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icon Two Wheeler Insurance
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  • Why Insurance In India
  • Why Online
  • Thing To Consider Before Buying
  • Benefits
  • Type Of Insurance
  • Comprehensive Vs Third Party
  • How To Compare
  • Check Premium
  • Top Rated Insurance Companies
  • Best Insurance Policies
  • Key Features
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  • Covered
  • Not Covered
  • Claims
  • How To Renew
  • Steps To Renew
  • Importance Of Renewing
  • How To Save Premium
  • How To Buy From Coverfox
  • Benefits Of Buying On Coverfox
  • How Check Insurance
  • Claim Process
  • How To Pay Online
  • Top Articles
  • Frequently Asked Questions
  • Popular Bike Manufacturers

英雄联盟直播新版

Two Wheeler Insurance or Bike Insurance is a plan that protects the owner of a bike from any possible damages in case of an accident, theft or natural disaster. Currently, a third-party 2 wheeler insurance policy is mandatory under the Motor Vehicle Act 1988.
It is advisable to buy bike insurance policy as it will help you to cover any unforeseen expenses arising out of the damage caused to your two wheeler due to accidents, natural calamities or third party accidents or liabilities.
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Why Do You Need Two Wheeler Insurance in India?

Physical Damage to Your Car
Physical Damage to Your Bike
Protection from Repair expenses for your bike resulting from an accident.
Liability Towards Third-Party
Liability Towards Third-Party
Protection from Legal Liability arising from death or disability of third-party due to an accident with your bike.
Liability Towards Property
Liability Towards Property
Protection from Third-party Property Liability arising from damage or destruction of property due to an accident with your bike.
Personal Accident Cover
Personal Accident Cover
Not just your vehicle, the third-party and third-party property you are also protected. You get an accident cover of Rs. 15 lakh.
Mandatory by Law
Mandatory by Law
Protection from Steep Traffic Fines and a Free 3 Month Trip to Jail. It helps you comply with the Motor Vehicles Act, 1988
Complete Peace of Mind
Complete Peace of Mind
Now no more worries while enjoying those long road trips. You are completely safe and secure from financial losses.

Why to Buy Bike Insurance Online

A two wheeler insurance policy protects your bike or scooter against any damages caused due to road accidents, natural disaster, and theft or loss. A bike insurance policy covers damages to your two wheeler and legal liability towards third parties. With us, you can secure your bike at affordable rates. There are currently three kinds of bike insurance policies available.

Also Check Top Plans in 2021
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Reliance General Insurer
Amount Covered: ₹ 1 Lakh
Deal Price: ₹ 2,094 / Year
Waiting period: 4 yrs

Disclaimer: The above mentioned prices are for a 2 year old Hero Honda Karizma R 223 CC, registered in Navi Mumbai & previous policy has expired.

Things to Consider Before Buying Two Wheeler Insurance Online

Mentioned below are some important facts which you can consider before buying bike insurance online from Coverfox.com and also avail certain additional benefits:

save-money
Save Money

We do not charge any extra amount!



fast-policy-delivery
Fast Policy Delivery

With Coverfox, get a comprehensive online two-wheeler insurance coverage plan in 5 minutes.

online-claim-settlement
Online Claim Settlement

The entire process of claim settlement is fast, convenient and hassle-free.


digital-document
Digital Documentation

All of your KYC documents are digitally stored and secured. There is no need for physical inspection.

customer-support
Customer Support

Call us on 1800 209 9930 and let us handle the rest.

complete-online-process
Complete Paperless Online Process

Buy, compare and renew best bike cover plans online on Coverfox.

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What are the Benefits of Two Wheeler Insurance?

Complete Peace of Mind
Mental Peace
Accidents can lead to huge repair charges. Your insurance takes care of the unwanted expenses.
All Vehicle Types
All Vehicle Types
It protects against the damages caused to the motorcycle, scooter, moped and other vehicles.
Replacement Cost
Replacement Cost
Insurance policy covers the cost of spare parts, including bolts, nuts, gear & other parts.
Financial Security
Financial Security
Even small damages can cost thousands of rupees. A two wheeler insurance plan gets the damage repaired without spending much from your pocket.
Personal Accident Cover
Personal Accident Cover
It covers expenses towards any injuries along with damages caused to your vehicle in an accident.
Roadside Assistance
Roadside Assistance
An add-on that will come to your aid in case you need assistance on the road. This includes services such as minor repairs, towing, tyre changing, etc.

