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Choose your Insurance just like you chose your ride

What is Two Wheeler Insurance?

Simply put, two-wheeler insurance offers security against the financial obligation that is likely to be borne by you in the case of theft, damage or third party damage/death caused by your vehicle. But WHY is it important?

Why is Two Wheeler Insurance Required?

No financial stress!

It offers you a financial shield in case of theft or any damages caused by or to your two-wheeler!

Obligatory by law

A photocopy of the two-wheeler insurance policy must be in your possession at all times.

No Claim Bonus

Not claiming your insurance will also earn you the NCB that further enhances your premium!

Peace of mind

In the worst-case scenario, you are not obligated to spend tremendously on the repairs of your bike.

The Need for Renewing Your Two-Wheeler Insurance

Having an insurance plan is a great way of taking care of the expenses you could suffer in case of third-party damage, which you would otherwise pay from your pocket. Apart from this vital point, there is a host of other benefits:

Easily transfer No-Claim Bonus
No Inspections, No Paperwork
Coverage against Bike Theft
Add-ons for additional protection

The Types of Two Wheeler Policies in India

While all insurance policies are valid for 12 months, there are still two kinds of insurance products offered at present, based on the features and benefits.

Liability Only Policy

Also known as third party insurance, it only offers cover for damage and/or death of a third party and their property. Sadly, It does not provide any benefit for destruction to the insured vehicle in case of an accident or a calamity.

Comprehensive Plan or Package Policy

This is a comprehensive plan that not only covers against legal responsibilities concerning the third parties but also includes the damage to the insured vehicle while accounted with the Personal Accident cover and other add-ons.

The Bike Insurance Renewal Process

Before you renew the insurance, there are a few things you need to keep in mind. The process varies in case your previous insurance is active or inactive:

If your policy is active

Negotiate your premium

Firstly, be well aware of your plan and understand it in-depth. Eliminate features and exclude add-ons that you are sure you won’t use to bring down your cost!

Evaluate your cover

Renewing also lets you evaluate the cover you’ve been offered v/s the other plans in the market. Browse through and pick one that matches your needs!

Know your add-ons

Select add-ons that are best suited to your needs and include them in your policy. They might be an added expense, but they enhance the policy benefits!

Correcting the wrong information

During a policy renewal, you can get previous mistakes rectified by providing the right information – remember, proper policy details are vital for speedier claims!

If your policy is inactive

Missed out on renewing your policy? Don’t worry; it’s only human! Here’s what to do when that happens:

  • Research and compare the plans you wish you consider for the coverage and choose.

  • Contact the insurance company/broker/agent for the coverage.

  • Fix up an appointment for the inspection of your vehicle. Do note; this can invite a nominal fee. If the insurance company chooses to offer you the coverage, you can make the payment and get the policy in hand.

  • This insurance report is valid for only 24 hours, and hence the payment has to be done within this timeframe.


Some Frequently Asked Questions!

How do I renew my two-wheeler insurance policy?

We send you a renewal notice much before your policy expiration date! Just confirm acceptance along with a cheque, and we’ll take care of the rest.

Can I renew my bike insurance policy online?

Yes, you can – with a debit/credit card or even through net banking. Although, for expired policies you will have to contact us for an offline renewal process.

Can I transfer my No Claim Bonus (NCB)?

The answer is yes again! However, this will not be applicable in case you have not renewed your policy for more than three months (90 days). So hurry!

What is a cover note?

A temporary document that helps you to establish proof of insurance for your vehicle. It’s valid for sixty days!

If I have fitted new accessories to my bike, how and when can I get them insured?

They can be insured during the term of the current policy itself. You just need to send a written request to our Customer Care, and we’d take care of the rest!

Show your ride the love that it deserves. Buy it the right insurance plan.

Renew Two Wheeler Insurance