- Retail Insurance
- Business Insurance
- Resources
- Claims
Navi Bike Insurance is a two-wheeler insurance product offered by Navi General Insurance Limited, an IRDAI-registered general insurance company (Registration No. 155). It provides insurance solutions for motorcycles and scooters through a completely digital platform, allowing customers to buy, renew, and manage their policies online.
It offers Third-Party, standalone own-damage, Comprehensive, and Long-Term Bike Insurance plans, along with multiple add-on covers to customise protection according to individual requirements.
This general insurance company offers bike insurance plans with digital features, flexible coverage options, and convenient policy management services.
Fully digital bike insurance purchase and renewal process.
Instant policy issuance after successful verification.
Self-inspection facility for eligible vehicles.
Access to 900+ cashless garages across India.
Third-Party, Standalone Own Damage, Comprehensive, and Long-Term Bike Insurance plans.
Multiple add-on covers to enhance policy protection.
24×7 claim assistance.
Online policy download and renewal support.
Personal Accident Cover for the owner-driver up to ₹15 lakh, where applicable.
Choosing bike insurance from this company gives you a seamless digital insurance experience backed by flexible policy options and efficient claim support.
From purchasing a policy to renewing it, downloading policy documents, making endorsements, and filing claims, every step can be completed online without paperwork or branch visits.
Once your details are verified and the premium is paid, the policy is issued digitally, helping you get insured without lengthy processing times.
Instead of scheduling a physical inspection, eligible vehicles can be inspected through Navi's self-inspection process, making policy issuance and renewal faster.
With access to 900+ cashless garages across India, policyholders can get their bikes repaired at authorised workshops without paying the entire repair bill upfront, subject to claim approval.
Navi offers Third-Party, Standalone Own Damage, Comprehensive, and Long-Term Bike Insurance plans, allowing customers to choose a policy that suits both their vehicle and budget.
Customers can customise their policy with add-ons such as Zero Depreciation, Engine Protection, Consumables Cover, Roadside Assistance, NCB Protection, EMI Protector, Outstanding Loan Protector, HospiCash, and Enhanced Personal Accident Cover.
Existing policyholders can renew their Navi Bike Insurance Policy online in just a few steps while reviewing their coverage and updating add-ons if required.
It has multiple support channels, including its customer care helpline, email support, digital portal, and mobile app assistance for policy servicing, renewals, and claims.
These are the types of Navi Two-Wheeler Insurance Policy options based on the type of protection required.
| Policy Type | Coverage | |
|---|---|---|
| Third-Party Bike Insurance | Covers third-party injury, death, and property damage. Does not cover damages to your own bike. | Owners seeking mandatory legal compliance at the lowest premium. |
| Standalone Own Damage Bike Insurance | Covers accidental damage, theft, fire, natural disasters, and man-made calamities affecting your own bike. Third-party cover must already exist separately. | Owners of bikes purchased after September 2018 with an active third-party policy. |
| Comprehensive Bike Insurance | Covers both own damage and third-party liabilities under one policy. | Riders looking for complete financial protection. |
| Long-Term Third-Party Bike Insurance | Provides mandatory third-party coverage for multiple years as prescribed by IRDAI for new bikes. | Buyers of newly registered two-wheelers. |
| Long-Term Comprehensive Bike Insurance | Combines long-term third-party insurance with own damage protection (subject to available policy tenure). | New bike owners who prefer uninterrupted protection for multiple years. |
Among these, Comprehensive Bike Insurance is the most preferred option because it protects both your own vehicle and third-party liabilities while allowing the addition of optional covers.
Accidental damage to the insured bike.
Theft of the insured two-wheeler.
Fire, explosion, self-ignition, and lightning.
Flood, cyclone, storm, hurricane, earthquake, landslide, and other natural calamities.
Riot, strike, malicious acts, and terrorist activity.
Damage during transit by road, rail, inland waterways, lift, elevator, or air.
