Two-wheeler insurance
Compare two-wheeler insurance for your bike or scooter
Every motorcycle and scooter needs at least third-party insurance to be ridden legally. Comprehensive cover adds protection for the bike itself against accidents, theft and natural calamities. Two-wheeler policies are inexpensive and quick to buy, which is exactly why they are so often allowed to lapse — renewing on time keeps you legal and protects your no-claim bonus.
Your options
Types of two-wheeler insurance
Third-party only
The legal minimum, covering injury or damage you cause to others.
Comprehensive
Third-party cover plus damage to or theft of your own bike or scooter.
Standalone own-damage
Own-damage cover on its own, when your long-term third-party policy is still valid.
Multi-year policy
Cover for several years in one go, so you renew less often and lock in the premium.
Cover
What is covered — and what is not
This is what policies of this kind commonly include. The policy wording of the plan you choose is what decides a claim.
Usually covered
- Legal liability to third parties for injury, death or property damage
- Accidental damage, theft, fire and natural calamities (comprehensive)
- Personal accident cover for the owner-rider
- Add-ons such as zero depreciation, roadside assistance and pillion rider cover
Usually not covered
- Wear and tear, and mechanical breakdown
- Riding drunk or without a valid licence
- Damage outside the policy period or the permitted use
Before you buy
How to compare two-wheeler insurance quotes
IDV
The insured declared value sets the payout on theft or total loss. Match it to the bike's real market value.
No-claim bonus
Builds every claim-free year and transfers to your next bike. Weigh it before claiming for minor damage.
Pillion and personal accident cover
If you regularly carry a passenger, pillion cover is an inexpensive add-on worth having.
Paperwork
Documents you will need
Insurers may ask for more depending on the plan and your answers on the proposal form.
To buy or renew
- Registration certificate (RC)
- Previous policy, for a renewal
- Owner's ID and address proof
To make a claim
- Policy number and claim form
- Driving licence and RC
- FIR, for theft or third-party injury
- Repair estimate and photographs
FAQs
Two-wheeler insurance questions, answered
Can I renew a lapsed two-wheeler policy online?
Usually yes, though some insurers ask for a quick vehicle inspection — often through photos or a video — if the policy lapsed a while ago.
Does the policy cover the pillion rider?
Third-party cover protects other road users. Cover for your own passenger is generally an add-on, so check the policy wording.
Also compare
Other insurance
- Health insuranceHospital bills for you and your family, paid by the insurer — cashless at network hospitals.
- Term life insuranceA pure life cover that pays your family a lump sum if you die during the policy term.
- Car insuranceMandatory third-party cover, plus protection for your own car against accidents and theft.
Talk to us about two-wheeler insurance
Leave your details and our team will call you back to go through the options. There is no obligation to buy.