Bike Insurance – Essential Protection for Your Two-Wheeler Bike Insurance is a type of general insurance that offers financial protection to motorcycle and scooter owners against unforeseen events such as accidents, theft, natural disasters, fire, or third-party liabilities. It ensures that any damage to your bike or liability arising from injuries or damage to others is covered, helping you avoid financial stress. Whether you own a standard bike, a premium sports bike, or a scooter, having valid two-wheeler insurance is not just a smart financial decision—it’s also legally mandatory in India under the Motor Vehicles Act.
Requirement of document
Key Features of Bike Insurance:
✅ Covers Own Damage – Protection against loss or damage due to accidents, fire, theft, floods, etc.
✅ Third-Party Cover – Legal liability coverage for injury, death, or property damage to a third party
✅ Personal Accident Cover – Coverage for injuries or death of the owner/driver
✅ Add-on Benefits – Zero depreciation, roadside assistance, engine protection, and more
✅ Cashless Repairs – Network of garages for hassle-free repairs without upfront payment
✅ No Claim Bonus (NCB) – Discount on premium for claim-free years
✅ Instant Policy Issuance – Buy or renew online in minutes
Types of Bike Insurance Policies:
Third-Party Insurance (Mandatory)
Comprehensive Insurance
Standalone Own Damage Insurance
Who Should Buy Bike Insurance?
All two-wheeler owners (as it is legally required)
People using bikes for daily commute or long rides
Owners of new or high-value bikes who want to protect their investment