Insurance is like a spare tyre. You may not require it, but not having one is not an option.

Two Wheeler Insurance Chennai

 4.5 / 5.0   by 547 users
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In a city like Chennai where there is such a large number of people dependent on their own vehicles for transport, motor insurance is becoming more and more frequently found. The popularity of owning own two wheeler, like the rest of the country, is becoming more and more popular in Tamil Nadu. The percentage of households which own a scooter or motor bike has increased from 16.1% in 2001 to 32.3% in 2011. In urban areas the figure has been a whopping 68.22% in 2011. As you can image, the numbers today is even bigger. The reason behind this steep increase is not only the fact that more people can afford to buy their own vehicle, and thus increase their convenience in traffic, but also the fact that the public transport available is just not up to the mark.

Basic motor insurance is a necessary according to the Indian law when you purchase a vehicle. There are two types of two wheeler insurance that you can opt for: Third party liability and comprehensive. Third-party liability policy only takes care of the expense that you have caused the other party in the event of an accident. It does not protect your vehicle against loss or damage. This is why third party insurance is much less expensive than comprehensive policy. A comprehensive policy on the other hand protects your vehicle against theft, loss and damage. It also takes care of the expense the owner/rider (due to bodily damage) will have to face in the event of an accident. The third-party liability is also taken care of with this policy.

The process to claim an insurance involves you informing the insurance company at the earliest so that they can send an inspector to make a report on the damage and providing a number of documents to the insurance company (such as police report, photocopy of the driving license, a copy of registration certificate of the vehicle, duly signed claim form, original copy of the repair invoice etc.).

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Two Wheeler Insurance Chennai Reviews