Types of Bike Insurance Policies in India

Third Party Policy

It covers you from liabilities towards accidental injuries to a third-party person, including his death or chronic disability.

Own Damage(OD) Policy

It's also known as Self-Damage. It protect your bike from all kinds of accidents and disasters.

Comprehensive Policy

It shields your vehicle from incidents of natural calamities, fire, theft, accidents, and man-made disasters.

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Which is Best Comprehensive or Third Party Cover?

Here is a comparison of Comprehensive vs Third Party Cover Two Wheeler Insurance Plans:

What is Covered? Third-Party Comprehensive
Third-Party Vehicle Damage
✔
✔
Third-Party Property Damage
✔
✔
Personal Accident Covered
✔
✔
Own Vehicle Damage
✖
✔
Vehicle Theft
✖
✔
Fire Damage
✖
✔
No Claim Bonus
✖
✔
Cashless Claim
✖
✔
Damage from Natural Calamities
✖
✔
Engine Protection
✖
Through Add-on
Zero Depreciation Cover
✖
Through Add-on
NCB Protection
✖
Through Add-on
Invoice Cover
✖
Through Add-on
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How to Compare Two-Wheeler Insurance Plans Online?

Comparing bike insurance quotes online has become easy with Coverfox. Now you can compare two-wheeler insurance plans online from various 2 wheeler insurance companies and get the best suitable policy at lowest premium prices. You can also check the IDV, NCB, claim settlement ratio as well as cashless garages of these insurance companies.

However, you must also consider the below points while comparing two-wheeler insurance plans:

  1. Type of 2 wheeler insurance: Do check if the motor insurance company is offering both comprehensive as well as third party insurance plans. This will help you manage both your policies easily.
  2. Add-On Covers: Make sure to check all the necessary add-on covers are provided by the insurance provider. Add-on covers provide extra coverage to your motorcycle which is otherwise not included in your policy, by paying extra premium amount.
  3. Claim process: Check the claim settlement ratio as well as the process of claims offered by the insurance provider. Most companies provide both, cashless as well as reimbursement claims. Depending on your needs you need to select the one that suits your needs.
  4. Renewal process: With the digital age, most insurance companies offer bike insurance renewal online. Renewing motorcycle insurance online has become a matter of seconds without any hassle or extra costs. Upon successful renewal, the policy will be sent to your registered email address.
  5. Offers or Discounts: While comparing bike insurance plans, it is important to see how much discount is offered by the insurance company. Different companies offer different discounts on your NCB. Some companies even offer discounts for online policy renewal, credit card discounts etc.

How to Check Motorcycle Insurance Policy Premium

Top Plan
IDV Cover Value
Net Premium
Plan Details
New India Bike Insurance
45,739
₹ 1,358 *
United India Bike Insurance
45,739
₹ 1,457 *
Iffco Tokio Bike Insurance
32,435
₹ 1,465 *
Digit Bike Insurance
40,881
₹ 1,645 *
Oriental Bike Insurance
40,658
₹ 1,792 *
MAGMA HDI Bike Insurance
42,829
₹ 2,028 *

Disclaimer: The above mentioned prices are for a 2 year old Suzuki Burgman Street 125, registered in Navi Mumbai & previous policy has not expired.

Top Rated Two Wheeler Insurance Companies

HDFC ERGO
HDFC ERGO Two Wheeler Insurance
Reliance
Reliance Two Wheeler Insurance
Oriental
Oriental Bike Insurance
Go Digit
Digit Two Wheeler Insurance
Kotak
Kotak Two Wheeler Insurance
Royal Sundaram
Royal Sundaram Two Wheeler Insurance
National
National Two Wheeler Insurance
SBI
SBI Two Wheeler Insurance
Liberty General
Liberty General Two Wheeler Insurance
Magma HDI
Magma HDI Two Wheeler Insurance
Shriram
Shriram Two Wheeler Insurance
Universal Sompo
Universal Sompo Two Wheeler Insurance
ICICI Lombard
ICICI Lombard Two Wheeler Insurance
Edelweiss
Edelweiss Bike Insurance
United India
United India Bike Insurance
Bajaj Allianz
Bajaj Allianz Two Wheeler Insurance
IFFCO TOKIO
IFFCO TOKIO Two Wheeler Insurance
Raheja QBE
Raheja QBE Bike Insurance
Future Generali
Future Generali Bike Insurance
Future Generali
ACKO Two Wheeler Insurance
Cholamandalam
Cholamandalam Two Wheeler Insurance