Third-party bodily injury or death.
Third-party property damage.
Personal Accident Cover for the registered owner-driver (up to ₹15 lakh, where applicable).
Normal wear and tear.
Age-related depreciation.
Mechanical or electrical breakdown.
Consequential losses.
Damage caused while riding under the influence of alcohol or drugs.
Riding without a valid driving licence.
Using the vehicle outside the policy terms or permitted usage.
War, invasion, civil war, rebellion, or nuclear risks.
Damage due to intentional or fraudulent acts.
Tyre and tube damage unless accompanied by damage to the insured vehicle.
A standard Navi Bike Insurance Policy provides essential protection for your two-wheeler. However, you can enhance your policy by purchasing optional add-on covers at an additional premium. These add-ons help reduce out-of-pocket expenses and provide protection against situations that are not covered under the base policy.
With the Zero Depreciation Cover, depreciation on replaced parts is not deducted while settling admissible own-damage claims. This helps you receive a higher claim amount and significantly reduces repair expenses.
The Engine Protection Cover safeguards your bike's engine and gearbox against damage caused by water ingress, lubricant leakage, hydrostatic lock, and other insured incidents that are generally excluded under a standard policy.
This add-on covers the cost of consumables replaced during an admissible claim, including engine oil, gearbox oil, coolant, brake oil, grease, lubricants, nuts, bolts, screws, washers, clips, and similar items that are normally not covered under the base policy.
Roadside Assistance provides emergency support if your bike breaks down while travelling. Depending on the policy terms, services may include towing assistance, battery jump-start, flat tyre assistance, fuel delivery, minor on-site repairs, and key lockout assistance.
Normally, raising an own-damage claim reduces your accumulated No Claim Bonus (NCB). With the NCB Protection add-on, you can retain your eligible No Claim Bonus even after making specified claims during the policy period, subject to policy conditions.
If your insured bike is financed through a loan, the EMI Protector Cover helps pay eligible loan instalments in situations covered under the policy, reducing the financial burden during unforeseen events.
This add-on protects the outstanding loan amount on your insured two-wheeler if it suffers a total loss or is stolen, subject to the policy terms and the outstanding loan liability.
If your insured bike is declared a total loss or is stolen beyond recovery, this add-on compensates you with the cost of a new replacement vehicle instead of the depreciated Insured Declared Value (IDV), subject to the policy terms and conditions.
This optional cover provides financial assistance for hospitalisation expenses arising from an accident involving the insured two-wheeler, as specified in the policy.
The Enhanced Personal Accident Cover increases the financial protection available for accidental death or permanent disability beyond the standard owner-driver personal accident cover, subject to the selected sum insured and policy terms.
Buying a Navi Bike Insurance Policy online is a simple process that can be completed in a few minutes through Coverfox.
Visit the insurer's website or insurance platform and enter your bike's registration number. If the registration number is unavailable, you can manually select the bike's make, model, variant, fuel type, registration year, and RTO.
Review the automatically fetched vehicle details and make corrections if required before proceeding.
Choose the policy that best suits your requirements:
Third-Party Bike Insurance
Standalone Own Damage Bike Insurance
Comprehensive Bike Insurance
Long-Term Bike Insurance (where applicable)
Select the optional add-ons you wish to include, such as Zero Depreciation, Engine Protection, Consumables Cover, Roadside Assistance, or NCB Protection.
Compare Navi General Bike insurance plans with other available insurers on Coverfox before making a decision.
Complete the payment securely using your preferred online payment method.
Once the payment is successful, your Navi Two Wheeler Insurance Policy is issued digitally and sent to your registered email address.
Renewing your Navi Bike Insurance online helps you continue your coverage without interruption and retain eligible No Claim Bonus benefits.
Step 1: Visit the Bike Insurance page.
Step 2: Enter your policy number or bike registration number.
Step 3: Verify your existing policy details.
