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MOTORCYCLE & SCOOTER INSURANCE

Two-Wheeler Insurance Plans

Comprehensive & Third-Party insurance for motorcycles, scooters, and electric bikes. Enjoy instant digital policy renewal in 2 minutes with zero paperwork.

Instant 2-minute online renewal with zero inspection
Long-term 2 & 3 year policy options for extra savings
Personal accident cover for owner-driver up to ₹15 Lakhs
Cashless repair across 3,000+ network garages
SNAPSHOT OVERVIEW

Two Wheeler Insurance

IRDAI Compliant
Max Coverage Based on Bike IDV
Cashless Network 3,000+ Cashless Garages
Tax Benefit Business Tax Eligible
Policy Issue Instant 2-Min Policy
Check Premiums & Options
EDUCATIONAL GUIDE

Affordable Two-Wheeler Protection Across India

Two-Wheeler Insurance safeguards your motorcycle, scooter, or EV against accidental damages, theft, natural disasters, and third-party liabilities. Under the Motor Vehicles Act, carrying valid third-party bike insurance is mandatory.

FINDEAL offers instant digital comparison for commuter bikes, sports motorcycles, scooters, and electric two-wheelers from top Indian insurance providers.

Who Needs Bike Insurance?

Every owner of a two-wheeler, motorcycle, scooter, or electric bike riding on public Indian roads.

KEY BENEFITS

Prominent Features & Add-ons

Instant Renewal

Renew expired or active policies digitally in less than 2 minutes.

Long Term Policies

Lock in premiums for up to 3 years without annual renewal hassle.

Zero Dep Add-On

Avoid depreciation deductions on fiber and plastic body parts.

Cashless Garages

Cashless repair facility across 3,000+ bike service centers.

NCB Transfer

Transfer your accumulated No-Claim Bonus when switching bike insurers.

24/7 Roadside Assistance

Breakdown assistance, towing, and flat tire help.

POLICY TRANSPARENCY

Coverage Inclusions & Exclusions

Understand what is typically covered under Two Wheeler Insurance policies and standard waiting periods.

Typical Inclusions

STANDARD COVERED HAZARDS
Accidental damages to bike frame, engine, & body panels
Total bike theft & burglary compensation based on IDV
Third-party legal liability for property damage or injury
Damage from natural disasters (floods, storms, earthquakes)
Personal accident cover of ₹15 Lakhs for owner-driver

Standard Exclusions

LIMITATIONS & WAITING PERIODS
Normal wear & tear, tire puncture, or aging of bike parts
Riding without a valid driving license or helmet
Riding under the influence of alcohol or drugs
Consequential engine damage due to water ingress
PREMIUM CALCULATION

Key Factors Affecting Premium Rates

Engine Capacity (CC)

Bikes above 150cc and sports motorcycles have higher Third-Party & OD rates.

Bike IDV & Age

Newer bikes have higher IDV, which gradually depreciates annually.

PAPERLESS KYC

Required Documentation

Bike Registration Certificate (RC)
Previous Policy details (for renewal)
Aadhaar / Driving License
UNBIASED QUOTE ADVISORY

Request Customized Two Wheeler Insurance Quotes

Provide your basic details to receive tailored policy recommendations, coverage comparisons, and tax-saving advice from certified FINDEAL specialists.

100% Confidential & Confidential Guidance

Zero Spam — Speak to Certified Advisors Only

FREQUENTLY ASKED QUESTIONS

Questions About Two Wheeler Insurance

Common queries regarding coverage limits, claim procedures, and eligibility.

Yes, you can renew expired bike insurance instantly online. Self-inspection via smartphone photo/video upload may be required if expired for over 90 days.
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FINDEAL ADVISORY

Secure Two Wheeler Insurance Protection

Compare plans, understand policy exclusions, and get dedicated assistance from FINDEAL advisors.