Best 2 Wheeler Insurance Policies in India - September 2022 (IRDAI Approved)

Here is a comprehensive list of the best two-wheeler/bike insurance plans, the insurers, their respective Third party Cover and a number of Personal Accident Cover across India.

Two Wheeler Insurance Companies Motor OD Claim Settlement Ratio FY20 Motor incurred claim Settlement Ratio FY20 Network Garages
IFFCO Tokio General Insurance 95.30% 87.77% 4,300+
Royal Sundaram General Insurance 92.66% 92.23% 4,600+
The Oriental Insurance Company 91.76% 101.63% 3,100+
HDFC Ergo General Insurance 91.23% 79.21% 6,800+
Universal Sompo General Insurance 90.78% 89.54% 3,500+
TATA AIG General Insurance 90.49% 80.29% 5,000+
The New India Insurance 89.60% 85.35% 3,000+
SBI General Insurance 89.51% 92.05% 16,000+
Bajaj Allianz General Insurance 88.83% 65.83% 4,000+
Future Generali India Insurance 88.69% 57.67% 2,500+
Bharti AXA General Insurance 87.99% 81.91% 5,200+
ICICI Lombard General Insurance 87.71% 76.83% 5,600+
Liberty General Insurance 87.48% 70.95% 4,300+
Cholamandalam MS General Insurance 85.89% 82.95% 7,100+
National Insurance Company 85.71% 116.44% 3,100+
Edelweiss General Insurance 84.52% 116.31% 1,000+
Reliance General Insurance 84.26% 84.63% 3,800+
Acko General Insurance 83.91% 97.58% 2,000+
United India Insurance Company 82.93% 96.45% 3,100+
Kotak Mahindra General Insurance 82.81% 76.66% 1,300+
Go Digit General Insurance 80.47% 74.82% 1,400+
Magma HDI General Insurance 79.60% 85.13% 4,000+
Shriram General Insurance 77.26% 66.43% 2,000+
Navi General Insurance 76.20% -% 900+
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Key Features of Having a Bike Insurance Policy

Following are some of the key features of two-wheeler insurance plans:

Feature Cover offered
Own Damage Cover Offers financial protection against damage incurred by your two-wheeler
Liability Cover Covers financial obligation against third party and property due to their death, disability and property destruction from an accident
Personal Accident Cover Rs. 15 lakh cover for you payable in case of death or disability due to an accident.
Add-Ons Zero depreciation, No Claim Bonus Protection Cover, Engine Cover, Return to Invoice and more for added protection.
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Two Wheeler Insurance Add-Ons

Zero Depreciation Cover

Due to passage of time your bike loses value due to depreciation, which can directly reduce the amount of settlement, at the time of claim. When you purchase a Zero Depreciation Cover you do not have to compromise on the claim amount, as it foregoes the amount of depreciation on the parts made of nylon, plastic and fiberglass. In the event of a claim settlement, the customer receives the full amount due without any deductions for depreciation. It is always advisable to get this add on cover it will help you from any loss in claim, arising from depreciation of your bike or scooter

Zero Depreciation Cover

No Claim Bonus

The No Claims Bonus Add-on allows you to avail a discount on bike insurance premium for the term where you don’t make a claim on your insurance policy. Not making a claim shows you as a safe driver, and the motorcycle insurance company allows you to avail for No Claim Bonus (NCB) discount at the time of your two-wheeler / bike insurance renewal. The no-claim bonus discount can range anywhere from 20-50% of your own damage premium.

No Claim Bonus

Emergency Roadside Assistance Cover

There can be times where your bike or scooter breaks down in the middle of the road and you will then need to drag the bike to the service center at your own expense, this is where this add-on to your bike insurance protects you. This add-on cover insures you from a variety of unplanned and unforeseen incidents that could lead to a roadside emergency such as towing, lost key assistance, battery jump-starts, replacement keys, and fuel arrangements Tyre changes and small repairs on-site are also included. The add-on is of great benefit if you ride long distances every day, especially on Indian roads.

