Two Wheeler & Bike Insurance
Renew your bike or scooter insurance in 2 minutes without vehicle inspection. Compare comprehensive & mandatory third-party policies from top insurers in India with up to 50% No Claim Bonus transfer.
Instant Bike Quotes
Auto-fetches bike & policy records via VAHAN
Statutory Third-Party Two-Wheeler Insurance Rates
Government regulated annual premium rates fixed by IRDAI.
| Engine Capacity / Electric kW | Annual TP Rate |
|---|---|
| Two-Wheeler (Up to 75 cc) | ₹538 / year |
| Two-Wheeler (75 cc - 150 cc) | ₹714 / year |
| Two-Wheeler (150 cc - 350 cc) | ₹1,366 / year |
| Two-Wheeler (Above 350 cc) | ₹2,804 / year |
| Electric Two-Wheeler (Not exceeding 3 kW) | ₹457 / year |
| Electric Two-Wheeler (3 kW - 7 kW) | ₹607 / year |
Essential Two-Wheeler Add-on Riders
Protect your scooter or motorcycle against plastic depreciation, engine seizure, and roadside breakdowns.
Zero Depreciation
Waives off 50% depreciation deductions on plastic fiber, rubber, and glass body parts during collision claims.
Save up to 100% on parts24x7 Roadside Assistance
Emergency flat tire puncture repair, fuel delivery, on-spot minor mechanical repairs, and towing to nearest service center.
24x7 Pan-India HelpPersonal Accident (PA) Cover
Mandatory ₹15 Lakh death and permanent total disability cover for individual owner-driver under IRDAI norms.
₹15 Lakh SecurityHow to File a Bike Insurance Claim
Simple 3-step digital claim filing with zero paperwork and instant cashless settlement.
Notify via WhatsApp / Helpline
Inform our 24x7 claims desk (+91 94515 70150) or submit your registration number online within 48 hours of accident.
Digital Photo Self-Inspection
Upload clear photos and video of the damaged two-wheeler. In minor claims under ₹20,000, approval is issued within 3 hours.
Direct Cashless Repair
Collect your repaired bike from the authorized network garage with zero repair bill stress; the insurer pays the workshop directly.
India's Top Life & General Insurers
Compare leading IRDAI approved providers for transparent rates, genuine comparisons, and swift cashless claim settlements.
Frequently Asked Questions
Clear, transparent answers to help you make informed insurance decisions.
Instant Two Wheeler Bike Insurance Online
With millions of daily riders navigating potholed city roads and crowded traffic corridors across India, two-wheelers face the highest vulnerability to accidents, skid damages, and theft. Under Section 146 of the Motor Vehicles Act, carrying active insurance is mandatory for every two-wheeler on Indian roads. Insurance Kara Lo provides lightning-fast bike insurance renewals, paperless KYC, and seamless claim support for all motorcycle models from 100cc commuters to high-performance superbikes.
Two-wheeler bike insurance protects your motorcycle or scooter against accidents, theft, fire, and mandatory legal third-party liabilities. Buy or renew online in 60 seconds starting at ₹1.5/day with zero paperwork, instant WhatsApp policy delivery, and cashless claim settlements across 8,500+ garages.
Two-wheeler insurance is a statutory indemnity contract that protects bike, scooter, and superbike owners against accidental repair damages, natural calamities, theft, and third-party bodily injury or property liability.
New 1-Year Own Damage + 5-Year Third-Party Long-Term Rule
Under IRDAI regulations, all brand-new two-wheelers sold in India must carry a mandatory 5-year third-party liability policy bundled with either a 1-year or multi-year Own Damage cover. When your first-year OD cover expires, you only need to renew the Standalone Own Damage (SOD) policy, as your legal third-party cover remains active for the full 5-year duration.
How to Prevent Total Loss Rejections for Stolen Two-Wheelers
Two-wheeler theft is common in open parking zones. In the unfortunate event of bike theft, lodge a police FIR immediately within 24 hours and notify your insurer. You must preserve both original vehicle keys and submit the RTO non-traceable report to successfully receive your full Insured Declared Value (IDV) claim cheque.
