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

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  • ICICI Lombard Two Wheeler Insurance
    "Need a reminder call"
    0.5 4.0/5 "Great!"
    I took my two wheeler insurance with ICICI Lombard. I have been with them for around 7 years and the services are good. I have no claim experience. The premium is reasonable. The benefits are less compared to others. There was no reminder call from the customer support during the policy renewal, it would be great if they do it.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 23, 2019
  • Iffco Tokio Two Wheeler Insurance
    "Good exper"
    0.5 5.0/5 "Blown Away!"
    My two wheeler insurance is with Iffco Tokio. The premium is good and I have no claim. I spoke to the customer service and it was a good experience. I have chosen first party insurance. I have received the insurance paper. I have paid Rs.1300 approx through card to purchase one year policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 23, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Good "
    0.5 5.0/5 "Blown Away!"
    I took my two wheeler insurance from ICICI Lombard and its been 2 years. I have purchased a new bike so the insurance was offered by the showroom. Every year premium varies by the Government and its reasonable.I got the insurance paper. Am not sure about the benefits. It is a first party insurance.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 23, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have taken two wheeler insurance policy with ICICI Lombard for 3 years. A premium of Rs 2000-3000 has to be paid for this insurance policy. I have no claim experience so far with this insurance and the policy benefits are good in this insurance.
    Was this review helpful? 0
    , jaipur
    Reviewed on Jan 23, 2019
  • Reliance General Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have taken two wheeler insurance from Reliance for 5 years and i am having this insurance from last 3 months. A premium of Rs 4200 has to be paid for this insurance policy. I do not have claim experience so far with this insurance.
    Was this review helpful? 0
    , surat
    Reviewed on Jan 23, 2019
  • 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, there was no claim experience so far with this insurance policy and i pay a premium of Rs 850 for this insurance. I am happy with the plan benefits and plan coverage of this policy
    Was this review helpful? 0
    , pune
    Reviewed on Jan 23, 2019
  • Reliance General Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have two wheeler insurance with Reliance general from last 1 year. A premium of Rs 1800 has to be paid for this insurance policy every year. I have not claimed anything so far with this insurance policy. I am happy with the plan benefits and policy coverage of this insurance.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 23, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Better Policy"
    0.5 3.0/5 "Satisfactory"
    My two wheeler insurance policy was taken from ICICI Lombard. The dealer has provided this policy hence i'm not aware of the premium amount. They have given me a IDV value of Rs. 70000 which covered for 100%. I had no claim experience with this policy.
    Was this review helpful? 2
    , bangalore
    Reviewed on Jan 22, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My two wheeler policy was bought from 2014. There is no reason for choosing this policy. I am paying the premium amount of Rs. 2100. They have offered me a coverage amount of Rs. 31000. I will make the payment through cheque and i renew the policy by own.
    Was this review helpful? 1
    , ahmedabad
    Reviewed on Jan 22, 2019
  • Bajaj Allianz Two Wheeler Insurance
    "Good Claim Experience"
    0.5 5.0/5 "Blown Away!"
    I have invested my splendor bike with Bajaj Allianz, it was stolen in 2014. Then I applied for claim, within 2.5 months they have settled the money through account transfer, the customer support is very prompt they understood and cleared the issue.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 21, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Smart Protection"
    0.5 2.5/5 "Just OK"
    I don't have any claim with ICICI Lombard, they are doing good job in terms of insured declared value. The representative issued the policy on time . I have scooter jupitar its around two years old. For that bike I took first party insurance is good.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 21, 2019
  • National Insurance Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have a two wheeler insurance with National insurance from last 1 year. A premium of Rs 2000 has to be paid for this insurance policy. I have not claimed anything so far with this insurance policy. I am happy with the plan benefits and policy coverage of this insurance.
    Was this review helpful? 0
    , indore
    Reviewed on Jan 21, 2019
  • Bajaj Allianz Two Wheeler Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I have my two wheeler insured with Bajaj Allianz from last 1 year, a premium of Rs 2600 has to be paid for this insurance policy. I have 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? 0
    , hojai
    Reviewed on Jan 21, 2019
  • 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 1200-1500 has to be paid for this insurance policy. There was no claim experience so far with this insurance policy. I am happy with the plan benefits and policy coverage for this insurance.
    Was this review helpful? 0
    , rewari
    Reviewed on Jan 21, 2019
  • Reliance General Two Wheeler Insurance
    "Yet to experience the policy"
    0.5 4.0/5 "Great!"
    I am holding my two wheeler insurance from Reliance. I have not claimed anything from this policy. I pay the premium amount which is bit high compared to last year. I have chosen the reliance because the insurance is located nearby my place. They have given me a nominal IDV value. The service is prompt when i went for the renewal.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 21, 2019
  • National Insurance Two Wheeler Insurance
    "Good Insurance Company"
    0.5 4.0/5 "Great!"
    I have Hero glamer bike, I think I paid the premium around Rs. 3000 to 4000 to National insurance. My vehicle is around one year, its a first insurance I took through showroom. On time I got the paper from the insurer, they got tie up 3 to 4 service centers in Bhubaneswar.
    Was this review helpful? 1
    , bhubaneshwar
    Reviewed on Jan 21, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Trusted Insurer"
    0.5 5.0/5 "Blown Away!"
    ICICI lombard its a nice insurance company, I am holding bike policy with them around one year. I have invested pulsar bike by taking comprehensive plan. The customer care is good on time they have generated the policy. I have 80% of cover based on the vehicle age.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 21, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Best Policy"
    0.5 5.0/5 "Blown Away!"
    I have taken two wheeler insurance from Hdfc General insurance . I made the payment for 1 years through online banking . Customer service and responce is average as thye have explained the benefits of the policy .This policy covers with road side assistance and bumper to bumper coverage and the premium amount which am making for this is pretty economy .
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 20, 2019
  • Royal Sundaram Two Wheeler Insurance
    "Low Premium with Higher IDV value"
    0.5 5.0/5 "Blown Away!"
    My two wheeler insurance purchased from Royal Sundaram. They are giving the higher IDV value hence i have chosen this company. I pay the premium amount of Rs. 1000. They have given me a IDV value of Rs. 24000. I have renewed the policy through online.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Good Protection with HDFC Ergo"
    0.5 5.0/5 "Blown Away!"
    My Activa Honda got insured with HDFC Ergo, I have been with them around two years, total term of my two wheeler policy is around three years. The premium amount is lesser based on the vehicle age. I took first party insurance its good and satisfactory.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 19, 2019
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