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Two Wheeler


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How to buy Two Wheeler Insurance?

  • Provide basic details of your Bike
  • Compare prices offered by various Insurance Companies and select the plan that fits your requirement
  • Make an online payment and get your policy delivered to your inbox immediately
Under India Motor Vehicles Act 1988, it is mandatory to have minimum ACT ONLY (which is also popularly known as Third party insurance) Insurance policy, to drive any vehicle on the PUBLIC ROAD. Every type of vehicle which is used for personal, commercial or business purpose should be compulsorily insured.
Bike Insurance is fundamentally a contract between a vehicles Owner of the vehicle (INSURED) and the Insurance Company in which INSURED pays a fixed amount i.e. premium for a policy issued by the Insurance Company that will give INSURED financial protection against THIRD PARTY liability in case INSURED is sued for an accidental damage to Third Party vehicle or Property.
There is COMPREHENSIVE Policy also available which cover OWN DAMAGE to vehicle due to accidental losses or damages to the Insured vehicle including loss or damages by theft of the vehicle, over and above what is covered under ACT ONLY.

Insurance is primarily taken to protect you from unexpected and unlikely events to save you against financial expenses, emotional torture, stress and inconvenience.


Damages and losses that may arise due to accidents and collisions


Covers for your losses in case your two-wheeler is unfortunately stolen!


Damages and losses caused to your two-wheeler in case of an accidental fire!

Natural Disasters

Damages and losses to your Two wheeler in case of natural calamities such as due to floods, cyclones, earthquake etc.

Personal Accident

If there is a Two-wheeler accident and unfortunately, it leads to death or disability of the owner.

Third Party Losses

When a person, a vehicle or a property is injured or damaged due to your bike's actions.
Add-on covers are also known as rider options. Add-on covers are the additional covers or protection that you include in your bike insurance plan to keep your two wheeler safe from any damages or total loss.They can be easily added to your base plan at the cost of an additional premium amount. Here is a list of popular add-ons for your two wheeler plan:
Zero Depreciation
Think of it like an effective anti-ageing cream for your bike and its parts. Usually, the required depreciation amount is always taken in account during claims. However, a zero-depreciation cover ensures no depreciation is taken into consideration, so you get the full value of the cost of repair/replacement during claims.
Return to Invoice Cover
If you fall into a situation where your bike is stolen or damages beyond repair, this add-on comes in handy. With return to invoice add-on, Insurance Company will cover the costs of getting you the same, or similar bike- including the road tax and registration fees for the same
Engine & Gear-box Protection Cover
Do you know that the cost of replacing your engine is approximately 40% of its cost? In a standard two-wheeler insurance policy, only damages caused during the accident are covered. However, with this add-on, you can specifically also cover for the life of your vehicle (the engine and gearbox!) for any consequential damages caused post the accident. This could happen due to water regression, leakage of lubricating oil, and undercarriage damages.
Consumable Cover
Consumable cover adds an additional shield to your two-wheeler. Covers costs for all your bike’s nitty-gritties too, such as the engine oils, screws, nuts and bolts, grease, etc. in a situation of an accident.
Breakdown Assistance
The roadside assistance add-on ensures Insurance Company will always be there for you and your two-wheeler in case of any breakdowns.
Own Damages for Third-Party Policy holder
In the case of a Third-Party or Liability Only bike Policy, damages to own vehicle won’t be covered.
Drunk Driving or without a Licence
You were driving riding drunk or without a valid two-wheeler licence.
Driving without a valid Driving Licence holder
Loss or damage to vehicle when driven by a person without a valid license
Consequential Damages
Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged two wheeler is driven incorrectly and the engine gets damaged, it will not be covered)
Contributory Negligence
Any contributory negligence (e.g. damage due to driving a two-wheeler in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)
Add-ons not Bought
Some situations are covered by add-ons covers by paying extra premium. If you haven’t bought those add-ons, the corresponding situations will not be covered.
Key Features Benefit
Premium Minimum premium with maximum coverage
No Claim Bonus Up to 50% Discount
Customizable Add-Ons Add-ons covers available for extra protection
Cashless Repairs Available as per Insurance company tie-ups
Claim Process Very Prompt and efficient
Damages to Third-Party Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages
Take Insurance policy at your convenience with just a few clicks without any paper-work. Our web site is simple, reliable user friendly and secured.

