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Two Wheeler Insurance in Mumbai

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The commercial capital of India, Mumbai, has always witnessed a huge influx from all over the world to make it big in the world of entertainment, business, trade and finance. The city is densely populated, and Mumbai traffic is as dreaded as its monsoons. Mumbaikars rely a lot on two wheelers as a fast, convenient and cost effective mode of transport. Owing to this the city is known to have one of the highest number of two wheeler insurance buyers.

It is of utmost importance, for every two wheeler owner, to understand the need for buying a comprehensive two wheeler insurance policy. To ensure continued protection of your bike/scooter from accidents and other dangers, a two wheeler insurance policy necessary. Every two wheeler owner in India, for his own safety and as per law, must buy an insurance policy to protect himself and his vehicle. It also provides security against a wide range of natural and man-made calamities. Apart from this, your vehicle is protected against damages incurred due to unforeseen situations like theft, personal accident, third party liability and many more. Buying a two wheeler insurance policy is definitely worth the investment.

Buying the right bike insurance plan, which suits your needs the best, is a serious decision, hence you must take into account some crucial points before making a decision. Visit any neutral third party financial website to study and compare the various two wheeler insurance plans available in the market, and choose the policy that fulfils all your requirements. Also consider the type, make, and model of your two wheeler. This will further help you in choosing the right policy, as you can buy the insurance plan which will cover your two wheeler model as per its specifications and vulnerabilities. This is also important before you actually get an approval from insurance company. Some insurance companies offer attractive discounts and lucrative offers for owners of specific two wheeler models.

Any standard two wheeler insurance plan will cover you against loss/damages caused by the following natural and man-made calamities -

  • Fire
  • Explosion
  • Self-ignition
  • Lightning
  • Earthquake
  • Flood
  • Typhoon
  • Hurricane
  • Storm
  • Tempest
  • Inundation
  • Cyclone
  • Hailstorm
  • Frost
  • Landslide
  • Rockslide
  • Burglary
  • Theft
  • Riot/Strike/Malicious act
  • Accident by external means
  • Terrorist activity
  • Damage caused in transit rail, road, lift, inland waterway, elevator or air

Apart from this two wheeler insurance policyholders also get personal accident cover and third party liability cover. As per the Personal Accident Cover, the insurer covers of up to a certain amount in case of an accident leading to damage, loss, death or permanent disability.

Third party cover is categorized as a mandatory cover by the Government of India. This offers coverage against legal liability that occurs in the event of an accident resulting in the permanent injury or death of a third party. The plan will also cover damage caused to another/adjacent property.

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Two Wheeler Insurance Mumbai Reviews

