What is Electric Bike Insurance?

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

As more people turn towards eco-friendly and efficient transportation, electric bikes are quickly becoming a preferred choice by riders seeking sustainability and convenience. While you choose a bike to protect the environment, we offer electric bike insurance to protect your valuable choice.

At IndusInd General Insurance, we understand that electric bikes have unique needs. Thus, our EV bike insurance is designed to offer extensive protection, ensuring you can enjoy your ride without worries. IndusInd e-bike Insurance safeguards your beloved vehicle from accidents, breakdowns, fire, theft, personal accidents and more. Moreover, it covers high-value batteries, electric motors and battery chargers, ensuring your eco-friendly investment is safe.

Additionally, our extensive cashless repair network across the country means you can access hassle-free service whenever you need it. Embrace the future of mobility and join the sustainable revolution with peace of mind and security, supported by your #BikeKaYaar.

Electric bike insurance is a specially designed plan that safeguards e-bikes from losses and damages sustained during an accident. Since these bikes function differently than fuel-based bikes, their coverage needs also vary. Thus, our insurance for e-bikes is tailored to meet the unique needs of electric bike owners and provides extensive coverage from a wide range of perils. These include protection from accidental damage, damages caused by fire, theft, riots, strikes, natural calamities, etc.
damages caused to the EV battery by water ingression or moisture build-up, third-party liabilities, medical expenses arising out of injuries sustained by the owner-driver.

Why Should I Buy Electric Bike Insurance?

Financial Protection

Our electric bike insurance provides coverage against hefty expenses incurred due to theft, accidents or damage, ensuring you do not have to bear unexpected repair or replacement costs.

Legal Compliance

In India, every car and bike owner is legally required to have insurance for their vehicles according to the Motor Vehicle Act of 1988. Our plans ensure you meet legal obligations and avoid fines or penalties.

Comprehensive Coverage

Our comprehensive e-bike insurance offers extensive coverage against various risks, including fire, vandalism, and natural disasters, providing peace of mind in diverse situations. The coverage can be further enhanced with a wide range of available add-ons.

Peace of Mind

Enjoy the freedom and convenience of riding your electric bike without worrying about the financial implications of unforeseen events.

IndusInd General Electric Bike Insurance Plans

IndusInd General Insurance offers a variety of plans that offer different coverage options, suiting every customer’s needs. We understand the varying needs of our customers, thus, here are the types of e-bike insurance by IndusInd General Insurance:

Third-Party Two-Wheeler Insurance

Our third-party insurance provides financial coverage against third-party liabilities involving your insured EV bike. It covers losses incurred in the form of damages, bodily injuries, death or property damage.

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Own-Damage Two-Wheeler Insurance

Standalone Own Damage (SAOD) bike insurance protects your two-wheeler against accidental damage, theft, fire incidents, and natural calamities such as floods and storms. The policy helps reduce unexpected repair and replacement expenses during unforeseen situations. It can be purchased only if you already have a valid third-party insurance policy.

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Comprehensive Two-Wheeler Insurance

This policy offers comprehensive coverage, covering third-party liabilities along with own damages and a choice of add-ons. You can choose from flexible tenure options of 2, 3 or 5 years.

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Benefits and Features of IndusInd e General E-Bike Insurance

Coverage for Third-Party Liabilities

Our two-wheeler insurance plans offer coverage against third-party liabilities of up to ₹1 lakh if you cause injury or damage to third-party property while riding.

Quick Claims Process

With an easy-to-follow and efficient claim process, IndusInd General Insurance ensures that claims are settled swiftly and in a hassle-free manner. Additionally, the process is online and streamlined, giving you quicker compensation.

Flexible Policy Options

You can choose from various policies with varying durations, such as our long-term insurance plans. This allows you to customise your plan based on your coverage and budget needs.

Easy Online Renewal

Renew your electric motorbike insurance conveniently renew your policy online through a simple process, ensuring uninterrupted coverage for your electric bike.

No-Claim Bonus

For safe driving and not making claims on your electric motorcycle insurance, you can receive discounts in the form of a No-Claim Bonus (NCB) of up to 50% for five consecutive claim-free years.

