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About two wheeler insurance

Insurance transfers the risk to the insurance company by paying a certain amount at regular intervals called a premium.

Two-wheeler insurance is a similar agreement between you and the insurance company in which your two-wheeler is covered in case of any accident, physical damage to the vehicle, theft or sometimes third party liability in return for a premium.

Two-wheeler insurance includes motorbike insurance, scooty insurance and scooter insurance. In India, two-wheeler insurance companies offer a host of policies and benefits that are highly enjoyed by bikers and other two-wheeler owners.

Why is two wheeler insurance beneficial?

Biking may be your passion but in order to enjoy this passion without any hurdles, you need to understand the importance of insuring your vehicle. It not only shields you from third party liability, but also from physical damage and theft.

Some major benefits of two wheeler policies:

Legal coverage against third-party liability: Your two-wheeler policy will provide protection against legal implications in case your bike hits someone or causes an accident or damages their assets/ properties.

Covers your medical expenses: A two-wheeler policy saves you from financial liabilities in case of bike accidents that result in serious injuries. The policy will take care of hefty medical bills. This is possible if you opt for an additional accidental rider along with your policy.

Covers the pillion rider: If you have a passenger with you 90% of the time, it is highly recommended to get an additional rider covering pillion drivers. In case of emergencies, the policy will not only save you but also your passenger from financial stress.

Road assistance in case of vehicle break-down: There is always a possibility of your bike breaking down midway, where finding immediate assistance becomes exasperating. This type of insurance will provide road-side assistance by providing towing facilities.

Cover the repair cost of your bike: Most two-wheeler insurance companies provide cashless repair facilities within their network of garages. This helps customers save time, money and effort.

Are there any exclusion?

Two-wheeler insurance policies do not cover certain causes of damage of the vehicle.

  • Common wear and tear of vehicles
  • Electrical and mechanical breakdown
  • Loss or damage due to the depreciation of the vehicle
  • Loss or damage while driving under intoxication
  • Loss or damage caused by an unauthorized person without a valid driving license
  • Vehicles used other than in accordance with restrictions to use

Two wheeler insurance calculators

A two-wheeler insurance calculator is an online device that offers you the policy best suited for the type and age of the two-wheeler you possess. It enables you to compare the policies offered by various insurance carriers in order to select the most suitable coverage for your bike. The tool also helps you calculate the premium you will need to pay based on the following:

  • Age of the two-wheeler
  • Area of registration
  • IDV of the vehicle
  • Cubic capacity of the vehicle

Benefits of buying two wheeler insurance online:

Online insurance is the best way to buy two-wheeler insurance policies.

  • A convenient way of cashless settlement
  • 365 days support service
  • Instant claims assistance

As you already know insurance for bike is as essential as wearing helmet while riding your two-wheeler. Also, as per Indian law, riding bike without valid insurance is a punishable offence. Hence get your bike insurance today to enjoy a safe ride. PolicyBachat has made the process of buying bike insurance simple and fast. It has taken online bike insurance India to a whole new level where you can not only purchase the policy but also get quotes from various insurance providers and compare them before buying. Comparison helps you make the best choice. Whether bike insurance renewal or purchase of a new policy, Policybachat helps you compare premiums, features and benefits of policies provided by some of the top insurance companies in India so that you can choose the one best suited to your needs. For more information on how to get the best bike insurance, you can talk to our insurance experts at 1800 123 4006 / 1800 123 4003 or chat with us at