Comprehensive Bike Insurance

Name: Comprehensive Bike Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

Comprehensive bike insurance covers damage caused to your bike due to accidents, fire, natural calamities and theft. It also provides third-party liability coverage if your bike accidentally causes harm to another person or their property, taking care of any unexpected financial costs.

This policy type also ensures compliance under the Motor Vehicles Act, 1988, by bundling third-party bike insurance with own-damage coverage under a single plan. And if you buy from us, you can extend this coverage by choosing any of the 15+ add-on covers we offer.

At IndusInd General Insurance (previously known as Reliance General Insurance), you get comprehensive bike insurance starting at ₹18/month*. We offer instant claims and renewals through our IndusInd Insurance app, along with 24/7 customer support. By combining bike insurance protection with a seamless digital experience, we help you protect your bike with confidence.

What is Comprehensive Bike Insurance?

A comprehensive bike insurance policy is an all-in-one plan that protects your bike from own damage (damage to your bike) and third-party liability (damage your bike causes to others). So, if your bike is damaged in an accident and also damages another person’s vehicle, this plan covers your bike’s repair costs and any legal liabilities arising from the accident.

With comprehensive bike insurance, you can also opt for add-on covers such as nil depreciation, engine protection, etc., to extend insurance coverage. This policy type is recommended for new bike owners, daily users, owners of high-end/luxury bikes, and anyone looking for complete bike protection.

Why Do You Need Comprehensive Bike Insurance?

Accidental Damage & Theft Protection

A comprehensive bike insurance plan protects your bike from any damage caused by an accident or event out of your control. For example, you’ll receive financial compensation if your bike is damaged in a road accident, natural disasters like floods or earthquakes, impact damage during man-made calamities like riots or strikes, or by fires or fire-related damage.

You are also offered compensation if your bike is stolen and cannot be recovered. In these cases, we pay out the IDV amount of your bike.

Third-Party Liability Coverage

Third-party liabilities, or damage your bike causes to another vehicle, person, or their property, will be covered by a comprehensive bike insurance policy. This means that if you accidentally damage someone’s car in a collision, your policy will pay compensation for their repairs in your place.

It will also cover any legal liabilities arising from accidents or events involving another party, as well as any medical costs resulting from injury to another person in a collision or accident.

Single Premium Convenience & NCB

A comprehensive policy combines third-party liability and own-damage coverage under one plan, simplifying premium payment. So, rather than buying 2 separate plans, you only need to pay for and keep track of one policy.

Moreover, the availability of a No Claim Bonus (NCB) discount makes policyholders who haven’t filed any claims in the previous year eligible for a discount on their renewal premiums. Starting at 20% for the first claim-free year, you can get up to a 50% off* for 5 consecutive claim-free years.

Add-Ons Optionality

You get the option to opt for add-ons under a comprehensive motorcycle insurance policy. These are extra covers you can buy with your policy at purchase or renewal for an additional fee to enhance your base plan’s coverage.

For example, our most popular add-on, nil depreciation, ensures you get the full claim amount for repairs without us subtracting depreciation costs. Other recommended bike add-ons, such as engine protection, roadside assistance, personal accident cover and helmet cover, offer similar coverage enhancements.

Why US

Why 8 Crore+ Policyholders Trust Us?

Choose us as your insurer and benefit from value-added services, like a fully digital buying, renewal, and claims process. Plus, with 24/7 roadside assistance and customer support, help is always available, no matter where you are. You can also fully customise your comprehensive bike insurance policy with 15+ add-ons* to truly make it work for you based on how you use your bike.

Own Damage Bike Insurance

Up to 80% Online Discount*

When you buy or renew digitally

AI-Assisted Claims on Mobile*

Fast, transparent and reliable claims

24/7 Breakdown Assistance

Dedicated & expert assistance

11,000+ Network Garages*

Highest network across India

Top Features of Comprehensive Bike Insurance

Our best-in-class comprehensive bike insurance policy is made for the modern bike owner! With us, you get 100% digital processes, affordable premiums, yearly discounts that stack, specialised add-ons for EV two-wheelers, cashless repairs, and more. Here are some standout features you get under our two-wheeler comprehensive insurance:

