How To Choose The Best Two-Wheeler Insurance Plan


If you are thinking about buying a Two-Wheeler Insurance Plan, then you are at the right place. You will get free quotes from top insurance companies.

We allow you to do a comparison that will help you in getting the best Two-Wheeler Insurance Plan simply and quickly.

Two-Wheeler Insurance includes motorbike, Scooty, scooter etc. Two-wheeler insurance provides financial coverage to your vehicle in case of physical damage, third party liability and theft as well.

With the help of, you can renew your existing two-wheeler insurance plan and can save a big amount on the premium.


The type of coverage depends upon the norms of the selected plan and company. You have multiple choices across many companies in India such as Bajaj Allianz, ICICI Lombard, TATA AIG, Bharti AXA, HDFC ERGO, & others. Whole information about the Two-Wheeler Insurance plan and related things.

What does Two-Wheeler Insurance Plan cover?


There are majorly two types of coverage:

  • Third Party Liability coverage: It covers damages caused by you to the Third Party. This coverage does not include damage to the vehicle. Third Party Liability coverage is mandatory in India.
  • Comprehensive coverage: This includes damages due to natural calamities, personal accident cover, damage & theft of your vehicle, and repairs as well.

Importance of Two-wheeler Insurance Plan


Two-Wheeler insurance plan assists you in providing protection against any damage to your two-wheeler. It ensures safety and security against many problems like man-made and natural calamities. It will help you in preventing your vehicle unforeseen incidents like theft, accident and many more. It is a valuable investment which ensures safety and security of your vehicle.

Insurance Premium

There are certain factors which affect the premium of your vehicle:


  1. Insured Declared Value(IDV): it is value for which vehicle is insured & remains fixed for the policy tenure.
  2. Cubic capacity: Premium increases with the increase in the capacity of the vehicle.
  3. Area: Metropolitan cities have higher premium than the rest of the cities.
  4. Vehicle Age: older your vehicle, higher the premium
  5. Anti-theft device: If you have installed an anti-theft device approved by ARAI, you can avail the discount on your premium.

NCB: In case you have not made any claims in a particular year, then you become eligible for discount on renewal of the policy in the subsequent years. It gets accumulated every year and usually ranges from 20% to 50%. NCB rates are standard across companies.

Documents required for Buying two-wheeler insurance


  • For Buying New Policy:
    1. Filled up proposal Form
    2. Copy of Registration Certificate (RC)
  • For Two-wheeler Insurance Renewal:
    1. Filled up proposal Form
    2. Copy of Previous insurance
    3. Copy of Registration Certificate (RC)


Curated from Bike Insurance: Buy & Renew Two Wheeler Insurance Online

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