Emergency Roadside Assistance Cover

Return to Invoice

During the claim settlement of total loss, the bike insurance company pays you the Insured Declared Value (IDV) of your bike. Return to Invoice add-on bridges the gap between the IDV of your two-wheeler insurance policy and its current on-road value. This includes taxes, documentation and other related charges as well. What this add on does is provides the policy holder to get an insurance amount as per the price on which the policy was purchased, you will get the entire amount in scenarios where your two wheeler was damaged due to total loss or theft.

Return to Invoice

Daily Allowance Benefit

In a case where your bike has met a casualty, it might be possible that your bike is left at the network garage for days at a time. In such a case, a Daily Allowance Cover provides you with a daily travel allowance till the time your bike is repaired and released from the network garage.

Daily Allowance Benefit

EMI Protection

When you have an EMI protection cover, your bike insurance company shall pay the EMIs for your two-wheeler if the bike is getting repaired at a network garage after an accident.

EMI Protection

Engine Protection Cover

The life and power of your two-wheeler depends on its engine. Hence, taking care of the engine is a must. An engine protection cover add-on covers the damage on your engine caused by water ingression or oil leakage, which is usually not covered under the standard two-wheeler / Bike insurance policy.

Engine Protection Cover

What is Covered Under Two Wheeler Insurance Policy?

Cover from Natural Calamities
Cover from Natural Calamities
Be it Flood, Earthquake, Cyclone, Hurricane, Lightning, Storm, Landslide or anything else.
Man Made Calamities
Man Made Calamities
Be it Theft, Burglary, Riots, Malicious acts or anything else.
Own Damage Cover
Own Damage Cover
Damage or loss to Electrical and Non-Electrical Components and Accessories
Personal Accident Covere
Personal Accident Cover
Get Cashless Service at more than 10,000+ Network Garages for a worry free repair
Third Party Liability
Third Party Liability
Provides cover against any legal loss of money due to injuries to a third party which may have even led to his demise.
Fire & Explosion
Fire & Explosion
It covers losses or damage caused due to self-ignition, fire, or an explosion.

What is Not Covered Under Two Wheeler Insurance Policy?

Here is a list of exclusions under a two-wheeler insurance plan:

  • Loss from mechanical/electrical breakdowns.
  • Any damage to the tyres and tubes in the normal course of running.
  • Damage caused due to normal wear and tear of the vehicle.
  • Any loss occurred while the bike was being used beyond the scope of coverage. Read More About: Used Bike Insurance
  • Any consequential loss from regular use.
  • Any damage caused due to the driver who is driving under the influence of drugs or alcohol.
  • Any loss incurred due to war or mutiny or nuclear risk.
  • Loss/damage incurred when the bike was being driven by a person without a valid driving license.
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How to Claim Two Wheeler Insurance?

You can make a claim for your Two-wheeler, bike or scooter Insurance cashless two wheeler insurance online . There are two ways of filing a claim for insurance online; 1) cashless claim and 2) reimbursement. Let’s discuss both the claim processes:

cashless-claim

Cashless Claim

You need not pay a single rupee, the money is given to garage by the insurance company

reimbursement-claim

Reimbursement Claim

You can pay the money first, incase of claim & later get it reimbursed by insurance company

Cashless Claim: You can make a cashless claim in case of repair undergoing at one of the network garages. In a cashless claim, the damages are directly covered by your bike insurance provider, and you have to pay nothing out of your pocket.

Reimbursement Claim: If your vehicle covered under the bike insurance policy gets repairs on a garage which is not in the list of your insurer’s approved network garages, then you can file a reimbursement claim for your policy. Under this, you'll need to pay for the repairs upfront and then submit a claim for reimbursement to your insurance company.

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Process for Bike Insurance Renewal Online

With Coverfox, you can easily apply for two-wheeler insurance renewal online in simple steps with lowest premium on 2 wheeler insurance in a hassle free manner. Renew your motorcycle insurance online and save get up to 80% discount.