XpressBima Offers

  • Easy comparison of premium of various Insurance Companies
  • Minimum premium with Maximum coverage
  • Experienced and professional Team for Effective Claims management
  • Free of cost Portfolio Management Service which keeps records of all your insurance policies and send timely reminder for renewal.
Third-Party liability (Act Only)
This plan protects against the claims made by the third party like the driver of the other vehicle, passengers or owner of the other vehicle, pedestrians, etc. This plan is specifically designed to provide the policyholder cover against the claims made for any bodily damage or injuries to the third party and the damage caused to the vehicle. This is a mandatory policy for all vehicles in India.
Comprehensive Two Wheeler Cover
This insurance policy comes with higher protection for the vehicle insured. The advantage of buying this insurance policy is that it protects the policyholder and covers own vehicle damage due to accident, fire, theft, vandalism, etc. This policy also includes what is covered under Act Only Policy- third party liability. Added benefits and features are also provided by “Add-on” covers under this plan which makes it one of the best plans for two wheeler insurance.
Key Features ACT ONLY POLICY (Third-Party) Comprehensive
Damages/Losses to own two-wheeler due to an accident
Damages/Losses to own two-wheeler in case of fire
Damages/Losses to own two-wheeler in case of a natural calamity
Theft of your two-wheeler
Doorstep Pick-Up & Drop
Customize your IDV
Extra protection with customized add-ons
Damages to Third-Party Vehicle
Damages to Third-Party Property
Personal Accident Cover
Injuries/Death of a Third-Party Person
  • 1
    No More dependency on middlemen/agent
    Insurance Agents would only show some of the plans and information. But when you buy Policy on-line then you can look for plans yourself and customise them according to your requirements. You can easily compare policies and premium offered by various insurance companies depending upon your research without receiving biased information from your agent. Not to forget, on-line policies are normally cheaper.
  • 2
    Accidental Injuries
    An online two wheeler insurance policy takes care of you and your bike when you’re on the road. It covers all expenses caused by accidents. The insurance policy will cover any damage to your two wheeler or any injury sustained by you.
  • 3
    Financial Protection
    You can ride your two wheeler without any worry. When you buy bike insurance online, you choose full financial coverage. In cases of accidents, thefts, natural calamities, etc., your losses will be reimbursed by the insurance company. Even small repairs for damages can cost more than you can afford. An online bike policy gives you the financial assistance you need in such situations.
  • 4
    All Types of Two Wheelers
    Insurance policies don’t differentiate among two-wheelers. If you have a motorcycle, a moped or a scooter, an insurance policy will cover all of them. Even if you have personalised the vehicle for better mileage, style or power, an insurance policy will still offer full coverage. However, it is always advised to read the terms and conditions carefully.
  • 5
    Cost of Spare Parts
    A two wheeler is nothing without its spare parts. And these spare parts can be costly to buy if damaged in an event. Most comprehensive insurance policies cover the cost of replacing the spare parts of a two-wheeler.
  • 6
    Roadside Assistance
    Being stuck alone on the road if your bike breaks down or meets with an accident is a difficult situation to be in. Most insurance policies also offer roadside assistance as a benefit. If you find yourself in such a case, you can simply call their helpline number, and they will come to your aid.
What is Insured Declared Value (IDV) in Two Wheeler Insurance?
IDV is the maximum amount your insurance provider can give you, in case your bike is stolen or totally damaged.
The Two Wheeler Insured Declared Value and your two wheeler insurance premium go hand in hand. This means, the higher your IDV is, the higher your bike insurance premium – and as your vehicle ages and IDV depreciates, your premium also decreases.
Also, when you decide to sell your bike, a higher IDV means you’ll get a higher price for it. Price may also be affected by other factors like usage, past bike insurance claims experience etc.
So, when you’re choosing the right two wheeler insurance policy for your bike, remember to make note of the IDV being offered, and not just the premium.
A company offering a low premium may be tempting, but this could be because the IDV on offer is low. In case of total loss of your bike, a higher IDV leads to higher compensations.
