Compare Two-Wheeler Insurance - Find the Best Plan for Your Bike

Choosing the right two-wheeler insurance can feel confusing - every insurer promises “lowest premiums” and “best service.”

But the truth is, not all bike insurance plans are equal. The premium you pay depends on your bike’s IDV, RTO zone, claim history, and add-ons you select.

PolicyBachat helps you compare two-wheeler insurance plans online from 20+ top insurers.

Within seconds, you can view real quotes, see differences in IDV (Insured Declared Value), coverage, add-ons, and claim ratios - all in one place.

This guide explains how comparison works, why it saves money, and what to look for before buying or renewing your bike insurance.

Why Comparing Bike Insurance is Important

1 Avoid overpaying for the same coverage.
2 See which insurers offer higher IDV for your bike.
3 Discover discounts and NCB benefits others miss.
4 Identify insurers with faster claim settlements in .
5 Customize add-ons based on usage and location.

What to Compare Before you Buy

Factor	Description	Why It Matters
Premium	Cost of your policy (annual or multi-year)	Find best value for coverage.
IDV (Insured Declared Value)	Market value of your bike used to calculate premium	Higher IDV = better claim payout.
Coverage Type	Third-party vs comprehensive	Impacts price and protection.
Add-ons	Zero Dep, RSA, NCB Protect, Engine Cover	Expands coverage.
Claim Ratio	% of claims settled by insurer	Indicates reliability.
Garage Network	Number of cashless garages nearby	Easier repairs and faster service.

How to Compare Online

1 Visit PolicyBachat and choose “Two-Wheeler Insurance.”
2 Enter your bike registration number or select make, model, and city.
3 View live quotes from TATA AIA, Kotak General Insurance, and Oriental Insurance, etc.
4 Compare IDV, premium, and add-ons side by side.
5 Select, pay, and download your policy instantly.

Pro Tip: Sort insurers by Claim Settlement Ratio (CSR) for best claim support.

Cost Comparison

Bike Type	IDV Range (₹)	Premium Range (₹)	Popular Add-ons
Scooter	₹50,000–₹80,000	₹600–₹1,000	RSA, NCB Protect
Commuter Bike	₹70,000–₹1,00,000	₹900–₹1,200	Zero Dep, NCB Protect
Sports Bike	₹1,50,000–₹3,00,000	₹1,800–₹2,800	Zero Dep, Engine Protect
EV Bike	₹1,00,000–₹1,50,000	₹800–₹1,400	Battery Cover, Charger Cover

Advantages of Comparing Before Buying

Transparent pricing with no hidden costs.
Instant access to multiple insurers.
See how add-ons affect total premium.
Find insurer-specific benefits (e.g., free RSA).
Choose the right balance between price and protection.

Local Insights

Avg. two-wheeler premium difference: ₹1,500 between highest and lowest insurer.
Top 3 most compared models: Activa 6G, Pulsar 150, Splendor Plus.
Avg. IDV: ₹65,000.
Most popular insurers: TATA AIA, Kotak General Insurance, Oriental Insurance.

How Policybachat Helps you Compare Smartly

Real-time premium quotes from 20+ insurers.
Auto-calculated IDV based on your RTO.
Side-by-side comparison of claim ratios.
Add-on bundling for better discounts.
Digital policy issue with zero paperwork.

Things to Check Before Finalizing

1 Ensure IDV isn’t too low (affects claim payout).
2 Verify policy includes mandatory PA cover.
3 Review insurer’s claim ratio (above 90% = reliable).
4 Select add-ons wisely - don’t overbuy.
5 Double-check renewal dates and payment method.

Frequently Asked Questions

Why should I compare two-wheeler insurance?

To find the best price and coverage for your specific bike and location.

Is comparing online safe?

Yes, all insurers listed on PolicyBachat are IRDAI-approved.

Can I compare both new and renewal policies?

Yes, both options are available.

Does comparison affect my existing policy?

No, it’s risk-free - no data shared with insurers until you buy.

Can I switch insurer after comparing?

Yes, during renewal you can switch easily with NCB retention.

Do I get the same benefits online as offline?

Yes, but usually cheaper premiums online.

How is IDV calculated?

Based on your bike’s age, model, and RTO location.

Can I compare add-ons separately?

Yes, you can view premium impact of each.

Do electric bikes appear in comparisons?

Yes, with EV-specific covers and discounts.

What is the best claim ratio to look for?

90%+ indicates reliable service.

How often should I compare?

Every renewal cycle or when adding a new add-on.

Does comparison show long-term options?

Yes, 2–5 year plans are included.

Can I compare TP and comprehensive together?

Yes, both are displayed with separate pricing.

Will comparing reduce my premium automatically?

It shows cheaper options, but you choose the best fit.

Can I buy directly after comparing?

Yes, pay online and download instantly.

Customer Reviews

“Compared 6 insurers and saved ₹800 on renewal.”

Ravi K., Hyderabad

“Loved how easy it was to see IDV and claim ratios.”

Neha D., Mumbai

“Got the same coverage ₹500 cheaper than last year.”

Arjun M., Pune

“Transparent tool - no spam calls.”

Kavita R., Delhi

“PolicyBachat comparison helped me pick a better insurer.”

Sneha T., Chennai

“Quickest comparison I’ve seen - everything in one page.”

Vikram T., Bengaluru

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Compare Two-Wheeler Insurance Plans

Compare Two-Wheeler Insurance - Find The Best Plan For Your Bike