Key Features	Description
Premiums	Starting from ₹18/month*
Coverage	Own Damage + Third-Party Liability (Both Available Separately or Bundled)
Premium Discounts	Up to 80%**
NCB Discounts	Up to 50%**
Personal Accident (PA) Cover	Up to ₹15 lakhs + Can be Extended to Cover the Passenger (Available as an Optional Cover)
Add-Ons	15+ Add-ons with 3 EV Add-Ons*
Cashless Repairs	Available at 11,000+ network garages
Buy/Renew Online	100% digital process + IDV customisation
Quick Claims Survey	In-person claims survey within 24 hours for guided claims assistance
24/7 Customer Support	Expert assistance and WhatsApp support are available around the clock

Inclusions and Exclusions of IndusInd Bike Insurance

What is Covered?

Accidents and Collisions: Repair and part replacement costs for your bike resulting from an accident are covered.

Third-party Damages: You are covered for expenses in case your bike causes damage to someone or their property.

Natural and Man-made Disasters: Damages resulting from natural disasters such as floods, earthquakes, cyclones, landslides, as well as man-made disasters or acts of terrorism.

Animal/Rodent Damage: Any animal-induced damage, like a rat bite or wild animal attack, that causes internal or external damage to your bike or scooter.

Theft and Fire: Offers compensation if your bike or scooter, or its parts, are stolen. Also covers if your bike or scooter catches fire, while parked or in motion, or is damaged by an explosion.

What is Not Covered?

Wear & Tear and Depreciation: We cover all repair costs, except those arising from wear and tear and the natural degradation of parts that occur with regular use.

Accessories: You're fully covered for factory-fitted accessories under the base plan. However, any electrical and non-electrical accessories fitted to your bike after purchase require add-on coverage.

Law Violations: You're fully covered for accident-related claims except for ones arising out of law violations or illegal activity involving your bike.

Outside Coverage Zone: You get pan-India coverage, but if you want coverage outside Indian borders, you'll need the geo-extension add-on.

Disclaimer: Kindly go through your policy wordings for a detailed list of inclusions and exclusions linked here.

Need Help Choosing a Comprehensive Bike Insurance Plan?

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Add-ons Offered Under a Comprehensive Bike Insurance Policy

Your IndusInd comprehensive bike insurance will cover nearly any damage your bike sustains, but in some cases, a base policy may not be enough. This is where getting add-on covers can help. They offer extra coverage for specific bike parts or for specific scenarios, to help you fill in gaps in coverage. Here’s the list of 15+ add-ons we offer to policyholders –

Zero Depreciation

Also known as bumper-to-bumper insurance, you’re covered for the total cost of your bike’s parts without deducting the depreciation value. So, when you file a claim, you won't need to pay depreciation costs, and you get full coverage for the part.

Engine Protector Cover

We cover your bike engine’s repair and replacement in case of damage. So, everything from the engine’s parts to the gearbox/transmission is covered if they’re damaged in an accident, if water enters the engine causing hydrostatic lock, or if oil leaks from the engine.

Helmet Cover

Helmets can also get damaged during accidents, and replacing them can be expensive. That's why we cover the cost of replacing your helmet with the same type and model if it gets damaged or destroyed in an accident. This ensures your safety gear is always up to standard.

Key Protect Cover

Designed to help you out if you lose your two-wheeler’s keys or they get stolen. The key replacement add-on covers the cost of obtaining new keys and installing new locks on the insured bike, including labour charges.

Tyre Protector

You’re covered for accidental damage to your bike’s tyres and tubes. Accidental damage here can include bulges, bursts, cuts or tears to your bike’s tyres. We help cover the cost of repairs and replacements, including wheel alignment and balancing, as well as the expense of consumables.

NCB Retention Cover

Keep your accumulated No Claim Bonus discount at renewal even after you file a bike insurance claim. With this add-on, you can file up to one claim per policy year*, provided your bike insurance claim amount is less than 25% of your bike’s insured declared value.

Consumables Expenses

Covers the cost of consumables, such as engine oil, water, brake fluid, nuts and bolts, chain lubricant, coolant and more, which are often exhausted or replaced during repairs. These are also not covered under the base policy and can add-up increasing your overall repair bill.

Return to Invoice (RTI)

Get your bike’s original invoice price if your bike is stolen and not found or is declared a total loss after a major accident. We will also refund one-time registration charges, road tax and insurance costs, making this add-on cover a great addition to anyone’s policy.

