Two Wheeler Insurance in Vadodara

Vadodara, or previously known as Baroda, is a major city in Gujarat, famous for its rich heritage and palaces. It is also known as “Sanskari Nagar”, meaning the City of Culture. The city has seen a surge in two-wheelers, especially in the EV sector. In 2023, Gujarat also saw a significant 1,475% increase in EV sales over two years, with two-wheelers accounting for the majority of those sales. With the rise in demand for two-wheelers, it is important to buy bike insurance for the same. Let's go over the world of two-wheeler insurance in Vadodara.

Here are the challenges and reasons why two-wheeler insurance is an essential choice for riders in Vadodara:

• Legal Compliance

As per the Motor Vehicle Act 1988, a third-party bike insurance policy is mandatory to be able to ride on Indian roads. This ensures you do not collect any unnecessary fines and are compliant with the traffic laws.

• Traffic Congestion and Accident Risk

In 2019, Vadodara saw 17,046 road accidents, according to a comprehensive report on road safety. This number decreased to 16,349 by 2023. The L&T Circle, the city bus stand area, and various bridges like the Waghodia Bridge, Ajwa Bridge, and Kapurai Bridg are infamous for traffic congestions. This calls for an emergent need for two-wheeler insurance.

• Flood Risk

According to a study conducted in 2024, 75% of Vadodara is in a flood risk zone. Floods can easily damage your bike – damages that require repairs. These repairs can be easily covered by comprehensive bike insurance. Use add-ons like Engine Protection Cover and Consumable Cover to further enhance your protection plan.

• Network Garages

Many insurers have a wide network of garages in the Sanskari city. These network garages avail the facility of cashless transactions, making claims easier and repairs better.

• Man-Made Hazards

Although Vadodara is a rather peaceful city, incidents of riots and vandalism have been recorded across the city, causing property damage. If you are not insured, you have to bear the cost of repairs from your own pocket. Better safe than secure, get bike insurance to ensure complete safety.

Mainly, there are 3 types of two-wheeler insurance in Vadodara, and a combination of two is called a hybrid bike insurance policy. These bike insurance policies include:

1. Third-Party Two-Wheeler Insurance

A third-party two-wheeler insurance policy covers liabilities to the third party (vehicle, individual or property) arising from an accident. This type of insurance is mandatory as per the Motor Vehicle Act 1988 and not having it whilst riding the streets of Vadodara 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 two-wheeler insurance covers any damages done to a third party and damages done to your own bike in an accident. Comprehensive bike insurance will cover every aspect of your bike that needs to be insured by customising the insurance policy with add-ons. It is the most recommended type of bike insurance as it covers all types of damages.

• 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 protections, etc.)



• Exclusions

• Normal wear and tear


• Riding illegally or under influence


• Unapproved bike modifications


• War effects


• Mechanical or electrical breakdowns



3. Standalone Own-Damage Insurance

Standalone or own-damage insurance only covers damages to your bike and not third party. This type of insurance is only available if you already have third-party insurance from the same or other 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.

To buy two-wheeler insurance online in Vadadora, you can visit Coverfox and follow these steps:

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?” in order 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 secured payment gateway


9. Your policy will be e-mailed to you on your registered address.

Renew two-wheeler insurance policy online in Vadodara in under 3 minutes through Coverfox:

1. Head over to 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 secured payment gateway.

If your old policy is from Covefox then:

1. Head over to Coverfox website


2. Click on “Renew Here”


3. Enter your mobile number to login or use your old policy number


4. Select the new policy that fits your need


5. Pay online through the secured payment gateway.

Your policy will be renewed after the payment and verification of documents.

Documents Required to Buy/Renew Two Wheeler Insurance Policy in Vadodara

• 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 (Incase of Renewals)

To make a cashless claim or a reimbursement claim in Vadodara, 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 Vadodara

• Duly signed claim form


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


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


• Copy of first two pages of policy document


• FIR for accidental damage


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

You can adjust and lower your bike insurance premium rates by following a few simple tips:

• 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 gears installed


• Select high voluntary deductibles


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


• Select only add-ons that you need.

The city of Vadodara is a developing city, with gradual shift towards EVs (Especially two-wheelers). The need for two-wheeler insurance is now higher than ever, and to get best bike insurance quotes you can easily rely on Coverfox. Get your two-wheeler insurance policy today and ride with a peace of mind in the streets of Vadodara!