At the time of resale, your IDV is indicative of the market value for your bike. However, if you have maintained your bike really well then you can always aim at a price more than what your IDV might offer you.
What is No Claim Bonus (NCB) in Two Wheeler Insurance?
NCB (No Claim Bonus) definition: NCB is a discount on premium given to the policyholder for having a claim-free policy period.
A no claims bonus ranges from a discount of 20-50% and is something you earn at the end of your policy period by maintaining a record of making no bike accident claims under your bike insurance policy.
This means that you can’t get a no claims bonus when you buy your first comprehensive bike insurance policy – you can only get it on your policy renewal.
A No Claim Bonus is meant for the bike insurance policyholder regardless of the bike. This means, even if you switch your bike, your NCB stays with you.
If you decide to buy a new bike, you will be issued a new bike insurance policy, but you can still avail of the NCB you accumulated on the old bike or policy.
What is Zero Depreciation Two Wheeler Insurance?
Like everything in life, there is a decrease in value of certain parts of your bike, including the bumper or any other metal or fibre glass parts.
So, when there is an accidental damages, the full cost of replacement is not given as depreciation is deducted from the claim money.
But this add-on makes sure there is Zero Depreciation and you get the full value of the cost of repair/replacement provided the vehicle is repaired at Authorized Workshop.
What is Cashless Claims in Two Wheeler Insurance?
If you opt to get your bike repaired with network garages of Insurance Company, then they will make the payment for the approved claim amount, directly to the Repair Centre. This is a Cashless Claim.
Please note, if there are any deductibles, like a Compulsory Excess/ Deductible, any repair charges for which your insurance doesn’t cover you or any depreciation costs, then that is to be paid by the insured’s own pocket.
It is an agreement between the Two Wheeler owner (insured) and the Insurance Company where in by paying the premium by the Insured the insurance company agrees to give financial coverage for the perils insured.
Yes. As per the Motor Vehicle Act it is compulsory to have minimum Act Only policy (Third Party Liability Policy) for those vehicles plying on the public road which covers the damages done by the insured vehicle to any third party property damages or injuries to the third party
Own damage section of the Insurance covers the man-made causalities or nature’s causalities and can claim from insurance Company for the damages sustained to your vehicle due to the accident hence by opting for comprehensive cover you can have peace of mind that if there is any accident then the Insurance company shall pay for the financial loss suffered by you due to an accident.
When the Insured do not claim on the Insurance company during the last policy period, at the time of renewal the Insurance company offers NCD which is nothing but a reduction of the premium for the claim free year
No documents is required to be submitted but it is always advisable to have the details of the previous policy and Registration Book handy so that appropriate information could be submitted while submitting the data for on line policy.
a. Loss or damage if policy is not in force
b. Accidental damages caused when the TWO WHEELER was used for illegal activities
c. Gradual wear and tear of Vehicle and its parts and damages due to war and nuclear risks
d. Loss or damage to TWO WHEELER when driven by a person without a valid license
e. Loss or damage to TWO WHEELER as a result when driver was under the influence of intoxication due to drugs, alcohol etc.
f. Loss or damage to engine as a result of oil leakage and hydrostatic loss.
g. Loss or damage to vehicle as a result of abuse, misuse, and in contravention of manufacturers guidelines.
a. Fire, explosion, self-ignition or lightning
b. Flood, Typhoon, Hurricane, Storm, Tempest, Inundation, Cyclone, Hailstorm
c. Burglary, housebreaking or theft –The Insurance company shall pay equal to IDV
d. Riot, strike and terrorism
e. Earthquake (fire and shock damage)
f. Accidental external means
g. Malicious Act
h. Terrorist Activity
i. Whilst in transit by road, rail, inland waterway, lift, elevator or air
j. Landslide, Rockslide
IDV is maximum amount the Insurance Company pays to the Insured at the time of the claim if the vehicle is Total Loss or Stolen. It is the Sum Insured and the same is fixed at the commencement of the Policy.
IDV is calculated on the basis of Manufacturers selling price of the brand and model which included local duties and taxes excluding Registration and Insurance. Different depreciation slabs are mentioned below to arrive at the IDV.
Age of the vehicle % of depreciation
 If not more than 6 months  5%
 More than 6 months but less than 1 year  10%