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  • United India Two Wheeler Insurance
    "Smart Protection"
    0.5 5.0/5 "Blown Away!"
    My friend's relative working with United India Insurance, If I have any issues in the vehicle they will take care of it. There was no claim experience. I have insured honda activa scooter, the premium amount is reasonable I took comprehensive cover comes under third party, own damage include.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 19, 2019
  • New India Two Wheeler Insurance
    "Good Insurance company"
    0.5 4.0/5 "Great!"
    They are good in all service, without approach them they are providing good service. New India premium is economical, I paid the premium around Rs 7000 for three years. They gave me the third party cover, cash less service. They got tie up with many experience the agents are good.
    Was this review helpful? 2
    , chennai
    Reviewed on Jan 18, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Very Good Service"
    0.5 4.0/5 "Great!"
    I had taken this insurance policy almost four years back and i am paying the premium annually. The premium amount has not been high and the payment method has been simple. There has not been any claims made so far and the services which they had offered so far was good.
    Was this review helpful? 2
    , chennai
    Reviewed on Jan 17, 2019
  • Reliance General Two Wheeler Insurance
    "Should get tie up with more service centers"
    0.5 3.5/5 "Pretty good"
    Even for my Bajaj discover bike I had Reliance general insurance it has the tenure of one year, they gave me good insured value around Rs. 19,000, it covers for the loss, damage. They need to get tie up with chennai to get the hassle free service.
    Was this review helpful? 2
    , chennai
    Reviewed on Jan 10, 2019
  • Reliance General Two Wheeler Insurance
    "Easy Renewal"
    0.5 3.5/5 "Pretty good"
    Based on my experience Reliance insurance company is good, the premium is standard as per the current market. I have Honda it covers for loss, damage cover. There is no claim experience, I used to visit to the branch for the renewal they provide good service.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 10, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I have a two wheeler insurance with HDFC ERGO from last 4 years, a premium of Rs 1800 has to be paid for this insurance policy. I did not claim anything so far with this insurance policy. I am happy with the policy benefits and plan coverage of this policy.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 08, 2019
  • National Insurance Two Wheeler Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have taken a two wheeler insurance from National Insurance. I have used the online portal and done a comparison, got National Insurance which has least premium. The policy period is one year. I don't have any claim experience. I got the insurance soft copy online and not received hard copy.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 08, 2019
  • Bajaj Allianz Two Wheeler Insurance
    "Smart protection"
    0.5 4.0/5 "Great!"
    The premium amount is economical in Bajaj Allianz, compared to other insurance companies. I got my policy copy on time through online I got the soft copy. When I bought the bike they suggested this insurer, then I got the third party insurance.
    Was this review helpful? 3
    , chennai
    Reviewed on Jan 07, 2019
  • National Insurance Two Wheeler Insurance
    "Best company and you can choose any General insurance"
    0.5 5.0/5 "Blown Away!"
    I never faced any problems with National Two Wheeler Insurance. Its very good insurance. I am holding this policy for 7 years and this is a best insurance policy in India. This time i have received the no claim bonus of 50% and i have paid the premium amount of Rs. 1100. They have given me a coverage value of Rs. 36000.
    Was this review helpful? 2
    , chennai
    Reviewed on Jan 07, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Smart Protection"
    0.5 4.5/5 "Excellent!"
    I got my bike policy copy on time from the ICICI lombard general insurance. I have taken the policy before 1.5 year, I have purchased Honda honor bike they gave me the best insured value. I have third party insurance, they got tie up with many service center.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 05, 2019
  • Reliance General Two Wheeler Insurance
    "No claim experience"
    0.5 3.0/5 "Satisfactory"
    I pay the premium amount of Rs. 2000. Last 4 years, i have been renewing the policy from Reliance. I don't have any claim experience till now. My dealer has provided me about two wheeler insurance policy from Reliance. I have received a no claim bonus every year. There is no much difference between the benefits about this insurance company and others.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 03, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Its good"
    0.5 2.0/5 "Expected more"
    I took three years bike insurance, the premium is reasonable, the renewal procedure is very easy without visiting to the insurance company I can renew it. When I went to petrol bunk no other go, hence I have taken this HDFC Ergo policy but I wont recommend because of non transparency service.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 03, 2019
  • Bharti Axa Two Wheeler Insurance
    "Coverage value has to improve"
    0.5 4.0/5 "Great!"
    I have been taking the two wheeler insurance for past 4 years continuously from Bharti AXA. I pay the premium amount of RS. 7500 and I'm not satisfied with the coverage value. I renew the policy through online. I have not claimed anything in this policy. They are giving coverage upto 100%.
    Was this review helpful? 1
    , chennai
    Reviewed on Dec 29, 2018
  • Bharti Axa Two Wheeler Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my Two wheeler insurance with Bharati AXA , there service is good, while applying through insurance there agent had explain me clearly, about there service , so far there is no claim yet and I normally make the payment through online.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 27, 2018
  • ICICI Lombard Two Wheeler Insurance
    "Good protection for two wheeler"
    0.5 3.5/5 "Pretty good"
    In ICICI lombard I took two wheeler policy I have yamaha passion they gave me excellent insured value. I have taken the third party cover. There is no claim experience, the renewal part is also easy . The have many work shop centers located near to my place.
    Was this review helpful? 2
    , chennai
    Reviewed on Dec 20, 2018
  • HDFC Ergo Two Wheeler Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    My two wheeler is insured with HDFC ERGO from last 1 year, I pay a premium of Rs 15000 for this insurance policy. I have no claim experience so far with this two wheeler insurance. I am happy with the policy benefits and plan coverage of this policy.
    Was this review helpful? 1
    , chennai
    Reviewed on Dec 19, 2018
  • L and T Two Wheeler Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    L&T GENERAL INSURANCE gives me more benefits on the bike policy, the premium which I paid around Rs. 3500 for bike policy they gave me the IDV value around Rs.1.16 lakh. I have Yahama bike, there is no claim experience. I have been using this policy from the day one.
    Was this review helpful? 1
    , chennai
    Reviewed on Dec 14, 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 1 year, a premium of Rs 1000 has to be paid every year for this insurance policy. I have no claim experience so far with this insurance policy. I am happy with the plan benefits and policy coverage of this insurance.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 13, 2018
  • Bajaj Allianz Two Wheeler Insurance
    "Average policy"
    0.5 5.0/5 "Blown Away!"
    I have not faced any problems with Bajaj Allianz Policy. My two wheeler insurance policy was taken with Bajaj Allianz. I have renewing the policy for continuously for 4 years. I have paid the premium amount of Rs. 1900 for one year. They have offered me a coverage value of Rs. 61000. They charging the penalty for late renewal of the policy.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 07, 2018
  • ICICI Lombard Two Wheeler Insurance
    "Better premium for best IDV for 3 years"
    0.5 4.5/5 "Excellent!"
    I have Star City bike its 2012 model, I took ICICI lombard bike policy because the premium was good when compared to other insurance company. I have reliance general insurance earlier, then I came to ICICI lombard providing three years tenure and the value of the bike remains same.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 07, 2018
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