EMI Protection

Kicks in when your bike repairs or replacements take more than 30 days at the garage. In other words, if the repair period exceeds 30 days, we will pay up to 3 EMIs to your bank on your behalf, providing you with extra financial security.

Daily Allowance Benefit Plus

If your bike or scooter is under repair for over 2 days in an authorised garage due to accidental damage, we pay you a fixed daily amount to cover your travel costs. For example, you could use this amount to cover your daily commutes to work.

Rim Protector

Designed to help when your bike's wheel rims are accidentally damaged, making them unfit for use. We pay for the repair and replacement of damaged rim(s), wheel alignment and balancing, labour charges, and the cost of consumables.

Bike Assistance Cover

We offer 24/7 assistance if your bike suffers a breakdown, has a flat tyre, needs fuel delivery, or if you get locked out in a remote location with no garages nearby. This add-on will cover towing, on-site repairs, fuel delivery and more, so help is always there when you need it.

Hospital Cash Cover

You get a daily payout if you are hospitalised for over 24 hours due to injuries from an accident. Coverage kicks in when your hospital stay lasts more than 7 days, and you will receive an additional amount for recovery.

Voluntary Deductible Cover

A voluntary deductible is an amount you agree to pay for each claim before we cover the rest. When you opt for this, your premium is reduced. You need to pay this amount first for every claim before your insurance coverage kicks in, even if your bike is a total loss.

E-Bike Battery Protect

We cover the cost of repairs or replacement of your EV bike's battery if it is damaged by events such as accidents, power surges, or water entering the battery. A useful add-on since the battery is the most expensive part of an EV bike.

Electric Motor Protect

We provide financial support for the repair or replacement of the electric motor, differential, or transmission units of your EV bike if they are damaged due to water entering the electric motor or due to oil leakage.

Electric Bike Charger

If your electric bike's charger and its parts, like cables and adapters, are damaged by fire, flooding, power surges, or accidents, we cover the cost of repairs or replacement of the wall-mounted charging unit.

Comprehensive Vs Third-Party Bike Insurance

Here's a brief overview of our comprehensive and third-party bike insurance plans, designed to provide you with an understanding of the coverage offered under each plan, allowing you to choose the one that best suits your needs.

Bike Coverage Offered	Comprehensive	Own Damage	Third Party
Third-Party Liability
Damage To Your Bike
Personal Accident PA (Cover)
Mandatory by Law?
Add-On Availability
NCB Discount

How are Bike Insurance Premiums Calculated?

Third-party bike insurance premiums are fixed and determined by the IRDAI each year, and they’re also uniform across all insurers. Meanwhile, comprehensive bike insurance prices are determined by your insurance company based on several factors explained below.

If you want a quick way to know your bike insurance premiums, use our bike premium calculator given below.

Insured Declared Value (IDV)

The IDV or Insured Declared Value is determined during policy purchase. It’s your bike’s current market value, and the maximum amount we will pay if your bike is stolen or declared a total loss after an accident. The higher the IDV, the higher your overall premium will be, and the lower your IDV, the lower your premiums.

While maintaining a safe riding record and a no-claim history can get you discounts and reduce your policy premium, the bike’s IDV is influenced by factors such as the vehicle age, manufacturer’s listed price, standard depreciation rates, and value of declared assets (if any). Rather than setting your IDV too high or too low, we recommend setting an amount that’s as close to your bike’s current price. This way, you keep your premiums low while still getting enough coverage and an adequate payout for total loss claims.

Add-Ons

Since add-ons are available for an extra fee, they can slightly raise your overall premium depending on how many add-ons you add to your plan. That’s why we recommend only getting add-ons that you are sure you’ll need.

If you have trouble choosing add-ons for your plan, we recommend getting nil depreciation, engine protection (for flood-prone areas), bike assistance, and helmet cover. New bike owners should also consider getting the return to invoice (RTI) add-on, and EV owners should get our EV add-ons.

Bike Make/Model & Age

New bikes, high-end/luxury, and imported bike models tend to have higher premiums than older or budget-friendly models. This is because expensive bikes tend to have more powerful engines and specialty parts that are more expensive and sometimes harder to find during repairs. These future costs are taken into account when calculating premiums.

