Two-wheeler insurance means two-wheeler insurance against natural or man-made disasters. It provides financial support for any injury or damage in an accident to the insured bike and the third party. As two-wheelers are a convenient way to carry them every day, it is also important to keep them safe. When you’ve agreed to insure your bike for two wheels, it’s protected from road protection uncertainties. Thus, with a sense of safety and peace of mind, you can ride your two-wheeler.


Based on the coverages, there are three types of two-wheeler insurance plans in India. Below laid out are the three types of plans:

  • Standalone Insurance Policy: The insuring vehicle’s automatic insurance policy covers the damage. This policy would not ask you to compensate for damages to your car caused by a natural or man-made catastrophe. Robbery and theft are also part of this policy.
  • Third-party Insurance Policy: As the name shows, the third-party risks are protected by the third-party insurance policy. This policy offers financial support for harm to third parties incurred by your vehicle’s accident. Please notice that losses to third parties include car damage to third parties and property damages to third parties.
  • Comprehensive Insurance Policy: The full insurance policy protects all personal injury and damages to third parties. In any case, the robust policy would take care of all financial obligations, whether the vehicle or any other third party is damageable.

It is clear that there are limitations for the independent insurance policy and third-party insurance policy. The first only refers to an insured car, but the latter is limited to liability by third parties. Therefore, the full insurance policy is the safest option to guarantee optimum coverage and whether the budget requires you.


The following are covered under the motorbike insurance policy:

  • Any loss or damage occurred to the insured vehicle due to natural calamities such as flood, earthquake, storm, and so on.
  • Any damage or loss incurred to the insured vehicle due to any man-made disaster such as fire, riot, and terrorist activities, and so on.
  • Any third-party property or vehicle damage in an accident involving the insured vehicle.
  • Total loss incurred on the insured vehicle due to theft or burglary.