Buy Two-Wheeler Insurance Online - Compare, Choose & Save Instantly

Buying two-wheeler insurance doesn’t need to be complicated or time-consuming.

With PolicyBachat, you can compare, customize, and buy your bike insurance online in minutes - no paperwork, no agents, and no hidden costs.

Whether you’re insuring a new motorcycle, scooter, or renewing an expired policy, our platform brings live quotes from India’s top insurers, helping you pick the best price and protection for your riding style.

In you can instantly view premiums, IDV ranges, add-ons like Zero Depreciation and Roadside Assistance, and secure a digital policy copy you can download immediately after payment.

Why Buy Two-Wheeler Insurance Online

1 Instant Policy: No paperwork or delays - download PDF instantly.
2 Compare Multiple Insurers: View premiums, IDV, and add-ons side by side.
3 Save Money: Up to 40% cheaper than offline renewals.
4 Zero Middlemen: 100% transparent pricing.
5 24×7 Access: Buy, renew, or file claims anytime, anywhere.

Types of Coverage Available

Type	Covers	Best For
Third-Party Only	Legal liabilities to others; mandatory by law.	Older bikes, low-usage riders.
Comprehensive	Third-party + damage to your own bike (accident, theft, flood, fire).	New or mid-value bikes.
Standalone OD	Own damage only, if you already have long-term TP cover.	Renewals or policy upgrades.

How to Buy Two-Wheeler Insurance Online

1 Visit PolicyBachat: Select “Two-Wheeler Insurance.”
2 Enter bike details: Provide your bike number or choose make, model, and city.
3 Compare quotes: Review plans from TATA AIA, Kotak General Insurance, and Oriental Insurance.
4 Customize: Adjust IDV and choose add-ons as needed.
5 Instant purchase: Pay online and download your policy immediately.

Pro Tip: Have your RC and old policy handy for quick entry.

Key Add-Ons to Consider

Zero Depreciation: Full claim without part depreciation.
NCB Protect: Keeps your NCB intact after one minor claim.
Roadside Assistance: Towing, battery, fuel, and flat tyre support.
Engine Protect: Covers oil or water damage.
Personal Accident (PA) Cover: ₹15 lakh coverage for owner-driver (mandatory).

How Much Does it Cost

Bike Type	IDV (₹)	Avg. Premium (₹)	NCB Discount (Max)
Scooter (Activa, Access)	₹55,000–₹80,000	₹600–₹1,000	50%
Commuter Bike (Splendor, Shine)	₹70,000–₹1,00,000	₹800–₹1,200	50%
Sports Bike (R15, Pulsar, KTM)	₹1,50,000–₹3,00,000	₹1,500–₹2,800	50%
Electric Bike	₹1,00,000–₹1,50,000	₹900–₹1,500	45%

Local Insights

Top 3 insurers for two-wheelers: TATA AIA, Kotak General Insurance, and Oriental Insurance.
Most insured bikes: Activa 6G, Splendor Plus, Pulsar 150.
Average claim turnaround time: 3–5 days.
% of riders choosing comprehensive: 72%.

Documents Required (Online Purchase)

Step 1

Bike registration number (RC).

Step 2

Previous policy number (if renewal).

Step 3

Personal details (name, email, mobile, address).

Step 4

Payment method (UPI, debit/credit card, or net banking).

Frequently Asked Questions

Is two-wheeler insurance mandatory?

Yes, third-party insurance is compulsory for all bikes in India.

Can I buy bike insurance without visiting an office?

Yes, PolicyBachat allows 100% online purchase and renewal.

How long does it take to buy bike insurance online?

Usually under 3 minutes.

What’s the minimum cover I need?

Third-party liability cover is mandatory by law.

Does online insurance offer the same coverage?

Yes, it’s identical to offline policies - just faster and cheaper.

Can I pay monthly for bike insurance?

Some insurers allow EMI options for long-term policies.

Is the policy valid across India?

Yes, digital policies are valid nationwide.

Can I insure a second-hand bike?

Yes, after ownership transfer is complete.

Do I need inspection for new bikes?

No, only for expired or lapsed policies.

What if I enter wrong registration number?

You can request correction from the insurer within 48 hours.

Does bike insurance cover theft?

Yes, under comprehensive coverage.

Can I renew after policy lapse?

Yes, but inspection may be required if over 90 days.

Does bike insurance cover accessories?

Yes, with an add-on for accessories cover.

How can I get cheapest bike insurance?

Compare, keep NCB intact, and avoid unnecessary add-ons.

Are digital policies accepted by traffic police?

Yes, e-policies stored in DigiLocker or mParivahan are valid.

Customer Reviews

“Bought my Activa’s policy in 2 minutes - seamless.”

Ravi G., Pune

“Compared 5 insurers, saved ₹500 instantly.”

Sneha D., Bengaluru

“Zero Dep is totally worth it for new bikes.”

Vikram T., Delhi

“Smooth renewal, instant PDF received.”

Kavita R., Chennai

“PolicyBachat’s calculator helped me pick the right IDV.”

Arjun M., Hyderabad

“Very transparent pricing - no hidden costs.”

Priya S., Mumbai

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