A third party liabilty insurance cover is clearly limited. But there are some scenarios where even a comprehensive bike insurance policy with add-ons can't help:

1. Damages when the policy is not active.
2. Damages when the driver/owner is breaking the law. (Always carry your license, follow traffic rules and NEVER EVER drink and drive!)
3. Damages due to oil leakage.
4. Damages when you don't follow manufacturer's guidelines. (Not a good idea.)
5. Gradual wear and tear. (Because everything grows old!)

We all know that too many options usually implies too much confusion. That is why, before choosing, one must compare plans on the basis of:

• Insurance Company: Check the company’s past records for the number of claims settled and the time taken to settle them. That's always a great measure.
• Premium and Coverage: Balance between the premium you are willing to pay and the coverage that you will actually end up needing. Also, don't forget to include add-ons accordingly.
• Cashless Garage Network: Be sure about the insurer’s network garages in your area. You must remember that you can avail cashless services only at these garages, so that's always tricky.

The sole purpose of buying insurance for your two-wheeler is to get adequately compensated for any damages and losses. To ensure that you raise a successful claim, it’s necessary to keep all the relevant documents at hand. While insurance companies try their best to avoid pesky paperwork, here is a list of documents you need to have on you:

• The copy of the Registration Certificate & Tax Receipt of your bike.
• The proof of valid insurance document.
• Copy of your Motor Driving License
• Copy of FIR/Panchanama in case of Theft or Third Party damage/death/bodily injury.
• Repair Bills and Payment Receipts in case of reimbursement. That sounds about right?