Personal Accident Cover

We offer financial protection for the owner-driver of up to ₹15 lakhs to recover from injuries sustained in an accident.

Comprehensive Coverage

We offer protection against various kinds of perils, including accidents, theft, fire, natural calamities, etc., ensuring complete safety for your bike.

Roadside Assistance

With us, you benefit from 24/7 roadside assistance, which includes services like towing, battery jump-starts and other minor repairs. We ensure that you are not stranded in case of a breakdown.

Add-Ons for Enhanced Protection

We offer a wide range of 10+ add-ons that offer specific coverage for specific requirements. Our e-bike insurance features add-on covers that enhance protection for the most important and expensive bike parts.

Minimal Paperwork

We offer online buying, renewal and claim processes with minimal to zero paperwork, making them highly convenient and hassle-free.

Cashless Repairs

With a huge network of over 11,000+ garages spread across the country, we offer a seamless cashless repairs facility to speed up the claim process.

IndusInd General E-Bike Insurance - Inclusion & Exclusion

What is Covered?

Damages caused to your e-bike by

Damage to Battery Management System (BMS) or battery due to a power surge while charging

What is Not Covered?

Normal wear-and-tear

A vehicle used outside of its intended use.

Damage to/by a person driving without a valid driving licence

Loss or damage caused while riding under the influence of alcohol or any other intoxicating substance

Loss or damage to the accessories by theft, housebreaking or burglary, unless the bike is stolen during the same time

Loss or damage covered under the manufacturer’s warranty

Damages caused by manufacturing defects are known to the owner at the time of buying the policy.

Looking for Reliable Bike Coverage?

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Electric Bike Insurance Add-On Covers

We offer specified coverage for e-bikes through carefully designed add-on covers, which protect the costs of repairing and replacing crucial and expensive parts. These add-ons are available with our own-damage and comprehensive electric bike insurance policies: Following are the popular add-ons that enhance the coverage of your e-bikes:

Electric Vehicle Battery Protection Cover

This covers the cost of repairing or replacing the lithium-ion battery damaged by water intrusion, unexpected electric surge, explosion, etc.

Electric Vehicle Electric Motor Protect Cover

This add-on covers the costs of consequential damage to motor parts, differentials and transmission units.

Electric Vehicle Charger Cover

This covers the cost of repairing or replacing the charger and its components (adapter, charging unit and cables) due to various reasons.

Nil Depreciation

This cover ensures the full claim amount without the deductions due to the depreciation of bike parts, providing better financial protection.

Return-to-Invoice Cover

This policy ensures reimbursement of the full invoice price of your bike, including registration charges and road tax, in case of total loss or theft.

Helmet Cover

Reimburses replacement cost of damaged helmet in an accident involving your insured EV bike.

Roadside Assistance Cover

This cover offers 24/7 assistance for breakdowns, flat tyres, battery jump-starts and towing services, ensuring you're never left stranded.

Daily Allowance Benefit

This covers the cost of using an alternate mode of transport while your bike is undergoing repair at a network garage for more than 3 days.

EMI Protection

This add-on covers 3 EMIs on your insured EV bike if it has been repaired at our network garage for more than 30 days.

Emergency Medical Expenses

This add-on covers emergency medical expenses to treat injuries sustained by you or your pillion rider during an accident.

Additional Third-Party Damages Cover

This add-on provides additional financial coverage for third-party liabilities compared to the standard coverage received via our third-party bike insurance.

Additional Personal Accident Cover

This add-on gives extended financial coverage compared to standard financial coverage for medical expenses for the owner-driver.

How to Buy/Renew Electric Bike Insurance Online?

Buy Online

Step 1: Go to the IndusInd General Insurance website. Browse our products and click on “Two-Wheeler Insurance”.

Step 2: Enter your E-bike’s registration number and your mobile number to get started.

Step 3: Depending on the make and model of your bike, you will receive a quote.

Step 4: Choose the appropriate policy and EV-specific add-ons to ensure overall protection for your e-bike.

