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Two-Wheeler Insurance

A good bike insurance plan helps you ensure a safe ride every single time.

Buy Confidently

With 25 insurers and 100+ products to choose from, Coverfox works actively to find a plan that is ideal for you—basically, the best one, the right one. From providing you with all the right information to offering unbiased comparisons, we do it all. Hey, you don't even need to engage with the insurer yourself.

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Two-Wheeler Insurance

Things you need to know
Two-Wheeler keyword

Is there anything more exciting than riding your trusted bike through the city roads? Not really. In fact, for most riders, their bike is a reflection of their personality. Which is why insuring your bike is the best way to show it some love. Having two-wheeler insurance saves you against the financial loss you might face if your bike was wrecked in an accident or worse, stolen. After all, no one needs that kind of negativity in their life.

Comprehensive Insurance

This covers damages to the third party, as well as your own bike. It is best for those wanting to cover for losses from incidents such as theft and natural disasters.

Third-party liability Insurance

It covers only the damages to a third party and their property, and is best for those insuring their bikes only because it's mandatory (but we wouldn't recommend that!).

How to save on Insurance Premium

Choose The Right IDV

Choose The Right IDV

A lower IDV demands a lower premium to be paid. (But compute wisely, since IDV is the utmost value the insurer can compensate you with).
Avail No Claim Bonus

Avail no-claim bonus

Your responsible driving skills are rewarded with a bonus of upto 50% on your premium, for every consecutive claim-free year. Now isn't that a treat?
Install security devices

Install Security Devices

Automative Research Association of India (ARAI) approved anti-theft devices can fetch you upto 2.5% discount on your premium!
Become AAI Member

Become AAI Member

Membership of the Automobile Association of India, an organisation powered by IRDAI, secures you a concession on own-damage premium.

Coverfox advantage Coverfox Advantage

Expert Advice

Expert advice and an informed, unbiased opinion that clears the confusion and helps you buy that perfect plan for you. Can it get any easier?
Expert advice

POST-SALES ASSISTANCE

Service Managers who assist you with all your post-sale requirements - from claims processing to renewals! They are like superheroes, but only better.
Post sales assistance

You happy. We happy.

Things you must know

  • What’s not included in your Two-wheeler Insurance Cover?
    • 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:

      • Damages when the policy is not active.
      • Damages when the driver/owner is breaking the law. (Always carry your license, follow traffic rules and NEVER EVER drink and drive!)
      • Damages due to oil leakage.
      • Damages when you don't follow manufacturer's guidelines. (Not a good idea.)
      • Gradual wear and tear. (Because everything grows old!)
  • How do you compare plans before choosing one?
    • 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.
  • What are the documents required to register a claim?
    • 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?
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