Bike Insurance

Bike Insurance provides financial protection against accidents, theft, natural disasters, and third-party liabilities for your two-wheeler. Whether you own a scooter, sports bike, or commuter bike, having the right insurance ensures peace of mind and legal compliance while riding.

Why Choose Bike Insurance?

✔ Financial Protection – Covers repair or replacement costs due to accidents, theft, or disasters.
✔ Legal Compliance – Third-party insurance is mandatory under the Motor Vehicles Act.
✔ Personal Accident Cover – Provides financial support in case of injury or death.
✔ Third-Party Liability – Covers damage caused to another vehicle, person, or property.
✔ Cashless Repairs – Get repairs at network garages without out-of-pocket expenses.
✔ No-Claim Bonus (NCB) – Get premium discounts for claim-free years.

Types of Bike Insurance

🏍 Third-Party Insurance – Covers injuries, death, or damage caused to third parties but not your own bike.
🏍 Comprehensive Insurance – Covers own bike damage + third-party liability, theft, fire, and disasters.
🏍 Own Damage Insurance – Protects only your bike from accidents, theft, fire, and natural calamities.

What Does Bike Insurance Cover?

📍 Accidental Damage – Covers repair or replacement costs due to accidents.
📍 Theft Protection – Get reimbursed if your bike is stolen.
📍 Fire & Natural Disasters – Protection against fire, floods, earthquakes, and storms.
📍 Third-Party Liabilities – Covers damages caused to another vehicle, person, or property.
📍 Personal Accident Cover – Financial support for injuries, disability, or death.
📍 Towing & Roadside Assistance – Get help with breakdowns, towing, or emergency repairs.

Who Should Buy Bike Insurance?

🔹 All Bike Owners – Protect your bike from damage, theft, and accidents.
🔹 New Bike Buyers – Get comprehensive coverage from day one.
🔹 Daily Commuters – Essential for those who ride regularly for work or travel.
🔹 Sports & Premium Bike Owners – Higher protection for expensive bikes.
🔹 High-Risk Area Residents – Those living in areas prone to theft, floods, or accidents.

Key Add-On Covers for Enhanced Protection

✅ Zero Depreciation Cover – Get the full claim amount without depreciation deductions.
✅ Roadside Assistance – Covers towing, fuel delivery, flat tire assistance, and more.
✅ Engine Protection Cover – Covers engine damage due to waterlogging or oil leakage.
✅ Return to Invoice Cover – Get the full invoice value if your bike is stolen or totaled.
✅ Consumables Cover – Covers costs of nuts, bolts, engine oil, and other consumables.
✅ Helmet Cover – Provides coverage for damage to the helmet in an accident.

Documents Required for Bike Insurance

📌 Bike registration certificate (RC).
📌 Previous policy details (for renewal).
📌 Owner’s driving license.
📌 Bike details (make, model, variant, year of purchase).
📌 KYC documents (ID proof, address proof).

How to Buy or Renew Bike Insurance?

1️⃣ Compare Plans Online – Check coverage, add-ons, and claim settlement ratios.
2️⃣ Choose the Right Plan – Select between third-party, comprehensive, or own damage cover.
3️⃣ Submit Bike & Personal Details – Fill in RC details, insurance history, and personal information.
4️⃣ Make Payment & Get Instant Policy – Download the soft copy of your policy instantly.
5️⃣ For Renewal – Renew your policy before expiry to retain No-Claim Bonus (NCB).

Why Should You Renew Your Bike Insurance on Time?

🚀 Avoid penalties and legal issues for riding uninsured.
🚀 Retain your No-Claim Bonus (NCB) for lower premiums.
🚀 Ensure uninterrupted coverage for accidents, theft, or damages.
🚀 Prevent inspection requirements & higher premium costs for lapsed policies.

Conclusion

Bike Insurance is a must-have for every two-wheeler owner to ensure financial protection, legal compliance, and peace of mind. Whether you're looking for a new policy or renewal, choose a plan that best suits your needs and ride worry-free! 🏍💨