Step 5: Verify the details and complete the payment.

Renew Online

Step 1: Visit the IndusInd General Insurance website and navigate to the Two-Wheeler Insurance Renewal section to begin the renewal process.

Step 2: Provide the information about your two-wheeler, including the registration number, policy number, and expiry date.

Step 3: Submit your name, email address, and any necessary policy details, such as previous claim history and the No Claim Bonus (NCB) if applicable.

Step 4: Review the available renewal options and select the plan that best suits your needs. For extra coverage, add any desired add-ons.

Step 5: Please fill in all required details and proceed to make the payment. Once the payment is confirmed, your electric two-wheeler insurance policy will be renewed instantly.

Why Does Electric Bike Insurance Cost More?

Higher Repair Costs

E-bikes often have complex electrical components, such as batteries and motors, which can be expensive to repair or replace if damaged.

Specialised Parts

Parts used in e-bikes are unique, such as tyres and frames designed to sustain the weight of the motor and battery. These parts typically cost more than standard parts.

Higher Theft Risk

Due to their higher market value, e-bikes are more susceptible to theft. This increases the likelihood of claiming insurance for recovering the loss.

Advanced Technology

E-bikes often come with advanced technology and electronics that are costly to replace, contributing to higher insurance rates.

How to Raise an Electric Bike Insurance Claim?

Step 1: Notify us of your claim by calling +91 22 4890 3009 (paid line) or logging into the IndusInd Insurance app. Alternatively, the network garage can also register a claim on your behalf.
Step 2: Provide all necessary claim documents to the claims department. If your vehicle was stolen, you must also submit an FIR.
Step 3: Once the claim is registered, we will arrange for a surveyor to inspect your vehicle to assess the damage or loss.
Step 4: After the inspection and submission of all documents, our claims team will review and approve your claim.
Step 5: Once approved, your claim will be processed either as a cashless claim at a network garage or as a reimbursement, depending on your choice.

Documents for Electric Bike Insurance Claim at IndusInd General

Registration Certificate (RC)

Copy of your driving licence

Duly filled claim form

Copy of FIR (in case of theft)

Repair/replacement estimate from the garage

Policy documents

Repair bills and payment receipts

Forms 28, 29 and 30, signed by the insured

Copy of proof of identity (PAN card, Aadhar card, passport, etc.)

Address-proof

Factors Affecting Electric Bike Insurance Premium

Bike's Make and Model

The make and model of the electric bike directly impact the insurance premium. If the bike's battery capacity is higher, the premium rates also increase.

Coverage Level

Your coverage requirements determine your premium prices. For example, if you choose third-party EV bike insurance with lower coverage, your premium will also be lower than for a comprehensive plan.

Additional Features or Add-ons

Options like nil depreciation, roadside assistance and helmet cover enhance the coverage but also increase the premium.

Rider’s Profile

Factors such as age, riding experience, and previous claim history can influence insurance costs. A person with a poor claim and riding history is likely to incur a higher premium.

Location

Insurance premiums may vary depending on the location where the bike is primarily used. Urban areas often have higher rates. Additionally, if your location is risk-prone or disaster-prone, your premium will be higher.

Insured Declared Value (IDV)

IDV is the maximum sum amount you get when you claim your electric two-wheeler insurance in case of an accident. Thus, while higher IDV means higher coverage, it also means higher premiums.

Third-Party Electric Two Wheeler Insurance Insurance Premium Calculation

The IRDAI sets the premium prices for electric bike insurance based on your bike's battery capacity. Here are the current rates:

Battery Capacity	Rates (in ₹)
Not exceeding 3 KW	457
Exceeding 3 KW but not exceeding 7 KW	607
Exceeding 7 KW but not exceeding 16 KW	1,161
Exceeding 16 KW	2,383

How to Reduce Electronic Bike Insurance Premium?

Choose a Higher Voluntary Deductible

Opting for a higher voluntary deductible lowers your premium, as you agree to pay more out-of-pocket in case of a claim.

Install Safety Features

Installing anti-theft devices or security systems to your bike can reduce the risk of theft, which in turn reduces your premium.