What It Covers (Inclusions)
- ✓Accidental collision damages to frame, handlebars, fuel tank, wheels, and fairing
- ✓Theft of the two-wheeler with 100% IDV claim payout upon filing an untraced police report
- ✓Total or partial fire damages, self-ignition, lightning, and explosion
- ✓Severe monsoon flood damages, cyclone impacts, landslides, and falling objects
- ✓Unlimited legal liability for third-party injury, disability, or death
- ✓Third-party property damages covered up to statutory limits of ₹7.5 Lakhs
- ✓Mandatory ₹15 Lakhs Compulsory Personal Accident cover for the owner-rider
- ✓Available riders: Zero Depreciation, Engine Protect, Consumables Cover, and 24x7 Roadside Assistance
What Is Not Covered (Key Exclusions)
- ✕Riding without an active, category-appropriate two-wheeler driving license or learner permit without an escort
- ✕Riding under the influence of alcohol, drugs, or illegal substances
- ✕Damage incurred while racing, stunt riding, or participating in organized speed trials
- ✕General wear and tear, tyre puncture or tube bursts without accidental impact
- ✕Consequential damages to engine or electrical components caused by continuous riding after oil loss
- ✕Claims originating when policy has lapsed past the 90-day NCB grace period
Who Should Buy This Policy?
- •Daily office commuters riding motorcycles or automatic scooters in crowded urban traffic
- •College students and young riders needing affordable, compliant third-party or comprehensive plans
- •Gig economy workers, food delivery riders, and courier executives relying on bikes for their livelihood
- •Touring enthusiasts and superbike owners requiring zero-depreciation and pan-India roadside assistance
Required Documents
- •Two-wheeler Registration Certificate (RC) book or digital copy via mParivahan
- •Previous policy number and expiry date (for continuous NCB discount verification)
- •Rider Driving License (DL)
- •Aadhaar or PAN Card for digital instant KYC approval
Tax Benefits & Deductions
Personal two-wheeler insurance premiums are not tax-deductible under personal income tax slabs. However, self-employed delivery partners, sole proprietors, or small business owners utilizing motorcycles for commercial logistics can claim 100% of insurance premiums as business expenses under Section 37 of the Income Tax Act.
Step-by-Step Cashless Claim Workflow
Step 1: Digital Intimation — Report the accident via WhatsApp or call our claim helpline (+91 94515 70150).
Step 2: Instant Photo Upload — Share clear photos of the damaged motorcycle and accident spot.
Step 3: Network Garage Visit — Drop the bike at an authorized network service center for self-survey appraisal.
Step 4: Fast Approval — Insurer approves estimate within 2 to 4 hours under digital fast-track processing.
Step 5: Cashless Ride Home — Pick up your repaired bike without paying for approved damages.
Comparative Policy Analysis
| Plan Type | Own Damage Protection | Third-Party Liability | Theft Payout | Pricing Benchmark |
|---|---|---|---|---|
| Comprehensive Two-Wheeler Plan | Full Accidental & Flood Damage Covered | Mandatory Unlimited Liability | 100% IDV Settled | Best overall value for active riders |
| Standalone Own Damage (SOD) | Covers Accidents, Fire & Floods | Requires Existing Active 5-Yr TP | 100% IDV Settled | Ideal for bikes in years 2 to 5 |
| Third-Party Liability Only | No Own Damage Coverage | Statutory Injury & Property Defense | No Theft Compensation | Lowest cost, complies with Section 146 |
Frequently Asked Questions
Can I renew an expired two-wheeler insurance policy online without vehicle inspection?
Yes! On Insurance Kara Lo, policies expired under 90 days can often be renewed instantly with self-inspection photo uploads via mobile without manual surveyor visits.
What is the Insured Declared Value (IDV) for a two-wheeler?
IDV is the current market valuation of your motorcycle calculated by deducting age-based depreciation from the manufacturer ex-showroom price. It is the maximum claim payout in case of total loss or theft.
Is Zero Depreciation available for older motorcycles?
Most insurers offer Zero Depreciation add-ons for two-wheelers up to 5 years old. Some specialized underwriters extend this to 7 years for premium motorcycles.
What happens if I make a claim during the policy year?
If you file an Own Damage claim, your accumulated No Claim Bonus (NCB) resets to 0% at next renewal unless you have an active NCB Protect add-on.
10+ years advising Indian vehicle owners and families on IRDAI-compliant insurance planning and claim settlements.
Reviewed for policy wording accuracy, cashless garage procedures, and Section 80D/80C tax rules.
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