Insurance
      "good policy"
      0.5 4.0/5 "Great!"
      I had taken a two wheeler insurance policy from the top most private sector insurance company ICICI LOMBARD GENERAL INSURANCE. My annual premium amount is very reasonable by comparing with other premiums. I had received my policy document to my registered communication address.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 18, 2018
    • Iffco Tokio Two Wheeler Insurance
      "Average service"
      0.5 2.0/5 "Expected more"
      I have got the two wheeler insurance policy from the IFFCO TOKIO around 2 years ago. I have paid Rs, 1800 to get this policy from the Iffco tokio and this policy has the tenure of 2years. The customer support service and the response is good here, and they won't give the intimations to renew the policy on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • Iffco Tokio Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with IFFCO TOKYO from last 4-5 years, i do not have claim experience so far with this insurance policy. A premium of Rs 1200-1500 has to be paid for this insurance and i am happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • Bharti Axa Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have recently taken a two wheeler insurance with Bharti Axa general insurance 6 months back. The coverage value of this insurance policy is 50% which is satisfactory. I have not claimed anything so far from this insurance and i pay a premium of Rs 1100 for this insurance policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • National Insurance Two Wheeler Insurance
      "Not satisfied"
      0.5 2.5/5 "Just OK"
      I have my two wheeler insured with National insurance from last 1 year, I am not satisfied with the coverage value of this insurance. I had a claim experience but they covered only 70-80%. A premium of Rs 1300 has to be paid every year for this insurance policy.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 17, 2018
    • Iffco Tokio Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a two wheeler insurance with IFFCO TOKYO from more than 5 years, the coverage value of this insurance policy is satisfactory. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 1000 every year for this insurance policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • Bharti Axa Two Wheeler Insurance
      "better experience"
      0.5 3.0/5 "Satisfactory"
      I had taken a two wheeler insurance policy for my vehicle from the top most insurance company BHARTI AXA GENERAL INSURANCE. I didn't received my policy document. The customer support is not up to mark. My annual premium is very reasonable by comparing with other premiums.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • Reliance General Two Wheeler Insurance
      "good policy"
      0.5 3.0/5 "Satisfactory"
      I had taken a Two insurance policy from the RELIANCE GENERAL INSURANCE. My annual premium is Rs, 1000/- which is very reasonable by comparing other premiums. I had received policy hard copy document by registered post. I dint have any claim experience so i am unable to comment on it.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 17, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Average policy to use"
      0.5 3.0/5 "Satisfactory"
      The HDFC ergo has given me the two wheeler insurance policy, and I renew the policy for the past 4 years. The customer support service is not giving the intimations to renew the policy on time. I don't have any claim experience with this HDFC ergo two wheeler insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 17, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I got the two wheeler Insurance policy from the ICICI LOMBARD GENERAL INSURANCE last year. The customer support service is good with the ICICI Lombard ,because they give good response to the customers. I have paid Rs,1500 to renew the policy last time.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 17, 2018
    • New India Two Wheeler Insurance
      "Better policy to use"
      0.5 4.0/5 "Great!"
      Renewing the two wheeler insurance policy from the New India assurance company and I renew it for the 4th time. I don't have any claim experience from this new India assurance two wheeler insurance policy , but I would say the policy is better to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 16, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a two wheeler insurance with HDFC ERGO from last 6 years, the coverage value of this insurance policy is satisfactory. I have not claimed anything so far with this insurance policy. A premium of Rs 1600 has to be paid for this insurance policy every year.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 16, 2018
    • Magma HDI Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with Magma insurance from last 1 year, a premium of Rs 1600 has to be paid every year for this insurance policy. I have not taken any claim experience so far with this insurance and i am satisfied with the coverage value of this insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 16, 2018
    • Iffco Tokio Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have recently taken a two wheeler insurance from IFFCO TOKYO 1 month back, i am happy with the coverage value of this insurance and i have not claimed anything so far from this insuranc. I pay a premium of Rs 1200 for this insurance policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 16, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with HDFC ERGO 9-10 years, it is one of the good insurance policy to use. I have not claimed anything so far with this insurance and the coverage value of this insurance is 60-70% and i pay a premium of Rs 1200-1500.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 16, 2018
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