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Frequently Asked Questions

What is two wheeler insurance?
The two wheeler insurance or bike insurance is a contract between the insured customer and the insurance company in which the latter agrees to pay the claim to the customer in case of an accident or damage to the bike in return for a nominal amount from the insured customer known as “Premium”. The premium for two wheeler insurance can be calculated online using the two wheeler or bike insurance premium calculators.
Is two wheeler insurance mandatory?
Two wheeler insurance or bike insurance is mandatory for any two wheeler bike to ply in public places as per the Motor vehicles act, 1938. Third party bike insurance is mandatory for every two wheeler to drive in public places. Without valid insurance you can be fined up to Rs.5000 and/or 3 months imprisonment or both.
What is long term two wheeler insurance?
Long term two wheeler insurance is the insurance given for a period of more than 1 year. Most of the insurance companies offer insurance coverage for more than a year in packets of 2 years policy, 3 years policy and 5 years policy. The premium for long term bike insurance is to be paid upfront to the insurance company. In case of long term two wheeler insurance the insured declared value is calculated for each year and the premium is calculated for each year. Long term two wheeler insurance is gaining traction these days as premium can be paid once and there would be no tension of renewal for a longer period of time.
What is Bumper to bumper in bike insurance?
Bumper to bumper cover is also known as nil depreciation or zero depreciation which covers the cost of depreciation at the time of claim settlement. Depreciation is the reduction in the value of a part over a period of time due to wear and tear. The depreciation is factored at the time of claim settlement without a depreciation cover add-on. To prevent the deduction of depreciation from the total claim amount at the time of claim settlement it is advisable to take a bumper to bumper cover for your bike. The bumper to bumper add-on is available in payment of additional premium to the insurance company.
How to cancel my bike insurance policy?

Bike insurance policy needs to be cancelled in the below scenarios:

  • The coverage mentioned in the quote or explained to the customer is different from that reflecting in the bike insurance policy copy.
  • Customer is not satisfied with the after sales provided by the insurance company.
For cancellation of bike insurance policy, customer needs to send a written mail to the insurance company requesting cancellation of the insurance policy. If the policy is within the free look period there would be not deduction in premium paid. If the policy is outside the pre look period, pro-rata premium would be paid to the customer by the insurance company.
What will happen if I don’t renew my bike insurance on time?
If you don’t renew your bike insurance before the expiry date, then your bike insurance policy will lapse. If the bike insurance policy is lapsed, your bike would be vulnerable to the accidents and claims. It is of utmost importance to renew your bike insurance policy before the expiry to prevent it from getting lapsed. If the bike insurance is not renewed within 90 days of expiry the existing NCB will also lapse. To prevent the loss of NCB it is advisable to renew your bike insurance policy online at our portal.
What is Comprehensive Package policy?
Comprehensive bike insurance package policy has two sections namely; Own damage and Third party. Third party section covers the death or bodily injury of third parties in case of an accident in addition to the property damage of third parties while the own damage section covers the loss or damage to the bike due to an insured peril operating at the time of loss or accident. The comprehensive package policy is also known as Full insurance in the market which covers both the bike as well as third party claims.
Is it safe to purchase bike insurance online?
It is 100% Safe, Secure and Reliable to purchase bike insurance online from Policy Bachat. We ensure that the transactions are done smoothly between the insured customer and the insurance company. The payment is done directly to the insurance company without any middlemen involvement which reduces the chance of siphoning of your money. The money is directly paid to the insurance company and the policy is generated instantly which makes bike insurance purchase online with Policy Bachat highly safe.
Is my insurance valid if I drive my vehicle in another state?
Yes, insurance copy of your bike is valid throughout India and can be carried with your bike anywhere in India. If you are driving your vehicle in a state other than from which you took the insurance, it is important to abide by the local laws to make sure the insurance claim is valid. In case of claim you can utilise the network garage all over India to avail the cashless claim of your bike.
How to get the cheap bike insurance premium?

The cheap and best bike insurance premium quotes can be found online on our portal. Bike premium can be reduced in the following ways and the cheap bike insurance quotes can be generated online:-

  • Only third party insurance can reduce the premium drastically and cheap quotation can be generated.
  • Opting for higher voluntary deductible reduces the overall premium to be paid thereby making the bike insurance cheap.
  • Purchasing bike insurance online where you can have many options and the cheap option can be selected from the list of available companies.
  • Fitting of anti theft devices and having AAA membership can also reduce the bike insurance premium to be paid to the insurance companies.

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