Another significant factor is your bike’s age. Older bikes tend to have lower premiums due to depreciation and lower IDVs. In contrast, new bikes with higher IDVs will have higher premiums.

No Claim Bonus & Other Discounts

Discounts like No Claim Bonus (NCB), online discounts, loyalty rewards, and the yearly discounts you get when you’ve installed ARAI-approved anti-theft devices on your bike (2% per year*), or if you’re a member of a recognised automobile association (5% per year*) – all play a role in reducing your overall bike insurance premiums.

These discounts are usually applied during renewals, and maintaining and accumulating an NCB discount alone can help reduce your premiums by 50%. Hence, we recommend getting an NCB protection cover if you have an accrued NCB discount. This allows you to still file claims and keep your NCB discounts, keeping premiums low.

Homepage Curated Plans Client Extension

What is NCB in Comprehensive Bike Insurance?

A No Claim Bonus (NCB) is a discount that insurance companies offer to policyholders who do not file any claims during a policy year. This discount is applied to the comprehensive bike insurance price during renewal.
At IndusInd General Insurance, our NCB discount starts at 20% on the first claim-free year and can be accrued up to 50% on 5 consecutive claim-free years.

You should note that you will lose your NCB discount if you file a claim. For example, if you held a 35% NCB discount and filed a claim, your NCB will revert to zero, and you will need to start over. That’s why we recommend adding an NCB Retention add-on to your comprehensive bike insurance policy if you have an NCB discount. This cover will allow you to file claims without losing your NCB.

You can also transfer your NCB discount on the sale of your vehicle, and there will be no change to your discount amount post-transfer. So, if you held a 50% NCB with your previous insurer and switched over to IndusInd General Insurance, you will still have the 50% discount on your new policy after the transfer.
Here is a breakdown of the NCB discount percentages you can get on claim-free years.

Number of Claim-Free Years	NCB Discount
1 Claim-Free Year	20%
2 Consecutive Claim-Free Years	25%
3 Consecutive Claim-Free Years	35%
4 Consecutive Claim-Free Years	45%
5 Consecutive Claim-Free Years	50%
Between 4 years and 5 years	50%

How to Buy and Renew Comprehensive Bike Insurance Online?

Buy Online

Scroll up to the form on top of this page, enter your bike registration and contact details. You can also use our calculator to estimate your premiums.

Select your bike make/model and enter your bike registration and previous policy details (if available).

Enter your mobile number and the OTP. Next, select the comprehensive bike policy and your bike’s IDV from the given range.

Select any bike insurance add-ons you require, then review the policy details and final price.

Pay online securely and complete the CKYC with your PAN details to receive your bike insurance policy PDF.

Renew Online

Navigate to the form on top of this page, choose ‘Renewal’. You can also open the IndusInd Insurance app and tap “InstaRenew”.

Fill in your mobile number or bike insurance policy number, or your bike registration number. Click Submit.

Update/modify your damage plan as needed. This is also when you can add add-ons to your plan.

If you had a claim-free year, check if an NCB discount is applicable on your bike renewal premiums.

Confirm the final premium and make the bike insurance renewal payment online to receive your renewed policy.

Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.

Bike insurance starting at just ₹18 per month*!

Customised Plans for Your Bike

Secure your Bike with coverage against own damage, theft and more. Enhance your plan with add-ons tailored to your bike's riding needs.

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How to File a Claim For Comprehensive Bike Insurance?

Cashless

You must inform us within 24 hours at 022-48903009 (Paid), or register your online claim on the IndusInd Insurance app, Self-Help/Web-chat on the IndusInd Insurance website, or via WhatsApp on 7400422200.

Visit a network garage for repairs or get in touch with our call centre for assistance. We will send a surveyor within 24 hours for claim intimation, and the two-wheeler may need to be checked before any repairs take place.

You can also do a self-inspection using the IndusInd Insurance app, just submit photos or join a video call with a surveyor.

Submit all your claim documents and wait for approval from our team. This can take 7 days (after document submission).

The required documents include the claim form, RC, policy copy, original repair estimate, fire brigade report (in case of fire loss), FIR (if applicable), and KYC documents. Based on the claim, you may require additional documents such as permit and authorisation, vehicle fitness certificate, load challan (for goods vehicles), or passenger list (for passenger vehicles). The survey report is usually submitted within 15 days of the surveyor’s appointment.

