Two-wheeler insurance is an insurance plan focused on protection and coverage for bikes. It covers the cost of repairs in the case of accidental damages to your bike. Apart from accidents, it also provides financial security from incidents like thefts, natural disasters, vandalism, etc. and third party liabilities.
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Different people have different requirements when it comes to insurance coverage for their two-wheeler. To cater to their different needs, we have three main types of two-wheeler insurances.
This two wheeler insurance plan protects the owner from the costs incurred in accidental damages to a third party as well as to own vehicle. You can even select add-ons by paying a nominal additional premium, to enhance your coverage under such cover. It also provides you with a personal accident cover of ₹15 lakh for accidental death and disability at a small additional premium.
If you already have an active third party policy for your two wheeler.
Our stand-alone own damage two wheeler insurance plan covers the damages to your bike or scooter caused by natural disasters like earthquake, flood, cyclone, landslide, etc. or man-made disasters like theft, burglary, riot, strike, etc.
If you already have an active third party policy for your two wheeler.
This type of insurance policy covers you against legal liabilities arising out of an accident. Under this type of two wheeler insurance policy, if your bike causes injuries to a third party or his= surrounding property, then your insurer will take care of these expenses.
This type of policy is not recommended for any bike owner. Even if your bike is lying idle in parking, you still run the risk of theft, fire, parking accidents and more. Consider this only if you don’t mind paying for bike repairs out-of-pocket.
Owning and riding a bike offers a lot of advantages. For example, buying and maintaining a two-wheeler is much cheaper and easier than a car. Despite these advantages, riding a bike is extremely dangerous when the condition of the roads are bad and there is heavy traffic. Also, factors like bad weather, road spills, rash driving by other drivers can harm you and your vehicle. Not to mention, bike theft has become a raging problem in recent years. Hence, having a reliable bike insurance policy is more of a necessity. Here are few benefits that two-wheeler insurance offers:
Bike insurance offers a host of coverage features that can save you a lot of money and effort. These include coverage for repairing accidental damage to your bike, personal accident cover, and much more. Secondly, having an insurance policy while driving any vehicle is necessary. Being caught riding a bike without an insurance policy can lead to a fine of ₹2000 and/or imprisonment.
We all love a good deal; insurance premium is no exception. A bike insurance quote may look appealing on the face of it, but do take a closer look before you make a decision so that there are no surprises at the time of claim. Here’s a step by step guide to do just that:
Ask for a premium break-up and take a closer look at the components
Look for own damage premium in your break-up. This is what actually covers your bike – damages, repairs and theft. If you are unable to find it, know that the policy won’t cover your accidental damages.
While checking for OD premium pay attention to the following 2 factors:
This cover protects you in case you cause harm to any third party in an accident.
This premium is standard across all insurance companies.
It is mandatory to have a personal accident cover for the owner-driver of any vehicle. This cover is for an individual. So, you only need one such cover even if you own multiple vehicles.
Check if your requested add-ons are present in the break-up. This will ensure that you get the coverage you have asked for and you are aware of the amount you are paying for them.