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  • Iffco Tokio Two Wheeler Insurance
    "Quick Service "
    0.5 4.0/5 "Great!"
    I have bike policy with IFFCO TOKIYO, it was my friend bike later on it got transfered to my name with Iffco Tokiyo two wheeler policy, the insured value is good it has coverage for the loss and damage. On time they processed the policy on my name. I am happy about it.
    Was this review helpful? 2
    , mumbai
    Reviewed on Jan 10, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Good insurer"
    0.5 4.0/5 "Great!"
    The premium is low in HDFC Ergo general insurance, I have one year old splendor bike its has good value. The insurer company got tie up many service centers. I got third party coverage for my bike and they do have cash less service for any damage.
    Was this review helpful? 1
    , mumbai
    Reviewed on Jan 07, 2019
  • Shriram Two Wheeler Insurance
    "Good Policy"
    0.5 3.0/5 "Satisfactory"
    I have taken two wheeler insurance with Shriram general insurance from last 1 month. A premium of Rs 3454 has to be paid for this policy and it is for 2 years. I have no claim experience so far with this insurance and i am happy with the coverage value.
    Was this review helpful? 1
    , mumbai
    Reviewed on Dec 19, 2018
  • ICICI Lombard Two Wheeler Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My dealer has provided me a two wheeler insurance policy with ICICI Lombard when i purchase my bike. I have paid the premium amount of Rs. 2500. They have given me a 100% coverage and it covers for all the parts of the vehicle. Since the premium was high i was not continued with the same company and i had no claim experience with this policy.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 12, 2018
  • HDFC Ergo Two Wheeler Insurance
    "Fine and Good"
    0.5 5.0/5 "Blown Away!"
    I have purchased a two wheeler insurance with HDFC ergo. I have renewed the policy last month. Since the premium amount is very low, i have selected this HDFC Ergo. I have paid the premium amount of Rs. 2200. They have offered me a coverage value of Rs. 2 lakhs. The vehicle has covered upto 80%.
    Was this review helpful? 1
    , mumbai
    Reviewed on Dec 12, 2018
  • Reliance General Two Wheeler Insurance
    "Good Protection"
    0.5 4.0/5 "Great!"
    I have check the online the price is very commendable, the premium amount is around Rs 1500 for one year bike policy. Reliance Insurance gave me best insured value, the policy which I taken is comprehensive 100% protected. I have TVS apache bike.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 09, 2018
  • Chola Ms Two Wheeler Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have a two wheeler insurance policy with Cholamandalam from last 5-6 years, a premium of Rs 1900 has to be paid for this insurance policy every year. I have no claim experience so far with this insurance. I am happy with the policy benefits and plan coverage of this policy.
    Was this review helpful? 1
    , mumbai
    Reviewed on Dec 03, 2018
  • ICICI Lombard Two Wheeler Insurance
    "Neutral policy"
    0.5 3.0/5 "Satisfactory"
    The two wheeler insurance was provided by the showroom dealer with ICICI Lombard. It is a one year policy and its up for renewal. Other insurer are giving more benefits compared to ICICI Lombard. I have received the msg for the renewal but there was no followups.
    Was this review helpful? 1
    , mumbai
    Reviewed on Dec 02, 2018
  • HDFC Ergo Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have taken the two wheeler insurance policy last week. After doing market research I have selected the HDFC ergo since because of the advertisements and its good. The customer service is good I got the policy documents, I got the loss, damage, person accidental.
    Was this review helpful? 1
    , mumbai
    Reviewed on Dec 01, 2018
  • ICICI Lombard Two Wheeler Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been holding my TWO wheeler insurance with ICICI LOMBARD, i have just paid 2 premium , there service is good, there policy was explain clearly, but there is no accident claim available in this insurance and they have charged premium amount nominal.
    Was this review helpful? 0
    , mumbai
    Reviewed on Nov 28, 2018
  • ICICI Lombard Two Wheeler Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I am using the ICICI Lombard for the two wheeler insurance. The policy period is 3 years and the premium is reasonable. I have paid 3300 rupees through online. I haven't received the hard copy but they have sent the insurance paper soft copy within a week through mail.
    Was this review helpful? 1
    , mumbai
    Reviewed on Nov 22, 2018
  • HDFC Ergo Two Wheeler Insurance
    "Good insurance policy"
    0.5 4.0/5 "Great!"
    When i purchased the vehicle, the dealer has provided the insurance with HDFC Ergo. I have not used any claim with HDFC Ergo. I have not spoke with their customer care. I pay the premium amount through credit cards. Last year i have bought this policy. Since i'm existing customer of HDFC, i have selected my two wheeler policy with HDFC Ergo.
    Was this review helpful? 3
    , mumbai
    Reviewed on Nov 16, 2018
  • Bajaj Allianz Two Wheeler Insurance
    "Good"
    0.5 4.0/5 "Great!"
    It is very good and I have a two wheeler insurance with Bajaj Allianz and it was recommended by the showroom person. I have a Honda Activa bike. It is a one year policy. I got the insurance papers on time. There is helpline number to reach the customer support. The premium was paid through cheque.
    Was this review helpful? 5
    , mumbai
    Reviewed on Nov 16, 2018
  • ICICI Lombard Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have a two wheeler insurance policy with ICICI LOMBARD from last 5 years, i am happy with the plan benefits and policy coverage of this insurance policy. Rs 2500 has to be paid as an insurance premium and there was no claim experience so far.
    Was this review helpful? 1
    , mumbai
    Reviewed on Nov 01, 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 am happy with the coverage value and plan benefits of this insurance policy. I have no claim experience so far with this insurance policy so far and i pay a premium of Rs 2000.
    Was this review helpful? 8
    , mumbai
    Reviewed on Oct 01, 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 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? 6
    , mumbai
    Reviewed on Sep 14, 2018
  • HDFC Ergo Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I h ave a two wheeler insurance policy with HDFC ERGO from last 2 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 3000 for this two wheeler insurance policy.
    Was this review helpful? 4
    , mumbai
    Reviewed on Aug 21, 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? 2
    , mumbai
    Reviewed on Jul 10, 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 2 years and it is a good policy to use. 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 1200 has to be paid for this insurance policy.
    Was this review helpful? 3
    , mumbai
    Reviewed on Jul 03, 2018
  • Iffco Tokio Two Wheeler Insurance
    "Good Service so far"
    0.5 4.0/5 "Great!"
    I've a bike insurance policy from the IFFCO Tokyo . I am paying a premium of 1200. It covers the entire bike. I do not have any claim experience with the policy and they send soft copies to my email. Overall there hasn't been issues with th service so far.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jun 27, 2018
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