Choose your Insurance just like you chose your ride

National Insurance Two Wheeler

One of the oldest insurance providers in the country, National Insurance provides attractive two-wheeler insurance policies to ensure your asset is safe from all risks while on the road.

It offers an excellent facility to track the claim status online.

With real time customer service, roadside assistance and a complete comprehensive coverage for your two wheeler, National Insurance has surely become a preferred choice for two wheeler owners to insure their bikes/ scooters.

Features of National Insurance Two Wheeler

  • Online facility: This Company offers online purchase and renewal for your two wheeler insurance
  • Basic cover + Personal accident cover for passengers: Offers a basic two wheeler insurance cover along with personal accident cover for an amount of Rs.1 lakh for the co-passenger
  • No claim bonus: National Insurance offers no claim bonus that ranges from 20% to 50% in case of claim free years
  • Comprehensive coverage: Offers a complete comprehensive coverage for your two wheeler

Benefits of National Insurance Two Wheeler

  • Customer Service: National Insurance has an excellent team of customer service professionals that offers good and hassle-free pre-sales as well as post-sales services
  • Road Side Assistance: National Insurance offers Road Side Assistance for every two wheeler insurance
  • Claim Settlement: National Insurance has a very clean record for claim settlement.
  • 24/7 Claim Assistance: National Insurance has a set of dedicated claim handlers ensuring efficient claim settlement
  • Long term policy: National Insurance offers long term policies at a very affordable rate
  • Add-ons: National Insurance Two Wheeler Insurance offers add-ons such as consumables cover, zero depreciation cover, accessories cover, return to invoice cover etc.

Eligibility for National Insurance Two Wheeler

Any individual, whose car has been registered with the Regional Transport Authority in India, under his/her name, can buy two wheeler insurance from National Insurance.

Coverage Under National Insurance Two Wheeler

You can customize your National Insurance Two wheeler Insurance Policy as per your bike’s requirement. It is important to understand the coverage before actually opting for a two wheeler insurance policy. It is essential to cover your bike sufficiently to protect it from theft, damage or accident.

Third-party Liability Insurance

  • Covers bodily injury and /or death of a third party
  • Property damage to third party up to Rs.1 lakh
  • Personal Accident cover for owner driver

Comprehensive Insurance

  • Third-party liability coverage: Loss and damage to the two wheeler due to accident, theft, natural calamities, landslides, rockslides, terrorist and malicious activities, strikes and riots, house breaking, burglary, fire, self-ignition, explosion etc.

Personal accident cover for owner-driver: National Insurance Two wheeler Insurance will pay sum insured of Rs.1 lakh to the owner-driver of the insured vehicle in case of permanent total disability or to the beneficiary in case of accidental death

  • An accident can leave you impaired to earn your as well as your family’s earning. Additionally, rising costs of medicines can rip off your entire hard-earned savings. In such traumatic and unforeseen situations, having a personal accident insurance would act like an income replacement

Type of Injury Compensation Level in case of personal accident cover for owner-driver

  • Death - 100%
  • Loss of two limbs or sight of two eyes or one limb and sight of one eye - 100%
  • Loss of one limb or sight of one eye - 50%
  • Permanent total disablement from injuries other than named above - 100%

Add-on Features Of National Insurance Two Wheeler

National Insurance Two Wheeler Insurance offers unique add-on covers that offers an extra touch of protection at a minimal rate. These add-ons enhances your basic insurance policy by paying an additional premium.

Zero Depreciation Cover

This add-on cover offers depreciation waiver on metal and plastic parts in case of partial loss/claim. This cover ensures you the entire claim amount without deducting the depreciation on the parts that you have replaced.


  • All plastic parts without depreciation.
  • All metal parts without depreciation.
  • The entire amount of all the parts of your bike that requires replacement are compensated in full


  • The amount of total deductible mentioned in the policy schedule.
  • Any damage caused due to mechanical breakdown and any uninsured peril
  • Any damage caused to items that are uninsured as per the policy wordings like accessories and bi-fuel/gas kit
  • Any claim raised for theft of parts and/or accessories.

Consumables Cover

This type of add-on covers those items or substances that are declared of no use for the vehicle post a damage or are either consumed completely.


  • Break oil
  • Lubricants clip
  • Grease
  • Bearings
  • Engine oil
  • Oil filter
  • Nuts and bolts
  • Washers
  • Screw


  • Offers coverage only to a specific years
  • The repairs to be undertaken within 3 days of loss
  • Supportive bills, invoices from the network garages to be produced
  • The claim to be admitted under the own-damage section

Return to Invoice Cover

This type of add-on helps you if your two wheeler is stolen or damaged to recover the financial losses you have suffered. The Return to Invoice Cover will help you by paying you the full value of your two wheeler

Medical Cover

This type of add-on offers you a medical cover especially if you ride with a co-passenger in an accident prone zone.

Discounts offered by National Insurance Two Wheeler

No claim bonus

You are eligible for a NCB discount on your own-damage premium for every claim-free year .It starts with 20% for the first year and can go as high as 50% over 5 consecutive claim-free years. The best part is you can retain this discount, even if you wish to sell the current bike and purchase a new one.

