Two Wheeler Insurance in Coimbatore

Home to India’s first electric vehicle hub, Coimbatore, which is also known as the "Manchester of South India", is Tamil Nadu’s second-largest city. Kovai city has over 20 lakh registered vehicles, and is a two wheeler friendly city. People prefer motorcycles here because of its affordability and ease in commuting, especially for the college crowd. Two-wheeler EVs also have gained popularity in the city of Coimbatore. This has resulted in rising demand for two wheeler insurance coverage.

With the growing vehicle density, traffic congestion and uncertain weather, it has become a challenge for two-wheelers to ride on the streets of Coimbatore with 100% safety. Accidents are bound to happen, minor or major. You know what makes commuters of Coimbatore comfortable? Bike insurance. A two-wheeler insurance policy makes sure that your financial interests are secured while facing these challenges. Consider the following factors while purchasing a two-wheeler insurance policy in Coimbatore:

• Traffic & Accident Risks

Coimbatore’s busy roads increase the chance of minor to major accidents, especially in hot spots like Red Cross Junction, Ukkadam Bus Stand, and Old Avinashi Flyover Roundabout. Choose a policy with comprehensive damage cover, third-party liability, and rider-specific benefits for high-traffic zones.

• Monsoon & Flood Protection

The city’s monsoon season in Coimbatore can cause waterlogging, especially during heavy downpours when the drainage systems give out. Opt for add-ons like Engine Protection and Zero Depreciation to secure your bike during floods and safeguard yourself from waterlogged areas.

• Theft & Vandalism

Bike theft and damage risks are real. Hotspots like Gandhipuram, Coimbatore Medical College Hospital (CMCH), and stretches of Avinashi Road are infamous for bike thefts. Ensure your policy covers total loss due to theft and includes own damage protection even in cases of vandalism.

• Network Garages

Always check the insurer’s network garage list in Coimbatore. A wide network ensures cashless claim settlement at reputed local service centres.

• Daily Commute & Long Rides

For regular city riders and weekend travellers to Ooty or Valparai, consider policies with roadside assistance, flat tyre support, and emergency towing.

• RTO Regulations & Compliance

Coimbatore RTO mandates valid insurance for registration and renewal. Make sure your policy is IRDAI-approved and complies with Tamil Nadu’s motor vehicle rules.

• Claim Process & Customer Support

A fast, hassle-free claim process and strong customer service in regional languages are crucial. Read reviews and compare turnaround times before purchasing.

There are 3 types of insurance plans in the city of Coimbatore for motorcycles that include:/b>

1. Third-Party Two-Wheeler Insurance Policy

Third-party insurance covers liabilities caused by an accident by you done to a third party (person/property/vehicle). As per Motor Vehicle Act 1988, a third-party insurance is mandatory for every vehicle to ride on public roads in Coimbatore and all across India.

Inclusions:

• Only third-party damage is covered. (vehicle and Individual)

Exclusions:

• Own vehicle damage

• Personal injuries

• Drunk or illegal riding

2. Comprehensive Two-Wheeler Insurance Policy

A comprehensive insurance policy ensures extensive coverage, ensuring an all round protection. This includes any third-party liability, damage done to your own vehicle and other factors that can be customized using Add-ons.

Inclusions:

• Third-Party damage cover

• Own bike damage cover

• Protection against theft

• Protection against natural/man made calamities

• Protection as per add-ons (Zero depreciation, engine protection, accessories protection, etc.)

Exclusions:

• Normal wear and tear

• Riding illegally or under influence

• Unapproved bike modifications

• War effects

• Mechanical or electrical breakdowns

3. Standalone Own Damage Insurance

This type of coverage plan covers damage done only to your own bike. It is only offered to you when you already have third-party bike insurance. A standalone own damage insurance policy is useful when you wish to buy third-party insurance from some other company and need further coverage for your own bike (you can also customize it using Add-ons).

Inclusions:

• Own bike accident damages

• Natural calamities

• Man-Made hazards

• Theft

• Fire

Exclusions:

• Third Party Liability

• Damages that have been caused to the bike consequently and not during an accident

• Drunk riding or illegal riding

Get the best two wheeler quotes from insurers across Coimbatore through Coverfox, and buy insurance online by following these steps:

1. Head over to the Coverfox website
2. Enter your bike’s registration number in the field given
3. Click on the button “Bought a new bike?” in order to purchase a new insurance policy
4. Fill in the RTO registry details
5. Click on “Get Quotes”
6. You will be redirected to a page where you will be presented with different quotes from reputable insurance companies
7. Select the policy that best fits your needs
8. Pay online through the secured payment gateway
9. Your policy will be e-mailed to you on your registered address.

Renewal of insurance policy is an essential task. Lapsed polices can cause higher premium rates, loss of NCBs, and travelling with expired insurance policy can lead to hefty fines.

Here is how you can renew your two wheeler insurance policy in Coimbatore through Coverfox:

1. Head over to Coverfox website
2. Enter your registration number
3. Enter your previous policy details
4. Click on “Get Quotes”
5. Select the new policy that fits your needs
6. Pay online through the secured payment gateway.

If your old policy is from Covefox then:

1. Head over to Coverfox website
2. Click on “Renew here”
3. Enter your mobile number to login or use your old policy number
4. Select the new policy that fits your need
5. Pay online through the secured payment gateway.

Your policy will be renewed after the payment and verification of documents.

Documents Needed for Buying or Renewing Two Wheeler Insurance in Coimbatore

The following documents are required for buying/renewing two-wheeler insurance in Coimbatore:

• Bike registration certificate (RC)

• Previous insurance details (for renewal)

• Personal identification proof

• Address proof

You can file for two wheeler insurance claims online in Coimbatore or opt for cashless transactions. Here’s how:

1. Contact your insurance company at the earliest and inform them about the incident
2. Lodge an FIR if required (In case of theft or severe accidents)
3. Evaluate the damage done through a garage (preferably an authorized garage by your insurance company)
4. Pay the service centre and apply for reimbursement
5. After filling in the necessary forms, submit the required documents
6. After proper verification, you will be reimbursed for the claim amount decided
7. Coverfox also offers excellent customer support if required.

Documents Required for Filing a Two Wheeler Insurance Claim in Coimbatore

• Duly signed claim form

• Copy of valid vehicle Registration Certificate (R.C.)

• Copy of valid Driving Licence (D.L.)

• Copy of first two pages of policy document

• FIR for accidental damage

• Original repair bill, cash receipt, and proof of release.

Insurance premiums can spike up pretty easily if not structured properly. Here are a few tips to help you reduce insurance premiums in Coimbatore:

• Maintain NCBs (No claim bonuses), and renew insurance policies on time

• Select for longer term insurance plans

• Maintain a good driving record

• Compare different insurers online

• Have proper safety gears installed

• Select high voluntary deductibles

• Bundle Policies (Third party and Standalone Own Damage insurance)

• Select only add-ons that you need.

Coimbatore is a leading city in Tamil Nadu right after Chennai. Riding a two-wheeler in the city has its own ups and downs. They face a lot of challenges that might also lead to accidents and mishaps. Motorcycle insurance is the key to all the problems a biker has to face, at least financially. Make sure you get a valid insurance for your bike, and if you don’t get it today from Coverfox!