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All about Bike Insurance

Bike insurance, also known as motorcycle insurance, is a type of insurance policy that protects motorbike owners from financial loss in the event of an accident or damage to their ride. These policies can protect against financial loss from a variety of situations, such as theft, accident, or personal injury. In this guide, we'll cover the basics of bike insurance so you can make informed decisions about insuring your motorcycle.

Choosing the right coverage for your bike depends on several factors, including the cost of the motorcycle, your location, and your driving record. While all riders need liability insurance, collision and comprehensive coverage are optional. It's important to evaluate your risk level and financial responsibility when choosing your insurance policy.

Personal Accident Cover

24x7 Roadside Assistance

Cashless repair at network garage

9+ add-ons to choose from

Upto 50% NCB discount

Instant policy with zero paperwork

No Claim Bonus

Invoice Cover

Types of Insurance Policies


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3rd Party Insurances

3rd Party Insurances plan that provides coverage for injuries, temporary/permanent disability death of a third person and damages incurred by your and the third party’s bike due to accidental loss.

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Comprehensive Plan

This policy provides overall financial cover to your and the third party’s two-wheeler damage loss or injury due to an accident. The comprehensive bike insurance policy tends to protect your bike from damages.

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Policychayan Services 02
Own-Damage Bike Policy

This policy (also called standalone own-damage policy) provides coverage for own loss or damage incurred by the insured bike due to an accident theft, natural calamities, human activities fire etc.

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Zero Depreciation Coverages

No depreciated amount will be deducted from the claimed amount under this coverage. That means you will get the total claim amount paid.

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Benefits of buying a Bike Insurance Policy

Go through the points mentioned below to know several benefits of the bike insurance policy.

  • 1 The policy provides financial coverage against loss and damage to your bike due to an accident or any mishappenings.
  • 2 No more spending days getting the insurance done offline and visiting branches. Get your policy done instantly and easily according to your convenience.
  • 3 Get the premiums according to your budget and needs.
  • 4 Get favourable comparisons of plans and select according to your needs and comfort.
  • 5 You get 24/7 customer support service online.
  • 6 Easily get the bike insurance policy issued online in just 5 minutes.

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Type of Vehicles protected under Motor Insurance
Type of Vehicles protected under Motor Insurance
Below are the damages or loss covered under motor insurance::
  • Loss or damage to the bike caused by a natural disaster. E.g. lightning earthquake flood storm etc.
  • Loss or damage due to riots strikes or terrorist activities.
  • The policy also provides accidental coverage up to RRs. 5 Lakhs.
  • Loss or damage due to fire or self-ignition is covered.
  • The policy offers coverage to the third policy.
Below are the damages or loss not covered under motor insurance::
  • Driver was not having a valid driving licence.
  • The driver was under the influence of drugs or alcohol.
  • Normal wear & tear to the tyre/tubes or to the bike is also not covered.
  • Bike being used for a purpose not mentioned in the policy.
  • Accident occurred outside the geographical location mentioned in the policy.
  • The driver was under the influence of drugs or alcohol.

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How to Buy GRP & Factors to Consider Before Purchasing It

Stated below are the key features and benefits offered under Motor Insurance policies

  • 01Bike insurance policy offers network garages with on-road assistance-rider.
  • 02Provides 360° protection and coverage to the bike.
  • 03Mandatory by the law and offers protection to the third party against accidental damage.
  • 04Covers loss due to natural calamities like earthquakes, typhoons etc are covered.
  • 05Covers damage due to human activities strikes riots and terrorist acts.
  • 06Loss due to theft and fire third-party property damage injury and death
  • 07Offers coverage for fire and explosion.

Factor 1


Check all the coverage inclusions and exclusions in the policy.

Factor 2

Claim settlement ratio

Ensure that you remember to check the claim settlement ratio of the company.

Factor 3

Add-on/riders benefit

It is good to buy a policy with an add-on or rider advantage.

Factors 4


Look for a company with a large network of cashless garages for your hassle-free

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Frequently Asked Questions

A comprehensive insurance policy is a plan that protects your and a third party’s vehicle from accidental damage. It also covers damage to vehicles from theft and natural calamities.

Rider benefits are not included in the comprehensive insurance policy although if you want to add riders then you have to pay the extra premium to add on covers.

Documents that you need to buy two-wheeler insurance online are; Registration Certificate of the bike. Address proof (passport/adhaar card/votter ID). Identity proof (passport/ voter ID/ DL/ ration card).

Yes purchasing bike insurance is compulsory under the motor vehicle act.

Almost all the companies provide long-term insurance policies you can either purchase it from your existing insurance provider or go for a new company.

The existing policy on the vehicle is transferred to its new owner.