Steps to Renew Two-Wheeler Insurance Policy Online

You can renew your 2 wheeler insurance online by just filling up the form on the website and providing basic details. All you need to do is keep your expired motorcycle insurance documents handy for the details and follow the below mentioned steps:

  • Go to bike insurance renewal form
  • Enter the registration number of your two-wheeler and other necessary information
  • Select your desired 2 wheeler insurance plan
  • Select the add-ons or update IDV. Make sure that your IDV is 10% less than your previous policy.
  • Next you will see the premium amount for your two-wheeler insurance
  • Choose the mode of payment and make the payment
  • Your bike insurance policy will be renewed as soon as the payment is done

You will receive the documents of your bike insurance policy renewal on your registered email address. You can also download the document and take a printout. You can carry this document with you while driving in order to avoid hefty fines.

Steps to Renew Bike Insurance Policy Offline

To renew your two-wheeler insurance offline, you need to visit the nearest office of your insurance company. Make sure to carry all the necessary details of your existing or expired motorcycle insurance policy. You need to fill an application form with the necessary details. Generally, you will be handed your renewed policy documents immediately if the payment is made in cash, debit card or demand draft.

If you wish to make the payment with a cheque, it may take some time to clear. In such cases, your policy will be emailed to you on your registered email address.

Steps for Bike Insurance Renewal Online

  • 1 Enter Bike Details
    Enter Bike Details
    Fill in your Bike registration number and other basic details
  • 2 Compare & Select Right Plan
    Compare & Select Right Plan
    Go through the shortlisted plans, their premiums and choose the best plan
  • 3 Add Additional Covers
    Add Additional Covers
    Increase the protection by attaching add-ons like Zero Dep. Engine Protection, etc.
  • 4 Make Online Payment
    Make Online Payment
    Pay Premium online through a secure gateway from your credit/debit card, internet banking, wallet, etc.

Importance of Renewing Expired Bike Insurance Policy

It is mandatory to carry valid two-wheeler insurance policy documents for the two wheeler owner all the time. A motorcycle or scooty insurance also provides coverage to the policy holder against financial losses incurred due to theft, loss, damage or injuries caused by a third party.

As per the law, if the two-wheeler owner is caught without having a valid motorcycle insurance, then they can be fined up to Rs. 1000 or sentenced up to three months of imprisonment or both. Apart from facing legal issues, the policyholder may also lose all the accumulated benefits in the form of No Claim Bonus if they fail to renew the bike insurance policy on time.

In order to avoid all these issues and keep getting continued benefits of your policy, you must renew your 2 wheeler insurance on time.

How to Save on 2 wheeler Insurance Premium?

To ensure you get the most benefits out of your bike insurance policy, you must keep in mind the factors that affect your bike insurance premium. Below are some tips to save a considerable amount on your insurance premium:

  • Compare Plans:
    When getting a two-wheeler insurance online, the best decision is to first compare bike insurance policies online. Keep a note of the coverage and other benefits offered by various bike insurance companies and choose the one that fits your budget and requirements. By comparing, you will be able to identify which policy offers maximum benefits at minimal premium, to compare and get best deals, visit our Bike Insurance Compare section

  • Claim Your No Claim Bonus (NCB):
    Ensure claiming your No-Claim Bonus (NCB) discount on your bike insurance premium, whether you opt for a two-wheeler insurance renewal or a new bike insurance plan. In either case, for every year when you don't make a claim, an NCB can be availed, which can significantly reduce your bike insurance premium.

  • Install Safety Devices:
    The more secure your vehicle is, the lesser it becomes a liability for your bike insurance provider. Ensure companies offer lower bike insurance premiums if your vehicle is well secured with anti-theft devices. Hence, installing safety and anti-theft devices approved by Automotive Research Association of India (ARAI) will reduce your premium amount.

  • Know Your Vehicles Age:
    Because of depreciation, the market value or Insure Declared Value of your bike decreases as it gets older. As a result, as the age of your bike increases, the premium you need to pay decreases.

  • Choose Suitable Add-on Covers:
    Though add-ons can provide some important additional benefits, they tend to increase the amount of your bike insurance premium. You must choose only those add-ons which are crucial, provide benefits to you and fall in your budget.

