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
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a two wheeler insurance policy with HDFC ERGO from last 3 months, 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 2100 has to be paid for this insurance policy.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Jul 20, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good insurance policy"
      0.5 5.0/5 "Blown Away!"
      I did the insurance and keeping the paper. I'm not aware of the plans and benefits the policy. I have purchased this insurance nearly 1 year before. I made the premium amount of Rs. 1600 and i used to make the payment through cash. I never experienced of the claiming process in ICICI hence i did not speak with the customer care service also.
      Was this review helpful? 1
      , chennai
      Reviewed on Jul 19, 2018
    • Bharti Axa Two Wheeler Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my two wheeler insured with Bharti Axa from last 11 years, i am happy with the coverage an plan benefits of this insurance policy. A premium of Rs 1100 has to be paid for this insurance policy. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 2
      , chennai
      Reviewed on Jul 18, 2018
    • Bharti Axa Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have taken a two wheeler insurance with Bharti Axa from last 7-8 months, i am happy with the coverage and plan benefits of this insurance policy. I have not claimed anything so far from this insurance policy. I have to pay a premium of Rs 1400 for this insurance policy.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 18, 2018
    • Oriental Insurance Two Wheeler Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the Bike Insurance policy with the Oriental Insurance Company. I am paying a premium of 2000, the policy covers the entire bike. I do not have any claim experience with the policy either. So far it has been a good experience with their services.
      Was this review helpful? 3
      , bangalore
      Reviewed on Jul 17, 2018
    • National Insurance Two Wheeler Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with National Insurance from last 15 years, it is a family health policy with the coverage value of Rs 3 lakhs. I have not claimed anything so far from this insurance policy. I am not aware of the premium amount as the company pays it.
      Was this review helpful? 2
      , new delhi
      Reviewed on Jul 17, 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 7 years, i am happy with the coverage value of this insurance policy. A premium of Rs 800 has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 17, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a bike insurance policy with the Bajaj Allianz. I am paying a premium 1200 per year. The policy covers the entire bike. I never had any claim experience with the policy. I'll have to wait and see how they respond to my claim requests in future.
      Was this review helpful? 2
      , kolkata
      Reviewed on Jul 16, 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 6 years, i am happy with the coverage value of this insurance policy. I pay a premium of Rs 1200 for this insurance policy. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Jul 16, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My two wheeler insurance is with Bajaj Allianz from last 9 months, i am happy with the coverage value of this insurance policy. A premium of Rs 3000 has to be paid for this insurance policy. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 4
      , kolkata
      Reviewed on Jul 13, 2018
    • Reliance General Two Wheeler Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      My bike is insured the Reliance General insurance. I have paid a premium of 4000 for three years, I do not have any claim experience and the policy covers the entire bike. So far it has been a hassle free experience with the policy and I'll have to wait and evaluate their services in future.
      Was this review helpful? 3
      , kochi
      Reviewed on Jul 13, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I was using the Bajaj Allianz bike insurance policy initially. The policy was very good, It was approaching maturity and I changed to a different provider. I do have a claim experience with the policy. The claim process was seamless and hassle free. It is a recommendable bike insurance provider.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Jul 12, 2018
    • Reliance General Two Wheeler Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My bike is insured with the Reliance general Insurance. I am paying a premium of 1500 year, the policy covers only metal parts. I do not have any claim experience with the policy and so far it has been a smooth experience. I'll have to wait and see about their approach in case if I will have any claims in future.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 12, 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 1.5 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I am not aware of the premium amount but i am satisfied with the plan benefits of this policy.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jul 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 8-9 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 premium of Rs 1200 for this insurance policy.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 10, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      My bike is insured with the ICICI Lombard General Insurance. I pay a premium of 1600 annually. The the policy covers entire bike. I do not have any claim experience with this policy either. So far it has been a smooth experience with their services.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jul 10, 2018
    • New India Two Wheeler Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      My bike is insured with the New India Insurance company. I pay a premium of 1200 per year, I do not have any claim experience so far and The policy covers the entire bike. I make payments online. Overall it has been a good experience so far.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 10, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Average Policy"
      0.5 1.0/5 "Really Bad"
      I have taken two wheeler insurance from Icici Lombard general insurance . Am satisfied with the premium amount what am paying . I made the payment through on-line for one year. Its an average policy wont be recommending . Their customer service and response is not up to the mark.
      Was this review helpful? 1
      , greater noida
      Reviewed on Jul 10, 2018
    • United India Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a two wheeler insurance with United India Insurance from last 7 years, i pay a premium of approx Rs 800 for this insurance policy and it has to be renewed every year. I have no claim experience so far from this insurance policy and i am happy with the coverage value.
      Was this review helpful? 2
      , guwahati
      Reviewed on Jul 09, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "The Service needs Improvements"
      0.5 2.5/5 "Just OK"
      I've a bike insurance policy with the Bajaj Allianz for which I pay a premium of 1600 per year. I got accident, no service was provided. I am not at all happy with their services. Overall they need to be more customer oriented and provide proper assistance to their customers.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 06, 2018
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