Bike Insurance

Nothing can beat the pleasure of riding your prized possession. So, to continue enjoying these rides protect it with Bike Insurance.


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Bike Insurance offers a financial shield offering coverage against any damages or theft to or by your insured Bike.

Every Motor Insurance product is governed by the Insurance Regulatory Development Authority of India (IRDAI). In order to legally ply your two-wheelers on the Indian roads, the Motor Vehicles Act, 1988 mandates all the two-wheelers owners to buy bike insurance or two-wheeler insurance. This insurance plan offers you a financial shield against damages incurred to or by your bike or in case of theft. In absence of bike insurance, you will have to face the entire financial load if there is any loss or any damage taken place due to an accident occurred to or by your bike.

Types of Bike Insurance

Cashless Claims

Comprehensive Bike Insurance

Comprehensive Bike Insurance offers a complete and thorough comprehensive coverage to your beloved prized possession. This type of bike insurance covers bike own damages, third-party loss or any damages occurred due to your insured bike. Getting coverage in case of theft of your bike is the most important feature of the Comprehensive Bike Insurance. If comprehensive bike insurance is in place, you do not have to bother about fire, lightning, cyclone, earthquake, theft, riot, burglary, hurricane, terrorist activity, frost, etc.

Cashless Claims

Third Party Bike Insurance

The third-party bike insurance is compulsory if you wish to ride one on the Indian roads as per the Motor Vehicles Act, 1988. This type of bike insurance offers coverage in case of any losses or damages occurred by your insured two-wheeler to any third-party (individual/s) or third-party property or both. Besides, it offers unlimited liability cover for bodily injury to a third-party or death of the third-party. The property damage that it offers is up to Rs.7.5 lakh.

Important information

  • Duly filled and signed claim form

  • FIR for accidental damage

  • Copy of first two pages of your bike insurance policy document

  • Copy of valid vehicle Registration Certificate (R.C.)

  • Copy of valid Driving License (D.L)

  • Original repair bill, cash receipt, as well as proof of release.

Some of the frequently asked questions about Bike Insurance.

Off course, you can get these accessories insured during the policy period. All you need to do is send a request letter to your insurance company and the rest would be taken care.


  • Immediately intimate your bike insurance company in case your bike gets stolen
  • Lodge a FIR at the nearest cop station
  • Lodge the claim with the insurance company by filing the claim form
  • Handover the original bike keys along with your driving licence copy, bike insurance copy and the RC book of your bike
  • Submit the FIR copy along with the ‘No Trace Report’ to the insurance company

Buying comprehensive bike insurance is not mandatory but it is advisable to opt one for the scope of cover that it offers. It protects your bike financially from theft, loss as well as damage caused to the third-party person or property.

IRDAI decides the third-party liability premium for your bike. This change every year. However, the premium of your comprehensive bike insurance is decided by the insurance company from whom you wish to opt your bike insurance from.


You very well know that you’ve paid for it but are hoping to never require using it! When you file an insurance claim, you probably have suffered some type of loss or damage that is insured by your Insurer. This is when your Insurer offers you coverage and compensation for the losses covered or for the damages after validating your claim. So it is vital to be familiar with the claim process to avoid any headache at the later stage.

Your Policy

You may have bought an insurance policy, yet have thousands of queries and doubts. Our ‘Your Policy’ section is the fastest way to resolve your insurance related doubts and queries. All you need to do is attach your active insurance policy and write to us about your queries. We never let our customers down.

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Calculate your Needs?

Many questions may come in your mind before buying an insurance policy. ‘How much insurance I would need, how many years I shall invest for, what would be the premium, etc.. Insurance Calculators are life-savers. They help you know your insurance needs and assess the potential costs. Grey Font brings to you various Insurance Calculators and interactive tools to help you calculate your insurance needs. In order to get better results, ensure to enter a value in all the possible fields.


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