  • Renew Your Insurance on Time:
    When a bike insurance policy is about to expire, the NCB benefit is only valid for 90 days from the policy's due date. To avoid a price increase in premium, make sure to renew your bike insurance as soon as possible.

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How to Buy Two Wheeler Insurance Policy Online on Coverfox?

Buying a two-wheeler insurance online instantly on Coverfox is easy and simple, just follow the steps mentioned below:

  • Step 1 : Scroll to the top of the page.
  • Step 2 : Enter the details required.
  • Step 3 : Select your city and your RTO zone .
  • Step 4 : Choose the two-wheeler manufacturer, model & variant of your bike.
  • Step 5 : Enter the year of vehicle manufacturer.
  • Step 6 : Premium quotes from various insurers will be displayed.
  • Step 7 : Select the plan best fitting your needs.
  • Step 8 : Choose add-on covers that you want
  • Step 9 : Enter the required personal details.
  • Step 10 : Pay premium through options like internet banking, debit/ credit cards.
  • Step 11 : The policy will be issued and emailed to your registered email id.
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Benefits of Buying Bike Insurance Online on coverfox

Here is a list of several benefits you can avail by buying two-wheeler insurance online from Coverfox.

No More Agents
No More Agents
We provide concrete and reliable information which helps you make the right decision.
Zero Paperwork
Zero Paperwork
Application is filed digitally along with a scanned copy of required documents with minimal to no paperwork
Cost-effective
Cost-effective
Eliminates the need for an agent which reduces any commission costs along with frequent discounts.
Convenient and Time Effective
Convenient and Time Effective
You are not limited by working hours branch & agents. Buy policy in your convenient time.
Payment Reminders
Payment Reminders
Our mobile app sends reminders at frequent intervals. So you never miss a due date.
Pay Premium Online
Pay Premium Online
Digital payments is the new choice & our platform supports all digital payment channels
Easy Endorsement
Easy Endorsement
As easy as submitting a self-declaration and verification of the amended information to your insurer.
Soft Copy of the Document
Soft Copy of the Document
Receive digitalk copy of your insurance policy via email & mobile app.

How to Check Two Wheeler Insurance?

Driving without valid two-wheeler insurance in India can land you in trouble with the law enforcement authorities. A third-party liability, only insurance policy is compulsory if you want to use your vehicle in India, as per the Indian Motor Vehicles Act, 1988. A two-wheeler insurance policy must mandatorily be carried by you while using your vehicle along with other necessary documents like Driving License, Registration Certificate (RC) of the Two-wheeler and Pollution Under Control Certificate (PUC).

It is quite natural that one can forget to carry or renew their two-wheeler insurance policy. But, did you know your negligence can cost you a fine of Rs. 2,000/- and a free jail trip for 3 months if you are a repeat offender.

So, always remember to carry your two-wheeler insurance and ensure that it is valid too. You can quickly check the policy status through these simple methods:

  1. VAHAN Portal:
    If you have misplaced your insurance copy. You can open the official webpage of the Road Transport and Highways Ministry (https://vahan.nic.in/) and click on Know Your Vehicle details to get your two-wheeler insurance policy details.
    Step 1 - Open VAHAN e-services and click the “Know Your Vehicle Details” button.
    Step 2 - Enter Bike Number and Verify your login by providing the answer to the logical question.
    Step 3 - Click the Search Vehicle button.
    Step 4 - Check the details displayed
  2. Policy Copy:
    You can check the policy document and instantly know about the date till which your insurance cover is active.
  3. Insurer Website:
    If you do not have your policy document with you, but remember the name of the insurance company from which you have brought your previous two-wheeler insurance policy, your work is half done. You can visit the insurer website to check whether the policy is active or not, and download a copy is required. You can also get in touch with the customer care team if you face any difficulties.
  4. RTO Office:
    You can also visit the regional transport office to determine whether the two-wheeler insurance policy is active or expired.
  5. IIB Portal:
    You can also visit the Insurance Information Bureau portal to know the status of your two-wheeler insurance policy. You have to visit https://iib.gov.in/ and click on the v-seva to get the required details.
  6. So, when you decide to drive your two-wheeler, ensure that you have an active two-wheeler insurance policy.

