Comprehensive Bike Insurance

A comprehensive 2-wheeler insurance policy covers your vehicle against almost all types of damages, whether caused by road accidents or manmade or natural disasters. It also covers losses due to theft and third-party liabilities.

Losses due to accidents, theft, and unfortunate events can be expensive. A comprehensive bike insurance policy acts as a financial shield, saving you a significant financial burden.

Knowing you're comprehensively covered allows you to ride your two-wheeler with peace of mind as you'll be less worried about the financial burdens due to unforeseen events.

Comprehensive insurance plans allow you to buy additional benefits in the form of add-ons for enhanced protection.

Damage is done by a person driving under the influence of drugs or alcohol.

Damage is done by a person driving without a valid license or has a learner’s license but no valid license holder on the vehicle.

Consequential damage does not occur as a direct result of the accident. Unless covered for in an add-on, such damages can’t be covered.

Any contributory negligence, like damage due to driving the bike in a flood can pose a risk, which is not recommended as per the manufacturer’s driving manual, will not be covered!

Some situations are covered in add-ons bought along with the policy. In case the add-ons are not bought, the corresponding situations will not be covered.

The add-on cover of daily conveyance benefit will ensure that you are compensated for your transportation cost during the period when two-wheeler is under repair subject to applicable time excess. A policyholder can be compensated in the form of fixed allowance per day or coupons from taxi operators from an amount equal to per day fixed allowance.

Do you know that the cost of replacing your engine is approximately 40% of its cost? In a standard two-wheeler insurance policy, only damages caused during the accident are covered. However, with the engine and gear-box protection add-on cover, you can specifically cover the life of your vehicle for any consequential damages caused post the accident.

The tyre protect add-on cover is offered only to vehicles fitted with run flat technology. As part of it, the cost of replacing damaged tyres with equivalent or near equivalent to the one being used in the vehicle, labour and wheel balancing charges can be reimbursed. However, claims made under the add-on cover is subject to conditions set forth under the vehicle insurance policy.

The add-on of consumable cover adds an additional shield to your two-wheeler. Covers the cost for all your bike’s nitty-gritties such as the engine oils, screws, nuts and bolts, grease, etc. in the event of an accident.

If you fall into a situation where your bike is stolen or damaged beyond repair, this add-on comes in handy. With return to invoice add-on, we will cover the costs of getting you the same, or similar bike, including the road tax and registration fees for the same

This EV Shield add-on cover for electric two wheeler in India will protect you and your vehicle against any loss or damage to the electrical panel for the vehicle charging point, vehicle charger including charging cable, and offer roadside assistance services specific to EVs.

Think of it like an effective anti-ageing cream for your bike and its parts. Usually, the required depreciation amount is always taken in account during claims. However, a zero-depreciation cover ensures no depreciation is taken into consideration, so you get the full value of the cost of repair/replacement during claims.

The roadside assistance add-on ensures we’ll always be there for you and your two-wheeler in case of any breakdowns. The best part? Asking for our help doesn’t even count as a claim.

The make and model of your bike greatly affect the premium. Expensive bikes or those with powerful engines attract higher premiums due to costly repairs.

Older bikes have higher depreciation, reducing their market value. This means a lower Insured Declared Value (IDV) and a lower base premium.

IDV is the bike’s current market value and directly impacts the premium. A higher IDV means better coverage but also a higher premium.

If you haven’t made any claims in a policy year, you earn a discount on your next premium through NCB, reducing your overall cost.

Comprehensive insurance covers both third-party liability and own damage, offering better protection but at a higher premium than third-party-only plans.

Extra covers like zero depreciation, roadside assistance, or engine protection increase your premium but provide enhanced benefits.

Any performance or aesthetic modifications to your bike raise the premium, as these parts are expensive to repair or replace.

If your bike is registered in an accident-prone or high-traffic area, the risk is higher, leading to an increased premium.