Once your claim is approved, we will pay our share of the repair charges directly to the garage.

Reimbursement

You must inform us within 24 hours at 022-48903009 (Paid). You can also register your bike insurance claim on the IndusInd Insurance app, Self-Help/Web-chat on the IndusInd Insurance Website, or even through WhatsApp on 7400422200.

Visit any garage of your choice to get your bike repaired. A surveryor is usually appointed within 24 hours of your claim intimation, and the bike may require inspection before it goes through repairs.

The survey is generally done within 24 hours from the time the surveyor is assigned.

As part of the document verification, submit the RC, policy copy, claim form, FIR (if needed), original repair estimate, fire brigade report (if case of fire loss), and KYC documents. Depending on the nature of the claim, you might require additional documents such as load challan (for goods vehicles), permit and authorisation, vehicle fitness certificate, or passenger list (for passenger vehicles). The survey report is usually submitted within 15 days of the surveyor's appointment.

Upon approval of your claim, we will transfer the claim amount directly to your bank account via NEFT.

Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.

Homepage Curated Plans Client Extension

Key Takeaways

Comprehensive bike insurance offers extensive coverage for bike owners against a wide range of risks, such as road accidents, natural disasters, fire, theft and other unforeseen events. Along with this own-damage protection, the policy also includes mandatory third-party liability coverage if your bike causes injury to another person or damages their property. This ensures you stay compliant with Indian motor laws under the Motor Vehicles Act, 1988.

At IndusInd General Insurance (formerly known as Reliance General Insurance), our comprehensive bike insurance plan is designed to suit different riders and budgets. You benefit from cashless repairs at 11,000+ network garages, a fast and seamless claims process, and instant policy purchase and renewal through the IndusInd Insurance app.

With us, you can also customise your comprehensive bike insurance policy using 15+ add-ons* to enhance protection for your bike. Moreover, our 24/7 customer support ensures you always have assistance when you need it the most.

Authors - Brand Bike

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Authors - Model Bike

IndusInd General Insurance

Aapke Protection ka All-rounder

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Stories shared by our happy customers!

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4.9 ★ ★ ★ ★ ★ (52)

Murali Krishna Alla

West Godavari

Quick policy issuance

The journey of purchasing Bike insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Kunta Naveen

Vizianagaram

Quick policy issuance

Buying a Bike policy through the platform was straightforward and quick. I felt that my protection needs were well addressed with this policy.

Viral Kumarvinu Bhai Patel

Vadodara

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time. I'm happy with how everything went and feel secure with my policy.

Kuldeep Singh

Shahjahanpur

Quick policy issuance

I recently purchased my Bike insurance and found the experience very smooth. I felt that my protection needs were well addressed with this policy.

Sandeep Kumar

Raichur

Quick policy issuance

Buying a Bike policy through the platform from Reliance (now IndusInd) was straightforward and quick. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons.

Palepuni Raja

Nizamabad

Quick policy issuance

I recently purchased my Bike insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs. The process felt reliable and I would recommend it to others.

Harish S

Nilgiris

Quick policy issuance

Buying a Bike policy through the platform from Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Aravinthsarathy B

Nagapattinam

Quick policy issuance

The journey of purchasing Bike insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Dhananjay Nair

Kanyakumari

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance (now IndusInd) was convenient. I felt that my protection needs were well addressed with this policy. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Rosan Patel

Jharsuguda

Quick policy issuance

Buying a Bike policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time. The process felt reliable and I would recommend it to others.

Surendra Kumar Sain

Jhansi

4.5

Value for money

I recently purchased my Bike insurance and found the experience very smooth. I'm happy with how everything went, product offering is fine.

Kulamatiadi Venkat Rama Appa Rao

Hyderabad

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance General Insurance (now IndusInd General Insurance) was convenient. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras.

Uma Devirallabandi

Hyderabad

Quick policy issuance

I had a positive overall experience while applying for Bike insurance. The coverage provided matches my expectations and feels comprehensive.