The following table shows the NCB grid:

No. Of YearsDiscount
One claim-free year20%
Two consecutive claim-free years25%
Three consecutive claim-free years35%
Four consecutive claim-free years45%
Five consecutive claim-free years50%

Voluntary discounts

A deductible is nothing but an amount that you need to pay out during an accident or mishap. This deductible plays a major role in determining your two wheeler insurance premium.

Higher the deductible, lower would be your two wheeler insurance premium. If you know you are a safe and responsible driver, opt for a higher voluntary deductible. This will help in getting the cheapest two wheeler insurance.

Membership of AAI

If your bike is a member to any of the recognized Automobile Associations of India then can fetch you an extra discount

Installation of security devices

If your two wheeler is fitted with an ARAI-approved anti-theft devices, you are eligible for an additional discount up to 2.5% on your own-damage premium.

What are the Exclusions?

The claims would not be admitted under the below exclusions:

  • Normal Wear and Tear and Electrical or Mechanical Breakdowns
  • Damage to Tyres (unless vehicle also damaged)
  • Driver without a Valid Driving License
  • Driving under the influence (DUI) of intoxicants such as liquor or drugs
  • When the two wheeler is used for any illegal purpose
  • Usage outside geographical limits
  • Two wheeler is used for Hire or Reward, Carriage of Goods, Organized Racing, Pace Making, Speed Testing, Reliability Trials
  • Nuclear Wars and Perils

Claim Process of National Insurance Two Wheeler

Contact Details:


Toll free number 1800 200 7710

Send an email at

Step-by-step Claim process:

In case of an accident or an unfortunate event or loss, do follow the below step-by-step, easy and hassle-free claim process:

  • Immediately contact National Insurance Two wheeler Insurance Company post an incident and inform about the date, time and place of the incident. You may check the list of the offices on the Company’s website
  • Keep the two wheeler at the accident spot/site in case of an accident which may include fire/ riots etc. till the time the surveyors visit the accident spot to survey your vehicle.
  • In case of any third-party injuries or death, ensure that you inform your nearest policy station about the incident and file a FIR. Inform the name of the hospital and the doctor’s name if you are getting the third-party treated in a hospital.
  • Post completing the above formalities you may either move or tow your two wheeler to any of the network garages nearby. Get the quotation from the network garage and submit the same to the Company along with the completed claim form. You may also visit any of the nearest office of SBI Two Wheeler Insurance for a final survey of your vehicle. Submit the surveyor copy and FIR.
  • Ensure that the repair work to commence only post final surveyor verifies the damage caused. Only post approving the same, you may go ahead with the repair works.
  • Submit the cash bills for spare parts, labour charges etc. and then get the reimbursement done, if the claim is admissible.

Documents required for registering the claim:

  • Insured’s name and contact details
  • Two wheeler Insurance Policy number
  • Complete address of place where loss/damage took place
  • Complete address of place where damaged vehicle is available for inspection
  • Registration number of the vehicle
  • Name of the person who was driving the vehicle at the time of damage
  • Name, contact number and relationship of the caller with the insured customer
  • Brief description of the nature of loss/physical injuries, if any
  • Estimated total loss
  • Claim form filled and signed
  • RC book copy and Driving license copy
  • FIR report
  • Entire set of keys of the bike
  • Original bills of repairs/ invoice
  • Photographs of the insured damaged vehicle
  • In case of theft or total loss submit the Subrogation & Power of attorney
  • Indemnity bond
  • Discharge voucher
  • NOC from the financer for total loss or theft

National Insurance Two Wheeler Insurance Company Review

National Insurance company is backed with a very strong network garages. Additional add-on covers widens the scope of the policy. The complete package that National Insurance Two wheeler Insurance offers for your beloved bike gives you a financial security when it comes to safeguarding your two wheeler. The surety of claims settlement and the ensuing peace of mind is unmatched. If you are one of those who believe and highly depend on excellent claim settlement and customer service, National Insurance Two wheeler Insurance should be your sure-shot choice.

FAQs On National Two Wheeler Insurance

Can I purchase two wheeler insurance from National Insurance?

Yes, National Insurance offers two wheeler owners the convenience of purchasing insurance policies online. All you need to do is visit their official website and follow the steps to apply for two wheeler car insurance, and complete the payment process through Debit or Credit Card, Netbanking, etc.

Can I renew two wheeler insurance from National Insurance online?

Yes, you can renew your two wheeler insurance from National Insurance through the company’s official website and filling up the form with necessary information about your existing policy like expiry date, etc. If you have discounts that have accumulated against your No Claim Bonus, they will be added to your renewed policy. Remember to take a printout of the receipt that will be generated for future reference, if and when required.

What are the available payment options for Two Wheeler Insurance from National Insurance?

National Insurance offers online as well as offline modes of payment for the purchase of two wheeler insurance from National Insurance. You can visit any branch of National Insurance for offline payment. For online payment, the available payment options are Debit Card, Credit Card and Net Banking.

How can I cancel my two wheeler insurance from National Insurance?

Submit a completed surrender form at any National Insurance branch to initiate the cancellation process. After the process has been completed by the insurance company, your two wheeler insurance from National Insurance will stand cancelled and the refunds, if any will be credited to the bank account of your preference.