Key features and benefits

  • Extensive coverage at low premiums

    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*.

  • Cashless claim settlement at 6,500+ network garages

    Cashless claim settlement at 6,500+ network garages

    Repair your damaged two-wheeler across 6,500+ partner garages and avail of cashless claim facilities.

  • Doorstep delivery after repairs

    Doorstep delivery after repairs

    Repair your two-wheeler at our insurance partner garages and get it delivered to your doorstep.

  • Own-damage coverage

    Own-damage coverage

    Get coverage against damages caused to your two-wheeler due to natural calamities, theft, fire, and accidents.

  • Third-party liability coverage

    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.

  • Personal accident cover

    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.

  • No claim bonus

    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.

  • Multiple optional add-on covers

    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.

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Frequently asked questions

What is a cashless claim in two-wheeler insurance?

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.

What is a No Claim Bonus in two-wheeler insurance?

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.

What are the risks covered by a comprehensive two-wheeler policy?

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.

How is a two-wheeler insurance premium calculated?

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.

What is a deductible in two-wheeler insurance?

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.

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Bajaj Finance Ltd. (BFL) is merely a distributor of third party products from Assistance Services providers such as CPP Assistance Services Pvt Ltd, Bajaj Finserv Health Ltd.(BFHL), AWP Assistance India Pvt. Ltd. (Allianz), Doc Online Health India Pvt Ltd. etc. Issuance of the product is at sole discretion of Assistance Company or Services provider . The product and services or benefits assured under the product shall be governed by respective partner’s product T&C’s and BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. Your purchase of an assistance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any product. For more details on terms and conditions, inclusions and exclusions please read the product sales brochure carefully before purchase or subscription. All product information such as membership fees, benefits, exclusions, value added services, etc. are authentic and solely based on the information received from the respective value added service provider or Assistance company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.