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    Types of Two Wheeler Insurance Claim Settlement Process

    Here are the steps involved in the claim settlement process for cashless and reimbursement claim for your bike:

    Cashless Claim Settlement Process

    • Inform your insurance company about the accident.
    • A survey will be conducted to evaluate the damage.
    • Fill in the claim form and provide the required documents.
    • Then, the insurer will approve the repair.
    • Your bike will be repaired at one of the network garages of your insurance company.
    • After repairs, your insurer will pay the repair charges directly to the garage.
    • You are only required to pay the deductibles or non-covered expenses (if any).

    Reimbursement Claim Settlement Process

    • File the claim with your insurance company.
    • Fill up the claim form and provide all the documents required.
    • A survey will be conducted to evaluate the repair cost.
    • Give your vehicle to be repaired at a non-approved garage.
    • Clear the bill with the garage.
    • Submit all the bills, receipts as well as ‘proof of release’ to the insurance company.
    • Once the claim is approved, the approved amount will be paid to you as a reimbursement.
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    How to Pay Two-Wheeler Insurance Online?

    Now you can pay for bike insurance online. It is a simple, fast, hassle-free and convenient method. Here are the steps for the same:

    • Visit the official website of your preferred insurer
    • Click on bike/two wheeler insurance
    • Select the suitable plan and the premium quote
    • Make the payment online via debit/credit/Net Banking
    • Your policy will be delivered to your email ID
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    Top Article's on Two Wheeler Insurance

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    Frequently Asked Questions

    • Q. How to check two wheeler insurance status?
      • You can follow any of these steps to check your two wheeler insurance policy status:

        • Login with your registered user ID and Password on the insurer’s official website
        • You can also down the mobile app of the insurer
        • Many insurer’s also provide SMS and missed call facility
        • Contact the customer service department via phone or email
        • Contact your agent/broker who sold you the policy
    • Q. Why two wheeler insurance policy is mandatory in India?
      • As per the Indian Motor Vehicles Act, 1988, all vehicles plying on the Indian roads must have a third party liability cover. The liability bike insurance policy is mandatory to ensure that in case of a road accident, the person being injured or property being damaged by your vehicle is compensated.

    • Q. How to get a copy of my two-wheeler insurance policy online?
      • You can get a copy of your two wheeler insurance policy document via any of the following ways:

        • Login to your insurer’s website and request for a new policy document
        • Contact the customer service via email and phone for the same
        • You can also visit the insurer's branch and raise a request in person
        • You can download a soft copy from the mobile app of the insurer
    • Q. How to find my two wheeler insurance policy number?
      • You can find your two wheeler insurance policy number via any of the following methods:

        • By looking in your policy document
        • The policy details are also sent via email
        • Contact your broker/agent/distributor who sold you the policy
        • Login to the official website of the insurance provider
        • Contact the customer service team via email or telephone
    • Q. What is a personal accident cover in a two wheeler insurance policy?
      • When you buy a mandatory third-party two wheeler insurance, you get a personal accident cover of up to Rs.1 lakh for a premium of Rs.50. A pillion rider/passenger accident cover is optional and can be opted by paying an additional premium.

    • Q. How to buy two wheeler insurance for a second hand bike?
      • Buying a second hand two wheeler insurance can be a tricky thing. However, we have written an article so that you can avoid all the possible mistakes. Read - Buying Bike Insurance: Mistakes you Will Never Make Again.

    • Q. Is there any grace period for bike insurance?
      • There is no grace period in bike insurance for some companies while there's a break-in period of 90 days in some insurance companies. Enquire about this while choosing an insurance plan.

    • Q. What is the right time To Renew Bike Insurance?
      • The best time is just before your policy's expiry date which preserves your NCB bonus during renewal

    • Q. What is the premium of different bike insurance plans?
      • The premium depends on the type of the bike insurance plan & the engine cc. For example, bikes having more than 75cc but not more than 150cc have an average premium of Rs. 752.

    • Q. Why should I purchase a bike insurance policy?
      • It pays for your & the third party damages, losses & injuries. (This is true only when you have a comprehensive bike insurance plan because a 3rd party bike plan only covers third party damages, losses & injuries.)

    • Q. What are the different types of bike insurance plans?
      • The most basic of all is a third party bike plan. The other two are standalone own-damage bike insurance plan & comprehensive bike insurance plan

    • Q. What if my bike insurance policy expires?
      • Visit the insurer's nearest branch carrying all your insurance policy documents & submit them for verification.

