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Two wheeler insurance protects your bike or scooter against accidents, theft, fire, and damage and covers third-party liability if you injure someone or damage their property. In India, at least third-party two wheeler insurance is mandatory by law. At PolicyLegit, we offer the best plan and price.
What is Two Wheeler Insurance?
Two wheeler insurance is a policy that protects your bike, scooter, or moped against financial loss from accidents, theft, fire, and natural disasters. It also covers the cost of injury or damage you may accidentally cause to another person or their vehicle.Whether you use your two wheeler for daily commute, deliveries, or personal use, an accident, breakdown, or theft can mean a heavy repair or replacement cost, insurance protects you from paying that entire amount out of pocket.
Is Two Wheeler Insurance Mandatory in India?
Yes, Under the Motor Vehicles Act, 1988, every bike and scooter on Indian roads must have at least third-party insurance. Riding without valid insurance is a legal offence and can lead to a fine or your vehicle being seized during a checking.Third-party insurance is the legal minimum, but it does not cover damage to your own bike for that, you need a comprehensive plan.
What Does Two Wheeler Insurance Cover?
Damage to your Two Wheeler from accidents
Theft of your Two Wheeler
Fire, explosion, or self-ignition damage
Natural disasters: flood, earthquake, cyclone, landslide
Damage caused to a third-party vehicle, person, or property
Personal accident cover for the owner-rider.
Types of Car Insurance Plans
1. Third-Party Two Wheeler Insurance
Covers injury or damage caused by your bike to another person, vehicle, or property. It does not cover damage to your own bike. This is the minimum legal requirement to ride on Indian roads.
2. Comprehensive Two Wheeler Insurance (Recommended)
Covers third-party liability plus damage to your own bike from accidents, theft, fire, and natural calamities like floods or storms. You can also add extra protection like zero depreciation cover, roadside assistance, and personal accident cover
3.Own-Damage (OD) Insurance
For two wheelers that already have an active third-party policy, a standalone OD insurance plan can be purchased separately to cover damage to the vehicle itself.
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Why Choose PolicyLegit for Bike Insurance?
- Compare plans from multiple IRDAI-registered insurers in one place
- Simple Process — no long forms, no confusing paperwork
- Get a call back from our team to help you choose the right plan
- Support in Hindi and English — talk to us the way you're comfortable
- Assistance available on call and WhatsApp, not just online
How to Claim Two Wheeler Insurance
- Inform Insurer Immediately: Call or WhatsApp our team as soon as an accident or damage happens. We'll guide you on the next steps.
- Documentation: Share your policy number, photos of the damage, and (if required) an FIR copy for theft or major accidents.
- Survey & Assessment: The insurer's surveyor inspects the damage and estimates the repair cost.
- Repair or Settlement: Get your bike or scooter repaired at a network garage (cashless) or claim reimbursement after repair.
Frequently Asked Questions
Got questions about Bike & Scooter insurance in India? We've got you covered with all the essential details.
Is bike insurance compulsory in India?
Yes, at least third-party two wheeler insurance is legally mandatory for every bike and scooter on Indian roads under the Motor Vehicles Act, 1988.
What is the difference between third-party and comprehensive bike insurance?
Third-party insurance only covers damage you cause to others. Comprehensive insurance covers third-party damage plus damage to your own 2 wheeler from accidents, theft, fire, and natural disasters.
How much does bike insurance cost?
The premium depends on your car's model, age, city, IDV (Insured Declared Value), and the type of cover chosen. Share your bike/scooter number with us for an exact quote.
Can I buy 2 wheeler insurance online through PolicyLegit?
Yes, Just enter your 2 wheeler number and phone number on our website, and our team will help you compare and buy the right plan — fully online, no paperwork visits needed.
What happens if I drive without valid bike insurance?
Driving without valid insurance is a legal offence and can lead to fines. In case of an accident, you would also have to bear the entire repair and compensation cost yourself.
How long does it take to get a bike insurance policy?
Once you share your details with us, our team helps you compare plans and issues your policy the same day in most cases.
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