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11.5 Lakh+
Happy Smiles
930+
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Riding without valid third-party insurance is illegal and can lead to significant fines. Always carry your insurance policy to prevent legal troubles.
Third-party insurance offers financial protection if your bike causes damage to someone else’s property or injures another person. It’s mandatory for riding legally on the road.
If your bike is stolen or severely damaged, insurance helps cover replacement or repair costs, easing your financial burden during an already stressful time.
Your bike insurance covers damages from natural disasters like floods and storms, as well as man-made events such as vandalism or terrorism, ensuring your vehicle is protected in various situations.
If you experience an accident while riding your bike, your two-wheeler insurance can provide coverage for any injuries you sustain, whether major or minor. While dealing with an injury can be stressful, the financial protection from personal accident cover helps ease the burden and addresses any unexpected medical expenses you may face.
Our bike insurance policy is designed to protect you in various ways. It covers third-party liability, meaning you’re protected if you accidentally injure someone or damage their property. It also provides coverage for theft and damage, so if your bike is stolen or harmed by natural disasters or accidents, you’re covered. Additionally, you’ll have personal accident coverage in case you get hurt while riding. However, please note that the policy won’t cover any damages if you ride under the influence of alcohol or if you’re outside the specified areas
Our Standalone Own Damage Bike Insurance Policy is here to help if your bike gets damaged in an accident. While it doesn’t cover third-party liabilities, it does provide financial protection against damage from natural disasters, accidents, and fire. Plus, if your bike is stolen, you’ll receive reimbursement for the loss.
Third-party Two-Wheeler Insurance is required by law if you want to ride your bike on the road. Our standalone third-party insurance will protect you if your bike causes damage to someone else's vehicle or injures another person in an accident. However, this policy does not cover any damage to your own bike or theft of your bike.
Point of Difference | Third-Party Insurance | Own-Damage Insurance | Comprehensive Insurance |
---|---|---|---|
Definition | Covers damages caused to third parties in an accident caused by the insured vehicle. | Covers damages to the insured vehicle only due to accidents, theft, fire, or natural disasters. | Combines third-party liability and own-damage coverage for the insured vehicle. |
Coverage | Third-party property damage Third-party injury or death | Damage to own vehicle from accidents, theft, fire, or natural disasters | Third-party property damage Third-party injury or death Damage to own vehicle Theft, fire, vandalism, natural disasters |
Legal Requirement | Yes, mandatory by law in many countries (e.g., India). | Not mandatory, but recommended if you want protection for your own vehicle. | Not mandatory, but highly recommended for full coverage. |
Cost | The most affordable option. | Moderate cost, as it covers only the insured vehicle. | The most expensive option, due to extensive coverage. |
Exclusions | Damage to the insured vehicle Injuries to the driver or passengers | Third-party damages Personal injuries or death of driver/passengers | Damage caused by driving under the influence of alcohol or drugs Damage due to driver negligence (e.g., driving without a license) |
Add-ons | Generally, no add-ons available. | Some policies may offer add-ons like roadside assistance, engine protection, etc. | Wide range of add-ons available, including roadside assistance, zero depreciation, engine protection, etc. |
Enhance your coverage with this add-on for additional third-party liability reimbursement. While comprehensive and third-party two-wheeler insurance cover basic liabilities, this add-on provides extra protection for damage to property in your custody, as long as it results from an accident involving your insured vehicle, up to the specified limit.
With this add-on, we will reimburse you for the costs of replacing or repairing certain bike consumables damaged in an accident. This includes items like screws, nuts, washers, bearings, engine oil, gearbox oil, brake fluid, lubricants, and distilled water, but excludes fuel. The coverage applies to consumables that are damaged due to risks outlined in Section 1 of your policy.
You’ll be reimbursed for the depreciation deducted on replaced parts.
With this add-on we will cover emergency medical expenses for injuries sustained by you or any other rider while the vehicle is in use.
If you're the first registered owner and have this add-on, we will cover the costs for total loss, theft, or constructive total loss of your vehicle. We’ll also handle the road tax and RTO registration fees for the insured vehicle.
A pillion passenger will receive compensation for injuries or death while using the vehicle.
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