Step 4: Review your current coverage and update your policy if required by adding or removing optional add-ons.
Step 5: Review the premium payable.
Step 6: Complete the payment online.
Step 7: Download the renewed policy instantly after successful payment.
Yes. An expired Navi Bike Insurance Policy can generally be renewed. Depending on the policy expiry period and underwriting guidelines, the insurer may require additional verification or a self-inspection before issuing the renewed policy.
Existing policy number
Bike registration number
Registered mobile number
Previous policy details
No Claim Bonus declaration (where applicable)
Navi General Insurance offers access to 900+ cashless garages across India, enabling policyholders to get their insured bikes repaired without paying the entire repair bill upfront, subject to policy approval.
Under the cashless claim process, the insured vehicle is taken to an authorised network garage after claim registration. Once the claim is approved, the insurer settles the admissible repair amount directly with the garage, while the policyholder only pays for deductibles, depreciation (if applicable), non-covered items, and consumables not covered under the policy.
Customer Care Number: 1800 123 0004 (Toll-free)
Email Support: insurance.help@navi.com
Official Website: www.navi.com/insurance
Mobile App: Navi App (Android and iOS)
Registered Office: Vaishnavi Tech Square, 7th Floor, Iballur Village, Begur Hobli, Bengaluru, Karnataka – 560102
Disclaimer: *Discount up to 85% is calculated by comparing different insurers and may vary depending on the insurer, vehicle details, location, and policy terms.
Yes. Navi Bike Insurance offers Third-Party, Standalone Own Damage, Comprehensive, and Long-Term Bike Insurance plans for motorcycles and scooters. Customers also get access to multiple add-on covers, digital policy management, and a network of 900+ cashless garages.
Navi General Insurance Limited is registered with the Insurance Regulatory and Development Authority of India (IRDAI) under Registration Number 155.
Yes. You can request policy cancellation, subject to Navi General Insurance's cancellation terms and IRDAI guidelines. Refund eligibility depends on factors such as policy tenure, cancellation reason, and whether any claim has been made during the policy period.
Yes. If you switch from another insurer to Navi Bike Insurance, you can transfer your accumulated No Claim Bonus (NCB), provided you meet the applicable eligibility requirements and submit the necessary documents during policy purchase or renewal.
Yes. Navi offers Long-Term Third-Party Bike Insurance and long-term package policy options for eligible two-wheelers in accordance with the prevailing IRDAI regulations.
Yes. Navi offers Standalone Own Damage Bike Insurance, which covers damage to your insured bike due to accidents, theft, fire, natural calamities, and other insured perils. An active Third-Party Bike Insurance policy is mandatory to purchase this cover.
You generally need the following details: Bike registration number (or vehicle details if the registration number is unavailable), Previous insurance policy details (for renewals), Vehicle registration certificate (RC), Personal details of the policyholder, and No Claim Bonus declaration (if applicable). Additional documents may be required depending on the policy type or underwriting requirements.
If your policy has expired, renew it as soon as possible through Navi's website or mobile app. Depending on the expiry period and underwriting guidelines, the insurer may require a vehicle inspection or self-inspection before issuing the renewed policy.
Yes. Comprehensive and Standalone Own Damage policies cover loss or damage caused by theft, fire, flood, cyclone, storm, earthquake, landslide, riot, malicious acts, and other insured perils, subject to the policy terms and conditions.
Navi General Insurance provides access to 900+ cashless garages across India, allowing policyholders to avail cashless repairs at authorised network garages, subject to claim approval.
The premium depends on several factors, including the bike's make and model, engine capacity (CC), registration location, vehicle age, Insured Declared Value (IDV), policy type, selected add-on covers, No Claim Bonus (NCB), and applicable third-party insurance rates prescribed by IRDAI.
You can refer to the latest IRDAI Annual Report to check the most recent Claim Settlement Ratio of Navi General Insurance Limited, as it is the official source for insurer-wise claim settlement data.
