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Motor Insurance
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What is Bike Insurance?

A bike insurance policy is an agreement between a bike owner and an insurance provider. In return for a premium, insurers provide financial coverage against unforeseen incidents such as accidents, theft, fire, natural calamities, and third-party liabilities. Additionally, having a valid bike insurance policy helps avoid hefty traffic fines.

The three primary types of bike insurance policies include third-party, own damage, and comprehensive insurance. A Personal Accident Cover of up to INR 15 Lakh is also available for owners and drivers.

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What benefits does bike insurance provide?

Own Damage Coverage

Covers losses due to fire, theft, natural disasters (floods, earthquakes, etc.), riots, accidents, and transit damages.

Third-Party Coverage

Covers third-party liabilities as mandated by the Motor Vehicles Act, including damage to third-party property.

Personal Accident Cover

Provides financial support in case of death or permanent disability of the owner-driver.

Types of Bike Insurance Policies

In India, insurance companies offer three main types of bike insurance policies: third-party, comprehensive, and standalone own-damage insurance. Choose a plan based on your budget and needs.

  • Third-Party Bike Insurance
  • Covers third-party liabilities, including damage to another person or property.

  • Comprehensive Bike Insurance
  • Covers both third-party liabilities and own damages, including accidents, theft, and natural disasters.

  • Standalone Own Damage Cover
  • Covers damages to your bike due to accidents, fire, natural disasters, or theft. This does not include third-party coverage.