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National Insurance Company Limited (NICL) is a prominent government-owned, public sector general insurance company in India. It offers bike insurance plans to protect your insured two-wheeler against damage from accidents, theft, natural calamities, and third-party liabilities. With over 120 years of trust, the public insurer is known for its wide reach and reliable claim support across India and IRDAI Registration Number: 58.
Two wheeler insurance policy from this general insurance company also provides flexible coverage options, including comprehensive and third-party plans, to suit different customer needs and budgets. Policyholders can benefit from a streamlined claim process, easy policy renewal, and access to a vast network of authorized garages for cashless repairs.
| 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 |
Here’s why you should choose bike insurance policy from this insurer:
Backed by over 120 years of experience, National Insurance brings reliability and strong claim support across India.
Covers both third-party liabilities and own damage, protecting your bike against accidents, theft, and natural calamities.
Access to 1932+ garages ensures hassle-free repairs without upfront payments.
Options like zero depreciation, engine protection, and roadside assistance help customise your policy as per your needs.
Manage policies, download documents, and track claims through the NIMA mobile app and online portal.
Structured claim support with survey assistance makes the process smoother during emergencies.
National Insurance Company Limited offers multiple bike insurance policy types to suit different needs, including liability-only and comprehensive plans with flexible durations.
This policy provides both own damage and third-party liability coverage for one year, offering complete protection for the insured bike.
This is a basic and mandatory policy covering only third-party liabilities such as injury, death, or property damage caused to others.
This policy offers comprehensive coverage for multiple years, helping policyholders avoid yearly renewals while ensuring continuous protection.
This provides extended third-party liability coverage for two or three years, ensuring compliance with legal requirements without frequent renewals.
This long-term policy is mandatory for new bikes, covering third-party liabilities for five years as per regulatory norms.
This policy combines one-year own damage cover with five-year third-party coverage, offering complete protection for new vehicles.
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
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.
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.
Connect directly with National Insurance Company Limited for assistance, queries, or support.
1800 345 0330
Premises No. 18-0374, Plot No. CBD-81
New Town, Kolkata – 700156
Telephone: 033-22022100
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.
You can pay your premium online through the official portal of National Insurance Company Limited or via Coverfox. Simply enter your vehicle or policy details, select the plan, and complete payment using available digital modes.
National Insurance supports multiple payment options including debit cards, credit cards, net banking, and UPI. These options are available both on the insurer’s website and aggregator platforms for a seamless transaction experience.
To raise a claim online, inform the insurer immediately after the incident, register the claim through the website or mobile app, upload required documents, and follow the claim process. You can also use the NIMA app for claim intimation and tracking.
The process involves claim intimation, document submission, and inspection by a surveyor. Once verified, the insurer approves the claim and settles it either through cashless repair at network garages or reimbursement, depending on the case.
You can renew your policy online by visiting the insurer’s website or using Coverfox. Enter your policy or vehicle details, review the plan, make payment, and receive the renewed policy instantly.
Yes, you can easily buy National bike insurance online through the official website or aggregator platforms like Coverfox by entering your bike details, comparing plans, and completing the purchase digitally.
National Insurance offers multiple policy types, including liability-only policies (annual and long-term), comprehensive package policies, bundled policies for new bikes, and standalone own damage covers.
Yes, National Insurance provides long-term policies such as 2 or 3-year package policies and liability-only policies, as well as mandatory 5-year third-party cover for new two-wheelers.
Yes, the policy can be transferred to the new owner when the bike ownership is transferred. The buyer needs to apply for the transfer with the required documents to ensure continued coverage under their name.
