Bike Insurance Online Save Up to 80% on Premiums
A comprehensive bike insurance policy from top insurers with instant quotes, cashless claims, and 24/7 roadside assistance is what you're looking for.
Top Bike Insurance Companies
You can compare the claims settlement ratios of India's leading insurance companies
Starting from
₹538
Claims Settled
90.4%
4.5 Rating
Starting from
₹538
Claims Settled
87.71%
4.4 Rating
Starting from
₹457
Claims Settled
88.83%
4.3 Rating
Starting from
₹719
Claims Settled
98.60%
4.2 Rating
Starting from
₹457
Claims Settled
91.00%
4.4 Rating
Starting from
₹538
Claims Settled
95.00%
4.4 RatingWhat is Bike Insurance?
You know the value of owning a bike: the thrill of adventure, the fun rides with the family, and the convenience of travelling around town. It is essential for Indian households to buy insurance for a new bike or renew coverage for an existing one. A bike insurance policy (or 2-wheeler policy) protects your bike from damage and ensures that it continues to provide you with memories even after a setback. Under the Motor Vehicles Act of 1988, every bike owner is required to have third-party two-wheeler insurance.
Legal compliance with Motor Vehicles ActCoverage for theft and natural calamitiesFinancial protection against damagesPersonal accident coverageBike Insurance Quick Facts
Why Do You Need Bike Insurance?
Make sure you and your bike are protected with comprehensive coverage
Legal Requirement
If you fail to maintain third-party bike insurance in India, you may be fined or have your license suspended.
Financial Security
A two-wheeler insurance policy protects you from the financial burden of repairing damages to your vehicle or another party's.
Protection Against Theft
You can minimise your out-of-pocket expenses if your bike is stolen with comprehensive coverage.
Personal Accident Cover
Motorcycle insurance policies include personal accident coverage, which covers medical expenses.
Peace of Mind
You can ride with confidence knowing that you are covered in case of unforeseen circumstances.
Third-Party Liability
If you cause damage or injury to another person with your bike, third-party liability coverage pays for their expenses.
Types of Two Wheeler Insurance
Protect your two-wheeler with comprehensive coverage options
Comprehensive Bike Insurance
₹1,500 - ₹8,000/year
Protection against own damage, third-party liability, theft, and natural disasters
Features :
Own Damage CoverThird Party LiabilityTheft ProtectionNatural Calamity CoverThird Party Bike Insurance
₹500 - ₹2,500/year
Insurance coverage for third parties' deaths, injuries, and property damage
Features :
Third Party DeathThird Party InjuryProperty DamageLegal ComplianceOwn Damage Insurance
₹500 - ₹2,500/year
Accidental, theft, fire, and natural disaster damage to your bike is covered
Features :
Accident CoverageTheft ProtectionFire DamageNatural DisastersCoverage Comparison
Different types of bike insurance cover different things
Two Wheeler Insurance Add-ons
Add additional coverage to your bike insurance for complete protection
Zero Depreciation
₹500 - ₹2,000No depreciation on claim settlement
Engine Protection
₹300 - ₹1,500Coverage for engine damage due to water ingression
Roadside Assistance
₹200 - ₹80024/7 emergency roadside support
Return to Invoice
₹400 - ₹1,200Get invoice value in case of total loss
NCB Protection
₹300 - ₹1,000Protect your No Claim Bonus
Personal Accident
₹100 - ₹500Coverage for rider and pillion
Insurance for All Bike Types
Different types of two-wheelers can be insured with customised policies
Commuter Bikes
₹714 - ₹1,500
Hero Splendor, Bajaj Platina, TVS Star City
Sports Bikes
₹1,200 - ₹3,500
Yamaha R15, KTM Duke, Bajaj Pulsar
Scooters
₹600 - ₹1,800
Honda Activa, TVS Jupiter, Suzuki Access
Electric Bikes
₹800 - ₹2,500
Ather 450X, TVS iQube, Bajaj Chetak
Why Choose PaisaOne for Bike Insurance?
With comprehensive coverage and exceptional service, you can enjoy hassle-free bike insurance
Complete Protection
Protection against accidents, theft, and natural disasters for your bike
Instant Policy in 60 Seconds
With instant coverage, you can get your bike insurance policy online instantly
Premium Calculator
Calculate your bike insurance 1-year price or multi-year options instantly
24/7 Claim Support
A dedicated customer support team is available round-the-clock to assist you with your claim
Cashless Garages
Get hassle—free repairs at 8000+ cashless garages across India
No Claim Bonus
Up to 50% off your renewal premium can be earned for claim-free years
How to Buy Bike Insurance Online
In just 3 easy steps, you can get bike insurance
Enter Bike Details
Enter Bike Details
Identify your two-wheeler's make, model, fuel type, etc., to find the best bike insurance quote
Compare & Choose
Compare & Choose
Choose the plan that best suits your requirements and budget from all available options
Pay & Get Policy
Pay & Get Policy
Your motorbike insurance document will be emailed to you instantly after you pay the premium online
What's Covered & Not Covered
What's Covered
Damage due to accidents- Fire and explosion damage
- Natural calamities (floods, earthquakes)
- Theft of vehicle
- Third-party liability
- Personal accident cover
- Vandalism and riots
- Transit damage
- Normal wear and tear
- Mechanical breakdown
- Driving under influence
- Driving without valid license
- Consequential losses
- War and nuclear risks
- Intentional damage
- Racing and competitions
Eligibility & Documents Required
The eligibility criteria and required documents for bike insurance can be found here
Eligibility Criteria
Bike should be registered under your name- Must be above 18 years of age
- Valid driving license required
- Bike must be registered under RTO
- Government authorized ID proof
- Proof of address required
Required Documents
Vehicle Registration Certificate (RC)- Valid Driving License
- Identity Proof (Aadhaar/PAN/Passport)
- Address Proof
- Previous Insurance Policy (for renewal)
- Invoice of the Bike (for new bikes)
Frequently Asked Questions
Get answers to common questions about bike insurance
Ready to Protect Your Bike?
Get instant quotes from 25+ top insurers and choose the best bike insurance plan for your needs