Key features and benefits
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Extensive coverage at low premiums
Our insurance partners offer affordable two-wheeler insurance policies that provides 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 4,500+ network garages
Repair your damaged two-wheeler across 4,500+ 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 physical injuries caused to a third party or damages or losses caused to their property or vehicle.
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Personal accident cover
Get covered for up to Rs. 15 lakh in case of 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, such as loss of accessories, legal liability to paid driver, cleaner, or any workman, 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 and helps you avoid paying any repair costs. However, the cashless claim can only be availed when your two-wheeler is sent for repair to a network garage of your insurance provider.
A policyholder receives a No Claim Bonus (NCB) if they haven't filed any claims throughout the insurance period. The comprehensive insurance plan in India varies between 20-50%, according to current laws. A third-party motor insurance plan does not qualify for the NCB. At the time of the vehicle transfer, the insurance plan can be transferred to a new insurance provider, but NCB can't be transferred. The new buyer is responsible for paying the outstanding balance. The NCB can be used by the two-wheeler’s original owner when acquiring a new vehicle.
Comprehensive two-wheeler insurance gives coverage to your third-party liabilities in addition to the damage sustained by your bike/two-wheeler due to an accident, theft, fire, or natural calamities like earthquakes, floods, 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 IRDAI decides third-party premium amounts.
The deductible is the amount that must be paid out of pocket if a claim is filed. Generally, there is a standard or mandatory deductible for most automobiles, such as two-wheelers, or cars and commercial vehicles like trucks. It depends on the carrying capacity or cubic capacity of the vehicle. However, in some situations, the insurance carrier may impose a larger deductible based on the vehicle's age or the frequency with which the claims are filed.