Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • Two Wheeler Insurance: A Necessity For A Happy And Safe Ride

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    Owning a motorcycle is a joy like no other. While a two-wheeler acts as a primary mode of transport during regular days, we eagerly wait for the weekends to go for long rides and enjoy the thrill of biking. We make a lot of happy memories on our two-wheelers, but we largely ignore the ‘risk’ factor of riding a bike and do not pay enough attention to having an insurance that can support us during unfortunate times.

    Accidents are never in our control. A lot of times, it may not be even your fault but you may have to go through troubles that you never wanted. Insuring your two wheeler can be very helpful in such emergencies. The compensation provided by your insurance provider can at least cover you financially. The Motor Vehicles Act of 1988 makes it mandatory for bike owners to get their bike insured. Apart from being a legal necessity, a two-wheeler insurance has a lot of other benefits that we must consider seriously.

    How To Buy A Two Wheeler Insurance Policy?

    Buying a bike insurance today is not as complicated as it used to be. With the advancement of the digital ecosystem in India, you can now buy a bike insurance policy online with a lot more ease. All you are required to do is log on to the website of the insurer, fill in all the necessary details and buy the policy. Also, there are many neutral third-party websites where you can compare different policy options available and choose the one that offers you maximum benefits at reasonable premium.

    If you are not comfortable with the online purchase process, you may visit the office of the insurer, submit necessary documents, get the vehicle inspected and buy a policy that best suits your requirements. You may also approach insurance agents and brokers who will help you with your bike insurance needs.

    How Does A Bike Insurance Protect You?

    Your motorcycle or scooter is exposed to a variety of risks both on the road as well as off the road. A two-wheeler insurance can be a big support in such unfortunate events and can provide coverage against any damages or losses caused to you or your vehicle. Also, in case the damage or loss is caused to a third party or their properties, an insurance cover can protect you from any liabilities arising out of the same. A third-party policy need not be opted separately as it is the basic form of insurance as mandated by the law. However, it is better to get a comprehensive two-wheeler insurance as it offers you a larger scope of protection.

    What Is Covered In A Two Wheeler Insurance Policy?

    There are several types of incidents for which your bike insurance policy covers you, some of which are explained below:

    • Damages Or Losses Due To Natural Calamities

    Natural disasters such as earthquakes, floods, storms, tsunamis, heavy rains are inevitable. They may not or may be foreseen (by the weather department). But, one cannot guarantee the impact of those disasters on property and human lives. What’s the best thing you can do? Raise your guard higher with a two wheeler insurance plan.

    • Coverage Against Man-Made Calamities

    There can be a range of man-made calamities that can have a serious impact on you or your two-wheeler. Incidents such as theft, riots, burglary, terrorist attack, and other malicious acts by humans are also covered under a bike insurance policy. However, damages or losses caused due to attack or invasion by a foreign country are not covered in the policy. It is better to always have a backup plan for such events. Thus, having an insurance plan is very instrumental.

    • Claims For Accidental Injuries

    If you have never met an accident in your life, it does not mean you are immune to it. A lot of times it might not be your fault but you may get serious injuries that may need you to spend on medical treatment. There could be fractures, internal injuries, dislocation of joints and other injuries that are covered in your two-wheeler insurance policy.

    • Partial Disability Due To Accidents

    There could be accidents that may lead to partial disability such as temporary paralysis, or disability of any other part of body. With a motorcycle insurance policy, you are covered against all such losses.

    • Permanent/Total Disability Due To Accident

    In case there is permanent disability such as inability to walk or loss of vision, your insurance policy will cover the losses as well as the expenses on treatment.

    • Death

    In case of fatal accidents that cause the death of the rider or a third-party, the family of the deceased can file a claim from the insurance company. The insured can transfer their liability to the insurer.

    Considering all the points explained above, getting a two-wheeler insurance is not only important from a statutory point of view but also helps you during unfortunate events when you need money to cover for the losses or damages you go through. Now you can buy a two-wheeler insurance online and there are minimum hassles involved in the process. So don’t wait anymore, get a good comprehensive insurance policy today!

    Two Wheeler Insurance: A Necessity For A Happy And Safe Ride Reviews

  • Page 1 of 50 1 2 3 4 5
    • 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? 2
      , 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? 2
      , 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
    • New India Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with New India Assurance from last 5 years, i am happy with the coverage value of this insurance policy. I pay a premium of Rs 1100 for this insurance policy and i have no claim experience so far with this two wheeler insurance.
      Was this review helpful? 3
      , erode
      Reviewed on Aug 28, 2018
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