    • Q. Can a bike owner purchase two bike insurance for the same bike?
      • Yes. However, if you have two bike insurance plans for the same bike it increases your trouble during claim as both the insurance companies will only compensate for the 50% of the total loss, as individual companies. So you will have to run to both the insurer's offices to get the 50-50 distributed claim.

    • Q. Can bike insurance be transferred to a new owner of the bike?
      • Yes. However, it is required that the new bike makes the submission of an application to the respective insurer within 15 days of registration transfer.

    • Q. What are the factors that determine the premium of a bike insurance policy?
      • Discounts available, add-ons purchased, riding experience, anti-theft devices, modifications made, two wheeler's current value & most importantly, the type of insurance plan selected.

    • Q. Can we insure bikes after 15 years?
      • Yes, you can. It is anyway mandatory in India to have at least a third party insurance policy.

    • Q. What is depreciation in bike insurance?
      • It simply means the reducing value of your bike with passing time.

    • Q. Why do bike insurance premiums differ from company to company?
      • Just as every bike's cost is different depending on its features & qualities, insurance company premiums are different as per their plans & services.

    • Q. What are the rules for bike insurance?
      • There are many rules involved which you can get on IRDAI's official website. However, a rule of thumb is you should at least have an active third party bike insurance while you are riding. If you're caught without an insurance plan, you will have to pay a fine or even face imprisonment.

    • Q. Can I claim insurance for bike scratches?
      • Yes, but only if you have a comprehensive bike insurance policy.

    • Q. What is full coverage insurance?
      • It's a combination of liability insurance, collision insurance & comprehensive insurance which typically covers the main parts of the vehicle.

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    Written By: Coverfox - Updated: September, 2022.
    Customer Reviews
    Average Customer Rating:
    Two Wheeler Insurance: Buy/Renew Best Two Wheeler Insurance Online
    4.5 / 5 ( 313 reviews )
    Write a review
    shakti
    nice
    it was nice product
    08 Dec 2021
    Dharmendra Verma
    Nice Product
    I like this product this is one of the best product.
    28 Jun 2020
    ASHWINI PRASHANTBHUJBAL
    Waiting fro Policy Document
    I have not received hard copy of car policy no. 131300/31/2020/1651 renewed on 4th April2019. Hope I will receive hard copy from coverfox for this policy in next few days.
    07 Apr 2020
    Neetu
    Good Tool
    Please don't send too much promotional sms as insurance is not something which anyone buy on daily or monthly basis. A customer hardly buys insurance once or twice a year.
    07 Apr 2020
    ANUJ NARAINNAG
    Great User Experience
    Sometimes system error puts us in trouble like error in make and model of vehicle etc. But Coverfox people help us to rectify the same without any hassel Thank you very much
    30 Mar 2020
    ABHAEY ASHOKKKULTHE
    Coverfox is a preferred renewal platform
    I need to renew all my future insurance policies through COVERFOX. I do not find the option to enter my present policy details so that coverfox can intimate me for renewal.
    30 Mar 2020
    Balakrishna PrasadU
    Chat experience can be improved
    Good but call centre and chat executive we're not very helpful. Need to reduce background noise in c.c, also cc executive didn't give call back. As I am New to this platform.
    30 Mar 2020
    Ajay Gupta
    Best online site for insurance
    I always use coverfox for my bike’s insurance as the process is very smooth. The team never disappoint me, they give best quotes.
    21 Mar 2020
    jay
    Online easy - Two wheeler insurance company
    I was searching online bike insurance as I was not satisfied with my previous insurance. I got coverfox on google, it contain Multiple options for bike's insurance as per our requirement.
    15 Mar 2020
    Rajendra
    Thanks coverfox
    I have booked insurance from coverfox and I really thanks to insurance team for providing such a best policy for me. I will definitely recommend this to my friends.
    12 Mar 2020
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    AWARDS & RECOGNITION

    Smart CEO Startup 50
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    Startup 50
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    2017
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    Award
    FINTECHASIA
    2017
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    FinTech Companies
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    2017
    Coolest Startup
    of the Year
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    2018
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