Raj Kumar Goudburu

Hyderabad

Quick policy issuance

I had a positive overall experience while applying for Bike insurance from Reliance Insurance Company (now IndusInd Insurance Company). I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Vijay Maken

Gurgaon

Quick policy issuance

I recently purchased my Bike insurance and found the experience very smooth. It aligns well with what I needed from an insurance policy.

Manish Kumar Yadav

Gonda

Quick policy issuance

From start to finish, the process of getting my Bike insurance was convenient. The coverage provided matches my expectations and feels comprehensive. No complementary product was necessary for me at this stage. Overall, it was a seamless Reliance Insurance (now IndusInd Insurance) experience and I am satisfied.

Arun Jain

Faridabad

Quick policy issuance

I recently purchased my Bike insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. The convenience and clarity made this a good experience.

Sandip Chandrakant Mali

Dhule

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.

Jashobanta Parida

Dhenkanal

Quick policy issuance

The journey of purchasing Bike insurance felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy.

Subrata Kumarsahani

Cuttack

Quick policy issuance

Buying a Bike policy through the platform of Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.

Janet Joshikad

Coimbatore

Quick policy issuance

Buying a Bike policy through the platform was straightforward and quick. The plan offered exactly the type of coverage I was expecting.

Sathiamourthy Priya

Coimbatore

Seamless digital experience

The journey of purchasing Bike insurance felt effortless and user-friendly. The policy coverage and offerings do not match my requirements.

Hiren Kumar Raju Bhai Tailor

Bharuch

Quick policy issuance

I had a positive overall experience while applying for Bike insurance Reliance Insurance (now IndusInd Insurance). The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras.

Abhishek Neelakantachar

Bengaluru

Quick policy issuance

I recently purchased my Bike insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Guru Nathakooni

Bengaluru

Quick policy issuance

From start to finish, the process of getting my Bike insurance was convenient. It met my requirements well and felt tailored to my needs.

Aniket Rai

Bengaluru

Quick policy issuance

The journey of purchasing Bike insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.

Aneesh Krishnan Nair

Bengaluru

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance Insurance (now IndusInd Insurance) was convenient. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Madhava Rao Nagesh Rao

Bengaluru

Quick policy issuance

The journey of purchasing Bike insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Vinita Jain

Ahmedabad

Quick policy issuance

I recently purchased my Bike insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Rupesh Pandurang Khamgaonkar

THANE

Seamless digital experience

Getting my IndusInd two-wheeler insurance policy online was a breeze with a quick step-by-step guide to take me through the process.

Mr Javed Khan Maheboob Khan Pathan

NILANGA

Value for money

My bike is used only for nearby rides, so I wanted simple protection at a sensible price. The plan matched that without feeling costly.

Hemanth Kumar

MAGADI

Easy application

I wanted my RC and insurance papers together on my phone. After finishing the form, I downloaded the copy and saved it with my vehicle documents.

Manoj Kumar Modi

ANGUL

Seamless digital experience

I remembered the scooter renewal after dinner and finished it from home. The steps were short, and the document was ready without any delay.

Sanjaykumar Rajkumar Menase

AKKALKOT

Quick policy issuance

My two-wheeler insurance policy was issued instantly after payment completion.

Vikas Savlani

DAMOH

Easy application

Had a very smooth experience applying for the policy online.

Himanshu Kumar

CHANDI

Easy application

I was a little unsure while entering the registration number, but the steps were simple. I filled it carefully and got the insurance copy soon after.

Govindji Turam Suthar

MUMBAI

Quick policy issuance

I wanted all my bike papers updated before the month-end. I renewed online and downloaded the insurance copy right away.

Satinder Singh

GURGAON

Seamless digital experience

I usually delay insurance work because it feels boring, but this was not confusing. I followed the steps slowly and finished it myself.

Manoj Hirabhai Chudasama

BHAVNAGAR

Easy application

I compared options for my scooter and chose one that did not add things I would never use. The amount felt right for daily local travel.

Nagavenkata Basava Subbareddyped

TIRUMALAGIRI

Easy application

I renewed my two-wheeler insurance during a small break at work. Everything opened properly on my phone, and I did not need to call anyone.

Bonkanpally Raghupathi

NIZAMABAD

Value for money

My scooter is used mostly for quick nearby work, so I wanted the insurance done without much effort. The form was short, and I was able to complete it easily on my phone.

