Two Wheeler Insurance in Nagpur

Nagpur, the city famous for oranges and the winter capital of Maharashtra, is growing daily. The vehicle population in Nagpur has crossed the 23 lakh mark (Parivahan Dashboard), out of which 68.5% comprises 2-wheelers (CMP report by MahaMetro). It is evident that the city relies on two-wheelers like bikes and scooters heavily. Commuting through the streets of Nagpur has its own set of problems, problems whose solution is – two-wheeler insurance. Nowadays, buying two wheeler insurance online is easier than ever, and also, as per the law under the Motor Vehicle Act 1988, mandatory. It is a financial safety net for your bikes and scooters. So, let us get you acquainted with two-wheeler insurance online in Nagpur.

Buying bike insurance online is another hassle – unless you know where and what to get. Two-wheeler owners in Nagpur face many challenges, be it rain, theft, or accident. The need for two-wheeler insurance is more than ever. With the world getting digitised, buying two-wheeler insurance online is easy, fast and seamless. Here are the challenges or things owners of two-wheelers should consider before buying a two-wheeler insurance policy in Nagpur:

• Accident Risk

According to many police reports, certain “Black spots” or high accident areas like Umiya Cutting, Wardha Road, Koradi Road, and Hingna Road are infamous for accidents. Accidents prove to be extremely risky, especially for two-wheeler riders. Getting a personal accident cover along with bike insurance online is a smart choice.

• Theft RIsk

According to police reports in 2024, between January and April, over 640 two-wheelers were stolen in Nagpur. This is an astonishing figure, and if you have a 2-wheeler insurance in Nagpur, you will get compensated for the IDV amount in case your bike gets stolen.

• Natural Disasters

Nagpur is very much susceptible to floods, with the most recent devastating flood happening in 2023. Floods can easily damage your precious bikes, having engine protection cover during monsoon ensures repair costs don't end up eating your savings.

• Online Bike Insurance

You can get bike insurance online, no need to go and line up in queues at insurance offices, selection through a brochure, etc. Just visit Coverfox, compare bike insurance prices and then select the best one for you.

• Legal Compliance

Under the Motor Vehicle Act 1988, having a bike insurance policy is mandatory to be able to ride on public roads in India. Get a third-party bike liability cover from Coverfox today.

• Easy Claim Process and Support

Coverfox gives out the best support system in the market, providing excellent after-sales services through chat and call. If you have any problems with the claim process, contact Coverfox support.

There are 3 types of 2-wheeler insurance available online in Nagpur:

1. Third-Party Two-Wheeler Insurance

A third-party two-wheeler insurance ensures coverage for any liabilities to the third party (vehicle, individual or property) arising from an accident. This type of insurance is mandatory under the Motor Vehicle Act 1988, and not having it whilst riding the streets of Nagpur can lead to hefty fines.

• 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

A comprehensive bike insurance policy covers any third-party damages and damage done to your bike in an accident. Comprehensive insurance will cover every aspect of your bike that needs to be insured by customising the two-wheeler insurance policy with add-ons. It is the most recommended type of bike insurance as it covers all types of damage.

• 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 the influence


• Unapproved bike modifications


• War effects


• Mechanical or electrical breakdowns

3. Standalone Own-Damage Insurance

Standalone or own-damage bike insurance only covers damages to your bike. This type of insurance is only available if you already own third-party 2-wheeler insurance from the same or another insurer. This policy is best for those who already have third-party insurance and want to further protect their bike or two-wheeler.

• 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.

You can buy two-wheeler insurance online through Coverfox in Nagpur by:

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?” 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 secure payment gateway


9. Your policy will be emailed to you at your registered address.

It will take just 3 minutes for your two-wheeler insurance renewal online through Coverfox in Nagpur:

1. Head over to the 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 secure payment gateway.

If your old policy is from Covefox, then:

1. Head over to the Coverfox website


2. Click on “Renew Here”


3. Enter your mobile number to log in or use your old policy number


4. Select the new policy that fits your needs


5. Pay online through the secure payment gateway.

Documents Required to Buy/Renew Two Wheeler Insurance Policy in Nagpur:

• Proof of purchase of the two-wheeler (In case of new vehicle)


• Registration Certificate (RC)


• ID proof


• Address proof


• Driving Licence (DL)


• Previous Insurance policy (in case of Renewals)

You can have 2 types of two-wheeler insurance claims in Nagpur - reimbursement/cashless claims. To file a claim, follow these steps:

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 Nagpur

• Duly signed claim form


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


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


• Copy of the first two pages of the policy document


• FIR for accidental damage


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

Follow these tips to reduce bike insurance prices in Nagpur:

• 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 gear installed


• Select high voluntary deductibles


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


• Select only the add-ons that you need.

Bike insurance in Nagpur is absolutely necessary and mandatory by law. It acts as a financial safety net for you and your bike. It saves you money and provides you with extra services and protection as per the policy. Ride with peace of mind if you have two-wheeler insurance. Get the best two-wheeler insurance prices at Coverfox and get your bike insured today!