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Your need for speed maybe big or small; but your bike protection policy must always be extensive. Two-wheeler insurance, also referred as bike insurance or motorcycle insurance, helps protect against loss due to accident, theft or natural calamity. Now speed away responsibly and stress free.
Disclaimer: Tata Capital Limited (“TCL”) bearing License no. CA0896 valid till 21-Jan-2027, acts as a Composite Corporate Agent for TATA AIA Life Insurance Company Limited, HDFC Life Insurance Company Limited, BAJAJ Allianz Life Insurance Company Limited, Kotak Mahindra Life Insurance Company limited, TATA AIG General Insurance Company Limited, IFFCO Tokio General Insurance Company Limited & Star Health and Allied Insurance Co Ltd. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms & conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.
The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013
Bike insurance or two-wheeler insurance is an insurance policy that covers you against damages to your two-wheeler due to accidents, natural/man-made disasters, fire, and theft. The policy also provides coverage against bike-related third-party liabilities such as damage to another person’s vehicle/property or injuries/death of a third party. You can buy insurance for 2 wheelers to cover motorcycles, scooters, mopeds, etc.
When you buy bike insurance online through our smartphone app or website, you can choose from different bike insurance plans based on your requirements and insure your bike within minutes. Also, you get instant two-wheeler insurance quotes to know the premium and plan your purchase. In the case of a Comprehensive Policy, you can choose a suitable Insured Declared Value (sum insured) from the given range.
Third-party two-wheeler insurance rates are revised in accordance with the Insurance Regulatory and Development Authority of India (IRDAI) circular dated 01 June 2022.
Note* The features above may or may not reflect in the plans sourced by our corporate agents. Please check our plans and their features to know more.
In India, two-wheeler insurance policy types are Third-party liability insurance and comprehensive insurance.
In India, two-wheeler insurance policy types are Third-party liability insurance and comprehensive insurance.
The following are covered in Two Wheeler Insurance
Covers for your losses in case your two-wheeler is unfortunately stolen!
Damages and losses to your two-wheeler in case of an accidental fire!
Covers for your expenses in cases where you’ve hurt yourself too bad!
When a person, a vehicle or a property is hurt or damaged due to your bike's actions.
It is equally important to know what’s not covered in your two-wheeler insurance policy, so that there are no surprises when you make a claim. Here are some such situations:
Your bike insurance won’t cover for you in situations where you were riding drunk or without a valid two-wheeler licence.
If you hold a learner’s licence and were riding your two-wheeler without a valid licence-holder on the pillion seat- then your claim in those situations won’t be covered.
Any contributory negligence (e.g. damage due to driving a two-wheeler in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)
Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.
Two-wheeler insurance add-ons are also usually available which you can buy with your Two-Wheeler insurance policy. Few of them includes
If you fall into a situation where your bike is stolen or damages beyond repair, this add-on comes in handy. With return to invoice add-on, we will cover the costs of getting you the same, or similar bike- including the road tax and registration fees for the same.
Do you know that the cost of replacing your engine is approximately 40% of its cost? In a standard two-wheeler insurance policy, only damages caused during the accident are covered. However, with this add-on, you can specifically also cover for the life of your vehicle (the engine and gearbox!) for any consequential damages caused post the accident. This could happen due to water regression, leakage of lubricating oil, and undercarriage damages.
Consumable cover adds an additional shield to your two-wheeler. Covers costs for all your bike’s nitty-gritties too, such as the engine oils, screws, nuts and bolts, grease, etc. in a situation of an accident.
The roadside assistance add-on ensures we’ll always be there for you and your two-wheeler in case of any breakdowns. The best part? Asking for our help doesn’t even count as a claim.
This add-on cover is offered only to vehicles fitted with run flat technology. As part of it, the cost of replacing damaged tyres with equivalent or near equivalent to the one being used in the vehicle, labour and wheel balancing charges can be reimbursed. However, claims made under the add-on cover is subject to conditions set forth under the vehicle insurance policy.
This add-on cover, you will be compensated for your transportation cost during the period when two-wheeler is under repair subject to applicable time excess. However, it is applicable only if a claim for accidental damage is admitted under ‘Own Damage’ section of the insurance policy. A policyholder can be compensated in the form of fixed allowance per day or coupons from taxi operators from an amount equal to per day fixed allowance.
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