| Feature |
Details |
| Coverage |
Third-party + own damage (accident, theft, fire, natural calamities) |
| Third-Party Liability |
Injury/death (unlimited), property damage up to ₹1 lakh |
| Add-ons |
Zero Dep, Engine Protect, RSA, etc. |
| Cashless Garages |
1932+ network garages |
| Mobile App |
NIMA (National Insurance Mobile App) |
| Claims |
Simple claim process with survey support |
| Public Sector |
Owned by the government, under the Ministry of Finance |
| Trust Factor |
120+ years of service |
Why Choose National Insurance Bike Insurance Policy?
Here’s why you should choose bike insurance policy from this insurer:
Trusted public sector insurer
Backed by over 120 years of experience, National Insurance brings reliability and strong claim support across India.
Comprehensive coverage options
Covers both third-party liabilities and own damage, protecting your bike against accidents, theft, and natural calamities.
Wide cashless garage network
Access to 1932+ garages ensures hassle-free repairs without upfront payments.
Flexible add-on covers
Options like zero depreciation, engine protection, and roadside assistance help customise your policy as per your needs.
Easy digital access
Manage policies, download documents, and track claims through the NIMA mobile app and online portal.
Simple and accessible claims process
Structured claim support with survey assistance makes the process smoother during emergencies.
Types of National Bike Insurance Policy
National Insurance Company Limited offers multiple bike insurance policy types to suit different needs, including liability-only and comprehensive plans with flexible durations.
1. Annual Package Policy
This policy provides both own damage and third-party liability coverage for one year, offering complete protection for the insured bike.
2. Annual Liability Only Policy
This is a basic and mandatory policy covering only third-party liabilities such as injury, death, or property damage caused to others.
3. Long Term (2/3 Years) Package Policy
This policy offers comprehensive coverage for multiple years, helping policyholders avoid yearly renewals while ensuring continuous protection.
4. Long-Term (2/3 Years) Liability Only Policy
This provides extended third-party liability coverage for two or three years, ensuring compliance with legal requirements without frequent renewals.
5. 5-Year Liability Only Policy for Brand New Two-Wheelers
This long-term policy is mandatory for new bikes, covering third-party liabilities for five years as per regulatory norms.
6. Bundled Policy for Brand New Two-Wheelers
This policy combines one-year own damage cover with five-year third-party coverage, offering complete protection for new vehicles.
Coverage Under National Bike Insurance Policy
1. Third-Party Liability Coverage
Death or bodily injury to a third party
Damage to third-party property (up to ₹1 lakh for two-wheelers)
Unlimited liability for third-party injury or death
2. Own Damage Coverage (Under Package Policies)
Fire, explosion, self-ignition, or lightning
Theft, burglary, or housebreaking
Riot, strike, malicious or terrorist acts
Natural calamities such as earthquakes, floods, cyclones, storms, and landslides
Accidental damage due to external means
Damage during transit by road, inland waterways, lift, elevator, or air
Note: For exact coverage, refer to your National Insurance Bike Insurance policy.
How to Buy or Renew National Bike Insurance Online?
You can easily buy or renew your National bike insurance online through Coverfox in just a few simple steps.
Visit the Coverfox website, Two-wheeler insurance section
Enter your bike registration number or select your bike model
View available plans from National Insurance and other insurers
Compare coverage, premiums, and add-ons
Choose the plan that suits your needs
Enter personal and vehicle details
Make the payment securely online
Instantly receive your policy document via email
This process makes it quick and convenient to compare options and complete your purchase or renewal without any paperwork.
Customer Support for National Insurance Bike Insurance
Connect directly with National Insurance Company Limited for assistance, queries, or support.
Customer Service
1800 345 0330
Head Office
Premises No. 18-0374, Plot No. CBD-81
New Town, Kolkata – 700156
Telephone: 033-22022100
Email Support
For unresolved grievances: customer.relations@nic.co.in
For M Parivahan portal queries: vahan.support@nic.co.in
For customer portal queries: customer.portal@nic.co.in
For general support: customer.support@nic.co.in
To report fraud: faf@nic.co.in
For intermediary portal queries: agent.portal@nic.co.in
Disclaimer: *Discount up to 85% is calculated by comparing different insurers and may vary depending on the insurer, vehicle details, location, and policy terms.
