Two-Wheeler Insurance
Two-wheeler insurance is a motor policy that covers your bike or scooter against accidents, theft, fire and natural disasters, and pays for injuries or damage you cause to others. In India, at least third-party two-wheeler cover is legally mandatory to ride on public roads. Assurmate, a trusted insurance advisory, compares plans from 75+ insurance partners so you get the right cover at a fair price with full claims support.
What it is
Two-wheeler insurance protects you financially when something goes wrong with your motorcycle, scooter or moped. A third-party policy covers your legal liability for injuries, death or property damage you cause to other people, which is mandatory under the Motor Vehicles Act. A comprehensive policy adds own-damage cover, paying to repair or replace your own vehicle after accidents, theft, fire, riots or natural calamities.
Most policies also include a personal accident cover for the owner-rider. You can buy long-term third-party plans (commonly up to 5 years for new bikes), choose paperless renewal, and add riders like zero depreciation to boost protection. As an independent advisory, Assurmate helps you weigh cover, price and claim settlement record across insurers rather than pushing a single brand.
Who needs it
Anyone who owns or rides a two-wheeler in India needs this cover. Legally, every bike or scooter on a public road must carry at least valid third-party insurance, so riding without it risks fines, penalty points and impounding. Daily commuters, students, delivery riders, gig-economy workers and families with a second vehicle all benefit from comprehensive cover, which protects against the high costs of theft, accident repairs and natural disasters such as floods. If your two-wheeler is new, on EMI, or simply important to your daily routine, a comprehensive plan with the right add-ons gives you peace of mind and a quicker financial recovery when something goes wrong.
What's covered
- Third-party legal liability for injury, death or property damage you cause to others
- Own-damage to your bike or scooter from road accidents and collisions
- Theft of the insured two-wheeler
- Damage from fire, explosion, self-ignition or lightning
- Natural calamities such as floods, cyclones, earthquakes and storms
- Man-made risks like riots, strikes, vandalism and malicious acts
- Personal accident cover for the owner-rider (subject to a valid licence)
- Damage during transit by road, rail, air or waterway
Typically not covered
- Normal wear and tear, ageing and mechanical or electrical breakdown
- Depreciation on parts unless a zero depreciation add-on is bought
- Riding under the influence of alcohol or drugs
- Driving without a valid driving licence or learner riding unaccompanied
- Use outside the policy's geographical area or for unauthorised purposes (e.g. racing)
- Consequential losses and damage from deliberate or illegal acts
Why buy it through Assurmate
Stay legally compliant
A valid third-party policy keeps you on the right side of the Motor Vehicles Act and avoids fines or your vehicle being impounded.
Protection against big repair bills
Comprehensive cover pays for accident, fire, theft and natural-disaster damage, so a single bad day does not become a heavy out-of-pocket expense.
Long-term and paperless convenience
Choose multi-year third-party options for new bikes and renew online in minutes without paperwork or branch visits.
Compare 75+ insurance partners in one place
Assurmate shows quotes, cover and claim settlement records side by side so you pick on value, not just price.
Free, conflict-free advice
As a trusted insurance advisory we are paid to help you, not to favour one insurer, so the recommendation stays on your side.
Full claims support
We help you file, document and follow up your claim end to end, so you are not left dealing with the insurer alone.
Optional add-ons
- Zero Depreciation Cover. Removes depreciation deductions on replaced parts so you receive a higher claim payout, especially useful for newer two-wheelers.
- Roadside Assistance. Provides on-call help for breakdowns, flat tyres, fuel delivery and towing if your bike stops mid-journey.
- Engine Protection Cover. Covers engine and gearbox damage from water ingress or leakage of lubricants, which the base own-damage cover usually excludes.
- Consumables Cover. Pays for items like engine oil, nuts, bolts and lubricants used during a covered repair that are otherwise not reimbursed.
- Return to Invoice. Pays the original invoice value of the bike in case of total loss or theft, reducing the gap left by standard depreciation.
- Pillion Rider / Passenger Cover. Extends personal accident protection to a pillion passenger riding with you, subject to insurer terms.
How to buy through us
- 1
Share your bike details
Tell us your two-wheeler make, model, registration year and city, or upload your existing policy and RC for a quick quote.
- 2
Compare and choose
Review side-by-side quotes from 75+ insurance partners with cover, add-ons and claim records, and our advisor helps you pick the best fit.
- 3
Pay and get instant policy
Complete a secure online payment and receive your policy document instantly by email, with paperless renewal next time.
- 4
Lean on us for claims
If you ever need to claim, Assurmate guides you through filing and documentation and follows up with the insurer on your behalf.
Two-Wheeler Insurance questions
The things people ask us most about this cover.
Yes. Under the Motor Vehicles Act, every two-wheeler on a public road must have at least a valid third-party liability policy. Riding without it can lead to fines, penalty points and your vehicle being impounded.
Third-party cover only pays for injury or damage you cause to others and is the legal minimum. Comprehensive cover adds own-damage protection for your own bike against accidents, theft, fire and natural disasters, plus owner-rider personal accident cover.
Yes. New two-wheelers are commonly issued with long-term third-party cover (often up to 5 years), which saves you the hassle of yearly third-party renewal. Own-damage cover is usually annual and renewed each year. Exact terms vary by insurer and policy wording.
NCB is a discount on your own-damage premium for every claim-free year, which can rise step by step over consecutive years. It rewards safe riding and can lower your renewal cost, and in many cases it can be transferred if you change insurers.
Comprehensive policies cover theft of the insured two-wheeler. You typically need to file a police FIR and submit it along with the keys and documents. Standalone third-party policies do not cover theft of your own vehicle.
Assurmate is a trusted insurance advisory that compares 75+ insurance partners so you choose on value, not just brand. Our advice is free and conflict-free, and we provide full claims support so you are not left negotiating with the insurer alone.
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