 More than 1 year but less than 2 years  20%
 More than 2 years but less than 3 years  30%
 More than 3 years but less than 4 years  40%
 More than 4 years but less than 5 years  50%
For more than 5 years – The rate of depreciation varies from one insurer to another insurer
It is the minimum amount which the Insurance Company has mentioned in the policy that will be paid by you at the time of each and every claim.
Yes. Renewal Notice or confirmation from the expiring Insurance Company Policy is sufficient proof that you did not claim anything in the previous year which makes you entitles for NCD even if you buy a new vehicle or change the Insurance Company.
Yes 18* GST is applicable on Insurance Policies.
Yes. Broadly the cities are divided in to Zone A and Zone B. Zone A having cities like Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata. Mumbai, New Delhi and Pune. Zone B: Rest of India. Zone A attracts little higher premium.
YES. Necessary intimation of the sale be communicated to the insurance company and a new proposal form to be filled in the name of new buyer duly signed by the new buyer and the Insurance company charges some additional fees to transfer the insurance from the date of sale to the expiry of the existing Policy in the name of the new buyer. If the original owner was getting the NCD then the new Buyer shall have to pay on pro-rata basis the NCD as well. Please note that the original buyer needs to get the vehicle transfer within 14 days from the date of transfer of the vehicle
Yes if you can provide the evidence that the vehicle has been insured at other insurance company, or the vehicle has been sold or vehicle registration book has been cancelled by the RTO office then you can cancel the Insurance and get the pro-rata refund.
Yes on submission of the request letter, the Insurance provider shall issue the duplicate policy on charging nominal fees.
a. The Duly Signed Claim Form
b. Estimate of repairs
c. The Original Copy of the FIR, if applicable
d. Copy of The Policy Documents
e. A Copy of The Driving License with original for its verification
f. The Original Keys of The Two Wheeler in case of Total Loss or theft
g. In case of theft: Copy of the letter addressed to the RTO intimating theft
h. Copy of The Vehicle’s Registration Book
i. RTO Transfer Papers Duly Signed Along With the Necessary Forms (Form 28, 29, 30 And 35).
j. In case of theft or total loss: Once the local police station submits the final no-trace which means the vehicle could not be found and the claim is approved, you must transfer the RC of the stolen Two Wheeler in favour of the insurance company, hand over all sets of keys and issue a letter of subrogation to the insurance company. Although filing a Two Wheeler insurance claim is fairly straight forward, it is important to do it properly or else the claim can become null and void.
Presented below are 5 express reasons to purchase your next insurance policy online or pay insurance premium online. As noted before, it is all about combining convenience with simplicity.
a) Lots of Options- Whilst the offline search for insurance policies may seem convincing enough, you aren’t actually seeing the whole picture. It’s not your fault- legwork can be daunting, and you cannot convincingly check out all the available options in a defined period of time. Thus, checking out all the available options (inclusive of the pros and cons, terms and conditions, qualification factors and peer reviews) online makes for a very sensible choice.
b) Avoid the Mind Games- When dealing with an insurance agent; you are forced to match with a fellow human being who isn’t an impartial authority with regards to what suits your condition the best. He is a salesman who is trying to sell you a product, and all the marketing tricks are in play. Thankfully, this isn’t a problem when buying insurance policy online. In light of all the information before you, an informed and accurate decision can be made instantly.
c) Buying Online is Cheaper- Insurance companies prefer it if you buy their insurance policies and/or pay your premiums online. This is because the said companies don’t have to pay the agents any hefty commissions and the commonly incurred costs pertaining to sales, documentation and other facets of the policy are saved. Thus, the costs are kept low and all the benefits reaped are passed onto the customer. It is a win-win situation for both the insurance company and the customer.
d) Discounts and Offers- To encourage people to purchase insurance policies online, insurers, in collaboration with partners, offer lucrative discounts and offers. For instance, some credit cards companies as the ones offered by Citibank and Standard Chartered Bank offer 5% cash-back to their cherished customers as and when they affect a credit card transaction. Why not use this facility to pay your insurance premium and avail a sizable profit?
