Key features and benefits
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Extensive coverage at low premiums
Our insurance partners offer affordable two-wheeler insurance policies that provide comprehensive coverage against own and third-party damage and the convenience of cashless repairing. Premiums start from as low as Rs. 702*.
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Cashless claim settlement at 6,500+ network garages
Repair your damaged two-wheeler across 6,500+ partner garages and avail of cashless claim facilities.
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Doorstep delivery after repairs
Repair your two-wheeler at our insurance partner garages and get it delivered to your doorstep.
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Own-damage coverage
Get coverage against damages caused to your two-wheeler due to natural calamities, theft, fire, and accidents.
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Third-party liability coverage
Get coverage for the expenses incurred due to injuries caused to a third party. Also get coverage for the damages caused to the third party’s property or vehicle.
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Personal accident cover
Get coverage of up to Rs. 15 lakh for accidents that lead to injuries, disability, or death of the owner-rider of the vehicle.
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No claim bonus
Benefit from No Claim Bonus and get up to a 50% discount on your own damage premium, depending on the policy years.
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Multiple optional add-on covers
Choose from multiple add-on covers for enhanced coverage. Choices of add-ons include loss of accessories, legal liability to paid driver, and personal accident cover for occupants.
Frequently asked questions
A cashless two-wheeler insurance claim is designed to provide you with instant aid after an accident or any unfortunate event. It helps you avoid having to pay for any repair costs out of your own pocket. However, you can only avail of cashless claim if you repair your two-wheeler at a network garage.
A policyholder receives a No Claim Bonus (NCB) if they have not filed any claims throughout the insurance period. The comprehensive insurance plan in India varies between 20-50%, according to current laws. A third-party two-wheeler insurance plan does not qualify for the NCB. At the time of the vehicle transfer, you can transfer the insurance plan to a new insurance provider, but not the NCB. The new buyer is responsible for paying the outstanding balance.
A comprehensive two-wheeler insurance covers own damage and third-party liabilities. The damage can be due to accidents, thefts, fires, natural calamities, and man-made disasters.
The following are the most significant elements that influence motor insurance premiums:
1. Insured declared value (IDV)
2. Make and model of the two-wheeler
3. Deductibles
4. Seating capacity
5. Cubic capacity
6. Previous insurance history
The type of coverage has an impact on the premiums. Do compare insurance premiums to obtain the best deal. The IRDA decides third-party premium amounts.
The deductible is the amount that you need to pay out of your pocket while filing a claim. Generally, there is a standard or mandatory deductible for two-wheelers, cars, and commercial vehicles. It depends on the carrying capacity or cubic capacity of the vehicle. However, the insurance carrier may impose a larger deductible based on the vehicle's age or the frequency of filing claims.
