Two Wheeler Insurance

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Two Wheeler Insurance

Two Wheeler Insurance refers to the insurance policy that is used to coverup bike/scooter damages caused to the vehicle or its rider due to some unforeseen events such as road accidents, natural disasters, theft or loss of the vehicle. it protects against third-party liabilities arising from injuries to one or more individuals due to the damages caused to the 2 wheeler vehicle.

Importance of Two Wheeler Insurance in India


Riding your bike without a valid two-wheeler insurance plan is considered illegal. Two-wheeler insurance policies are designed to offer financial coverage against unfortunate events and accidents that could damage the insured two-wheeler, or bodily injuries to the rider, the pillion, or pedestrians, or damages to the property of a third party. With a proper bike insurance policy in place:

 You will be free of financial stress: In case your vehicle is damaged or stolen, you won’t have to worry about the costs incurred in fixing it or replacing it as the insurance company will take care of it or you.

 You will have legal protection: Considering the fact that it is compulsory to have an insurance policy in place when riding on Indian roads, carrying a copy of your insurance policy will ensure that you will be legally protected against paying fines or penalties to the police.

 You will receive a personal accident cover: If you are insured, the insurance company will cover you for up to Rs.1 lakh in case you suffer total permanent disability. In case of your untimely demise, your family will receive the sum assured from the insurance company.

 You will be able to enjoy benefits like No Claim Bonus.

Top two-wheeler insurance companies in India

National Two-Wheeler Insurance

National Insurance offers comprehensive insurance policies that can cover damage to own vehicles as well as a third-party cover too. The company also offers insurance cover for tenures longer than 5 years if the cover does not exceed the fitness certification of the vehicle in question.

Some of its key features are:

 You can take a liability coverage that will only cover liability to third parties
 Third-party liability for property damage can be covered up to Rs. 7.5 lakh
 Or you can take a package cover that will cover liabilities and damage to own vehicle too
 The policy will cover the death or injuries caused to third-parties

 Comprehensive policies will also cover loss or damage caused by theft, transportation or natural disasters.

Shriram Two-Wheeler Insurance

Shriram General Insurance’s two-wheeler insurance will cover your vehicle for accidental damage or loss due to theft. They provide comprehensive cover for damages caused by accidents, riots, terrorist acts, and even natural calamities.

Some of its key features are:

 Unlimited cover for liabilities towards death or injuries caused by your vehicle
 Up to Rs. 1 lakh cover for damage caused to a third party’s property
 Personal accident covers for you and your passenger from Rs. 10,000 to Rs. 2 lakhs
 24/7 claim notification services with surveys and assistance being done within a day

 Claim status tracking