e) Its Faster, Safer and Simpler- Obviously, running a rat race to find the best insurance plan versus checking out the ‘one’ online are poles apart in terms of the time, energy and patience involved. Plus, insurers ensure that when it comes to safety, financial transactions on their websites are akin to the online equivalent of Fort Knox. Plus, procedures are so simple, even a child could complete them all (not a recommended proposition though).
Hence, buying the insurance policy online is totally worth it when compared to buying from the traditional sources. In this modern age of internet, fast connectivity and banking’s enhanced presence online, choosing the slower option could be considered a costly mistake
Here we bring you a few imperative pointers on how to claim your TWO WHEELER insurance, in any of the following scenarios.
Submit the following to your insurance provider at the time of Claim
  • The Duly Signed Claim Form
  • The Original Copy of the FIR, if applicable
  • Copy of The Policy Documents
  • A Copy of The Driving License with original for its verification
  • The Original Keys of The TWO WHEELER
  • Copy of the letter addressed to the RTO intimating theft
  • Copy of The Vehicle’s RC
  • RTO Transfer Papers Duly Signed Along With the Necessary Forms (Form 28, 29, 30 And 35).
Once the local police station submits the final no-trace which means the vehicle could not be found and the claim is approved, you must transfer the RC of the stolen TWO WHEELER in favour of the insurance company, hand over all sets of keys and issue a letter of subrogation to the insurance company. Although filing a TWO WHEELER insurance claim is fairly straight forward, it is important to do it properly or else the claim can become null and void.
  • Keep the copies of your insurance Policy and its related paperwork up to date and intact.
  • After an accidental damage, immediately take pictures of the damage to the vehicle or any third party property irrespective of whose mistake attribute to the accident.
  • In case of major accident or death or personal injuries to any one due to accident it is advisable to inform the Police authorities and obtain the police papers. File an FIR which is very important for the claim process. Filing FIR is mandatory in the third party liability claim and without it, to make a claim will be very difficult for you
  • If it is possible, if the other party has not run away, record the details of the other vehicle including the model number, vehicle number, make of the TWO WHEELER and most important the insurance details of opposite vehicle. These details will be required to file and get the claim smoothly.
  • Make a call to the representative of the insurance company you have been dealing with, at the earliest or you can call claim assistance team of xpressbima.in and take guidance from the representative on how to proceed and what forms or documents will be required to support your claim. Present all the correct and validated information.
  • Fill up and submit the duly signed claim form to the Insurance company and submit the same along with the copy of the estimate of Repairs. Please do not commence the repairing/replacement of the vehicle till the damages are inspected by the surveyor deputed from the Insurance Companies.
  • Surveyor or inspection officials will be sent by your insurance provider to inspect and evaluate. This will include inspection and verification of the damage to the TWO WHEELER, examining the evidence of any injury claims, and checking the original registration book and the driving License.
  • The surveyor will assess the loss with the repairer and on completion of the repairs all original bills and receipts should be submitted to the Insurance Company for their processing of the claim.
  • If there is HYP / HPA on the vehicle then the No Objection Certificate should be obtained from the financer.
In Case of Theft of a TWO WHEELER
  • Lodge an FIR with local police station immediately without wasting any time.
  • Call the insurance provider office and inform the theft.
  • Write with Registered AD letter to the RTO (Road Transport Office) and inform the theft.
  • Fill the claim form offered by the insurance company, providing the information such as policy number, vehicle registration number, RC number, date time and little description of the incident where the theft took place

Reg. Office : B-711, Mondeal Heights, Next to Hotel Novotel, S.G. Highway, Satellite, Ahmedabad 380015 Gujarat -India
IRDAI Direct Insurance Registration No. 639 - Valid till 06th March, 2024
Contact No. +91 9727227797 ; E mail: info@arron.in
Tollfree : 1800123000044
Principal Officer : Mr. Ramesh K. Patel ; E mail : rameshpatel@arron.in

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