Owning a two-wheeler in India offers convenience and cost-efficiency, but it also comes with responsibilities—one of the most important being two-wheeler insurance. Whether you’re riding a scooter or a bike, insurance is essential for your financial safety and legal compliance.
This guide will help you understand what two-wheeler insurance is, how to buy or renew it online, the benefits it offers, and how to check your policy details by vehicle number.
What is Two-Wheeler Insurance?
Two-wheeler insurance is a contract between the bike owner and the insurance provider, offering financial protection against losses due to accidents, theft, natural disasters, or third-party liabilities. It is mandatory in India under the Motor Vehicles Act to at least have third-party insurance.
Types of Two-Wheeler Insurance Policies
| Type | Coverage |
|---|---|
| Third-Party Insurance | Covers damages to third-party person/property. Legally mandatory. |
| Comprehensive Insurance | Covers both third-party and own damages (accidents, theft, natural disasters). |
| Standalone Own Damage | Covers only your vehicle’s damage; must be combined with third-party insurance. |
Top Two-Wheeler Insurance Providers in India
Here are some of the most popular and trusted insurance providers in India:
| Insurance Provider | Key Features |
|---|---|
| Policybazaar | Online comparison tool; helps find best plans from multiple insurers. |
| ACKO Two-Wheeler Insurance | Zero paperwork, instant policy issue, low premiums, digital-first service. |
| Bajaj Allianz Bike Insurance | Quick claim settlement, 24×7 assistance, cashless garage network. |
Benefits of Two-Wheeler Insurance
- Financial Protection: Against accidents, theft, fire, and natural calamities.
- Legal Compliance: Avoid penalties and legal issues with valid insurance.
- Cashless Repairs: Available at network garages.
- Personal Accident Cover: Covers treatment cost in case of injury or death.
- Peace of Mind: Knowing your bike and finances are protected.
How to Buy Two-Wheeler Insurance Online
Buying two-wheeler insurance online is simple and fast. Follow these steps:
- Visit a trusted website like Policybazaar, ACKO, or Bajaj Allianz.
- Enter your vehicle registration number and personal details.
- Compare plans and select coverage (Third-party or Comprehensive).
- Make payment online using net banking, UPI, debit/credit card.
- Download the soft copy of your policy instantly.
How to Renew Two-Wheeler Insurance Online
Renewing your bike insurance before it expires ensures continuous coverage. Here’s how:
- Go to your insurer’s website or app.
- Enter policy number or vehicle registration number.
- Review and update your details, if necessary.
- Select add-ons (like Zero Depreciation, Roadside Assistance).
- Make the payment and receive the renewed policy instantly.
Two-Wheeler Insurance Check by Vehicle Number
If you’ve misplaced your policy or want to check its validity, follow these steps:
- Visit Parivahan Sewa website.
- Click on “Know Your Vehicle Details”.
- Enter your vehicle number and captcha code.
- Your insurance details will be displayed, including policy number and expiry date.
Why Choose Online Bike Insurance?
| Benefits | Description |
|---|---|
| Convenience | Buy or renew anytime from your phone or computer. |
| Quick Processing | Instant policy issuance. |
| No Paperwork | 100% digital process. |
| Comparison Tools | Helps you find the best premium and features. |
| Discounts & Offers | Lower premium rates online, sometimes with exclusive offers. |
FAQs About Two-Wheeler Insurance
Q1. Is it mandatory to have two-wheeler insurance in India?
Yes, at least third-party insurance is legally required to ride on Indian roads.
Q2. Can I switch my insurance provider during renewal?
Absolutely. You can change insurers online while renewing your policy.
Q3. What happens if my policy expires?
If not renewed in time, your vehicle will be uninsured. You may have to undergo inspection and face legal penalties.
Q4. What is a No Claim Bonus (NCB)?
It’s a discount you earn on your premium for not making any claims in the previous year.
Conclusion
Whether you’re purchasing a new policy or renewing an existing one, buying two-wheeler insurance online is fast, secure, and smart. With the convenience of online platforms and the option to compare multiple insurers, you can ensure optimal protection for your bike without stepping out of your home.
Don’t ride uninsured—protect your two-wheeler today!
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