Maintain a Clean Driving Record

Avoiding accidents and traffic rule violations is an indicator of being a responsible driver. This can reduce your insurance premium prices as you are a low-risk driver.

No-Claim Bonus

Another benefit of driving safely and not claiming your insurance for E-bikes is the accumulation of a no-claim bonus. Depending on the number of claim-free years, you can get up to a 50% discount on the premium prices.

Become a Member of the AAI

Members of the Automobile Association of India (AAI) get discounts on their e-bike insurance premiums.

Opt for Long-Term Insurance Plan

To avoid the hassle of renewing and experiencing stable premium prices, opt for our long-term EV bike insurance plan. This plan offers flexible tenures for enhanced protection.

Traditional Bike Insurance Vs Electric Bike Insurance

Parameters	Traditional Bike Insurance	EV Bike Insurance
Coverage	Traditional insurance plans offer coverage that covers most perils. However, it does not offer protection for EV parts.	This insurance is specifically designed to cover EV bikes and their parts. It gives you coverage for battery damage and motor and charger protection.
Premium Costs	Since the components of a petrol-fueled bike are less expensive, the premium prices are lower than those for e-bike insurance.	These bikes use the latest and most advanced technology, which requires more repairs. Thus, the premium prices are higher.
Specific Add-ons	You do not need specific add-ons to protect your bike. The add-ons for these vehicles are designed to enhance coverage.	To secure coverage for the most important parts of the e-bike, you must opt for the EV-specific add-ons.
Discounts	You can take advantage of our general discounts, such as the NCB or online purchase discounts.	You get special discounts when choosing an e-bike. The government offers these to promote sustainability.

Tips to Choose the Best Insurance for Electric Bikes

If you are in the process of choosing the best e-bike insurance, these are the factors to look for:

Ensure that the insurer offers a broad range of coverage options to enhance protection against more perils. Especially for EV bikes, verify whether the insurer provides coverage for battery, motor and other important parts of the vehicle.

The best insurance for electric bikes must provide a variety of plans with a varied scope of coverage. Thus, it suits every coverage and budget need at all times.

Ensure that the insurer provides add-on features that cover the unique needs of EV bike owners. IndusInd General offers add-ons like Battery Protection Cover, Electric Motor Protect Cover, Charger Cover, Roadside Assistance for breakdowns, etc., to ensure adequate coverage.

The insurer must have a wide network of garages across the country to offer the cashless claims facility seamlessly. We have tie-ups with over 11,000+ cashless garages to provide easy accessibility and quick service.

With extensive features, premium prices should also be affordable so they do not add any burden. Our EV bike insurance premiums start at just ₹18/month, making our plans cost-effective.

Authors - Model 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.

Bike insurance starting at just ₹18 per month*

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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.

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Frequently Asked Questions (FAQs)

What happens if I don't renew my insurance on time?

If you don't renew on time, you lose insurance coverage and face legal penalties. You also lose your accumulated No Claim Bonus discount and may need a fresh inspection for renewal.

What documents do I need to file an insurance claim for an electric bike?

You need a registration certificate, a driving license, a duly filled claim form, policy documents, repair estimates from the garage, and identity proof, such as an Aadhaar card. For theft cases, you also need an FIR copy. Additionally, submit repair bills and payment receipts.

What insurance do I need for an electric bike?

You need at least third-party insurance, which is legally required in India for all vehicles. However, comprehensive insurance is recommended since it covers both third-party liability and your own bike damage. This protects expensive e-bike components like the battery, motor and charging system, which cost thousands to replace.

Is it mandatory to insure an electric bike in India?

Yes, having insurance for your electric bike is mandatory under the Motor Vehicle Act of 1988 in India. You must have at least third-party insurance to ride legally on roads. Without proper insurance, you can face fines of up to ₹2,000* and up to ₹4,000* and even imprisonment for repeat violations.

Is roadside assistance available for electric bikes?

Yes, our roadside assistance covers 24/7 emergency services, including towing, battery jump-start, flat tyre assistance and minor repairs to help you during breakdowns or emergencies on the road.