Deepa R

COIMBATORE SOUTH

Quick Policy Issuance

I had taken a second-hand scooter and wanted the insurance sorted properly. The steps were clear, and I could update the details without getting stuck.

S M Karunya Krishna

CHITTOOR

Quick Policy Issuance

I realised my bike insurance had expired while keeping my vehicle papers ready. I renewed it online and got the copy within minutes.

Shivappa Nayakar

BANGALORE NORTH

Quick Policy Issuance

I had to go out urgently and wanted to be sure my bike insurance was active. The message came soon after payment, which gave me peace of mind.

Vimala V

PUZHITHIVAKKAM

Seamless Digital Experience

Our scooter is used by everyone at home for small work nearby. I wanted the insurance active, and the online process was quick enough to finish from home.

Payal Priyadarshani Nath

HYDERABAD

Quick Policy Issuance

I remembered my bike insurance renewal while I was outside. I completed it on my phone and saved the document before riding back.

Murthy Lakshminarasimha Dasari

RAJENDRANAGAR

Seamless digital experience

I forgot about the renewal till the last day. I completed it in the evening and got the policy message quickly, so I could ride the next morning.

Kiran Tanguturi Kumar

PRODDATUR

Value for money

My bike is mainly for office and small errands. I didn't want a heavy premium, and the cover felt enough for my daily riding.

Ramesh Kumar Ramjas Shukla

MUMBAI

Quick policy issuance

I didn't have all my documents handy, but the form only required basic bike details, which made it easy to complete.

Diddi Ramesh

HYDERABAD

Easy application

I don't ride long distances, so I wanted a normal plan for city use. The price felt reasonable for the kind of protection I needed.

Comprehensive Bike Insurance

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Frequently Asked Questions (FAQs)

Is a 2-wheeler comprehensive insurance policy mandatory?

No, it’s fully optional; only third-party bike insurance coverage is mandatory. But a comprehensive policy will still ensure compliance with the law, as it offers third-party liability coverage. So, you can either buy a comprehensive policy or a third-party policy to ensure compliance, depending on how much coverage you need.

What is the difference between own damage and comprehensive insurance for bikes?

Own damage bike insurance covers only your bike from damage. Comprehensive bike insurance will cover your bike and third-party liabilities if your bike causes harm to another person or their property.

What's "full insurance" for a bike?

Full insurance is another term for comprehensive bike insurance.

How do I check the status of my renewed policy?

You can either log in to your account on our website and check your policy status or tap on “My Policy” on the IndusInd Insurance app.

Who should buy comprehensive bike insurance?

Comprehensive bike insurance is ideal for anyone who uses their bike every day, new bike owners, high-end/luxury bike owners, and anyone who wants comprehensive bike protection.

Can I change add-ons during renewal?

Yes, you can add or remove add-ons from your comprehensive bike insurance policy during renewals.

Can I switch my third-party policy to a comprehensive bike insurance policy?

Yes, you can always upgrade your third-party policy to comprehensive bike insurance during renewal.

Does comprehensive bike insurance cover all types of two-wheelers?

Yes, IndusInd comprehensive bike insurance covers all types of two-wheelers, including bikes, scooters, mopeds, and electric two-wheelers.

What is the validity of comprehensive bike insurance?

We offer 1-year comprehensive bike insurance plans and plans up to 5 years of coverage for new bike owners.

What happens to my NCB while renewing an expired comprehensive bike insurance policy?

If you let your policy lapse, your NCB will revert to zero. So, if you’re renewing an expired policy, your NCB will be zero.

Can I buy comprehensive bike insurance online without inspection?

For a brand-new policy, an inspection is generally required. This can be done digitally or in person. For example, with IndusInd General Insurance which can perform self-inspections on your phone using our mobile app.

What documents are required to buy or renew a comprehensive bike insurance policy?

You will only need your CKYC documents (Any government issued ID & address proof) and your PAN card to buy our comprehensive bike insurance policy.

Is comprehensive bike insurance worth it for an old bike?

This will depend on how old your bike is. If it’s older than 7 years, it may be cheaper to go with a third-party policy instead, since most add-on coverage may not be applicable to your bike.

How long does it take to process a bike insurance claim?

It can take 7 days or more (after document submission) to process and approve your bike insurance claim. You can always check your claim status on the IndusInd Insurance app.