Third-Party Policy Exclusions
A liability-only bike insurance policy will not provide coverage for damages to your own two-wheeler.

Intoxication and Licence Violations
If you were under the influence of alcohol or driving without a valid two-wheeler licence, your bike insurance policy will not cover any losses or damages resulting from an accident.

Learner's Permit Restrictions
Your claim will be denied if you were driving with a learner's permit without a licensed passenger or were under the influence of drugs or alcohol.

Consequential Damages
Any damages that occur indirectly (such as engine damage caused by improper use of a damaged two-wheeler after an accident) are not covered under bike insurance policies.

Contributory Negligence
Bike insurance policies do not cover any losses or damages caused by your negligence, such as driving a two-wheeler through floodwaters against the manufacturer's recommendations.

Add-On Exclusions
Coverage for specific situations, such as tyre damage or consumable parts, will not be provided if you haven't purchased the corresponding add-ons.

Third Party Coverage
Third-party bike insurance is a common type of coverage that protects against losses and damages incurred by third-party individuals, vehicles, or properties.

Comprehensive Protection
Comprehensive bike insurance is one of the most comprehensive types of coverage available, providing protection for both third-party liabilities and damage to your own two-wheeler.

PProtect your Finances
By purchasing a two-wheeler insurance policy, you can safeguard your finances from losses and damages resulting from accidents, natural disasters, fire, or theft.

Legal Compliance
As per the Motor Vehicle Act, it is mandatory to have at least Third-Party Bike Insurance to ride a motorbike on Indian roads. Buying a bike insurance policy ensures that you are legally protected.

Avoid Traffic Fines
Riding without basic Third-Party Bike Insurance can lead to severe traffic penalties. Purchasing a bike insurance policy is more cost-effective than getting a ticket for not having insurance.

Customizable Coverage
Comprehensive bike insurance policies offer the flexibility to add useful features like return to invoice cover, zero depreciation cover, breakdown assistance, consumables cover, and tyre protection, among others, providing complete protection to your bike against all possible risks.

Simplify Third-Party Claims
Arguments and disputes that arise among third parties involved in an accident can be a major hassle. Having a bike insurance policy can simplify the process, making it easier to handle claims and reducing the chances of conflicts.

Personalize your IDV
Your bike's IDV, which is its market value and depreciation cost, affects the cost of your insurance and the compensation amount you'll receive for claims. Make sure your IDV is accurate and personalized to your needs.

Compare Insurance Quotes
Consider crucial factors like IDV, available add-ons, service benefits, reliability, claim settlement ratios, and procedures when comparing quotes.

Check Service Benefits
A good bike insurance policy is more than just coverage and claims; it also involves the types of services your provider offers.

Know Your Coverage
A good bike insurance policy should cover your different needs. Your premium should reflect the coverage you receive, so make sure you review the coverage before deciding if the cost is worth it.

Understanding Insured Declared Value (IDV) in Two Wheeler Insurance
Insured Declared Value (IDV) is the maximum payout amount that an insurance company will provide in the event of your bike being stolen or severely damaged. The IDV of your vehicle, which is based on its market value and depreciation, affects your two-wheeler insurance premium. As your IDV increases, so will your insurance premium, and as your vehicle ages, its IDV will decrease, resulting in lower premiums. It is important to note that other factors such as usage and prior insurance claim history can also impact pricing. When choosing the right two-wheeler insurance policy for your motorbike, consider the IDV being offered in addition to the premium. While a company's low premium may be tempting, it may be due to the low IDV being offered. A higher IDV can result in higher compensations if your bike is completely lost, and it also reflects your bike's market value at the time of resale.

Understanding No Claim Bonus (NCB) in Two Wheeler Insurance
No Claim Bonus (NCB) is a discount offered to policyholders for a claim-free policy term. By avoiding filing claims for bike accidents under your insurance policy, you can accrue NCB ranging from 20 to 50% discount at the end of your policy period. NCB is given only when you renew your comprehensive bike insurance policy, not when you purchase your first policy. Regardless of the bike, the NCB is meant for the owner of a bike insurance policy, and it can be transferred when switching bikes or policies. Even when you purchase a new bike, you can still use the NCB you earned on the old bike or policy.

Understanding Zero Depreciation Two Wheeler Insurance
Certain parts of your bike, such as the bumper or other metal or fiber-glass components, may decrease in value over time. In case of damage, only a portion of the replacement cost is covered because depreciation is deducted from the claim settlement. With Zero Depreciation Two Wheeler Insurance add-on, if your vehicle is repaired at Authorized Workshop, you can receive the full value of the cost of repair or replacement without depreciation being taken into account.

Understanding Cashless Claims in Two Wheeler Insurance
If you opt for a authorised repair center, the approved claim amount will be paid directly to the repair center, making the claim cashless. However, the insured will still be responsible for paying any deductibles, such as Compulsory Excess/Deductible, repair costs not covered by the insurance, or depreciation costs.