Third-Party Liability
Protects you against covered legal liabilities arising from injury, death or property damage caused to a third party while using your two-wheeler.
Two-Wheeler Insurance
Protection For Every Ride.
Confidence For Every Journey
Keep your two-wheeler protected against accidents, theft, damage and third-party liabilities with insurance designed for the way you ride.
Accident & Damage Protection
Third-Party Liability Cover
Protection Against Theft
What Is Two-Wheeler Insurance?
Understanding Two-Wheeler Insurance
Two-Wheeler Insurance protects your bike or scooter against financial losses from accidents, theft, natural or man-made events and third-party liabilities, helping you manage the impact and get back on the road with confidence.
What Does It Cover?
- Own Damage Protection
- Theft Protection
- Natural Calamities
- Man-Made Events
- Third-Party Liability
Example:
If your bike is damaged in an accident, the policy can cover the admissible repair costs under the applicable Own Damage section. Similarly, if the vehicle is stolen, the policy can provide compensation based on the applicable terms and insured value.
Coverage Components
Comprehensive Protection for Every Ride
Own Damage
Covers accidental damage to your bike or scooter, along with specified losses arising from natural and man-made events.
Theft & Total Loss Protection
Provides financial protection in the event of theft or a covered total loss, subject to the policy terms and applicable Insured Declared Value.
Personal Accident
Provides financial support for covered accidental death or specified permanent disabilities of the insured person.
Add-On Protection
Choose from available add-ons to enhance the protection offered by your base two-wheeler policy, depending on your vehicle, insurer and policy requirements.
Advisory Support
Protect Your Two-Wheeler
Every rider and vehicle is different. Our specialists help you understand your risks and choose insurance suited to your vehicle and usage
- 1.
Risk Assessment & Requirement Analysis
We understand your vehicle details, usage pattern and insurance requirements to identify the appropriate coverage.
- 2.
Policy Comparison & Placement
We help evaluate insurance options, coverage, deductibles, IDV and add-ons to identify a suitable policy.
- 3.
Policy Issuance & Documentation
Our team supports you through documentation and policy issuance, helping ensure that the required details are accurately captured.
- 4.
Claims Assistance
In an accident, theft or covered loss, our team assists with claims and coordinates with the insurer.
- 5.
Renewal & Policy Review
We review your coverage at renewal to help ensure your two-wheeler keeps appropriate protection as your needs change.
Ready To Ride With Confidence?
Protect your bike or scooter with the right insurance cover and get support from experienced insurance specialists.
Frequently Asked Questions
Answers to Common Insurance Queries
IDV represents the insurer's maximum liability for total loss or theft, subject to policy terms, making accurate valuation important when selecting comprehensive protection.
Their relevance depends on vehicle age, usage, location and the owner's exposure to repair costs, breakdowns and accident-related expenses.
Equirus Raghnall compares IDV, coverage scope, deductibles, add-ons, insurer terms and claim servicing requirements rather than relying solely on premium.
The renewal is reviewed against the expiring policy, current vehicle value, claims experience and required coverage so that unnecessary or inadequate features can be identified before placement.
