Long Term Bike Insurance

Keeping your bike insured is important, but renewing your policy every year can be tiring. You might forget the renewal date, miss out on coverage or face higher premiums each time. That's where long-term two-wheeler insurance comes in.

At IndusInd General Insurance (formerly Reliance General Insurance), we offer long-term bike insurance plans that protect your vehicle for 2, 3 or 5 years at once. This means you pay once and stay covered for years without worrying about renewals.

Our long-term plans give you full protection against accidents, theft and third-party damages. And, you save money and enjoy fixed premium rates throughout the policy period. It's a smart and simple way to keep your bike protected while you focus on the ride ahead.

What is Long-Term Bike Insurance?

Long-term bike insurance is a policy that covers your two-wheeler for 2, 3 or 5 years instead of just one year. With this plan, you don't need to renew your insurance annually. You pay the premium once at the start, and your bike stays protected for the entire policy period.

This long-term two-wheeler insurance saves you from the hassle of repeated renewals and protects you from premium increases. It covers damages to your bike, third-party liabilities, and personal accidents, giving you complete protection for years.

Why US

Why 8 Crore+ Policyholders Trust Us?

IndusInd General Insurance (formerly Reliance General Insurance) offers reliable and affordable long-term two-wheeler insurance policy designed for your convenience. Our 24/7 customer service, extensive coverage, and fast claim resolution are always available. With our extensive network and trusted service, your bike stays protected for years without any hassle or worry.

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

Key Features of Long-Term Two-Wheeler Insurance

Own Damage Cover

This feature protects your bike from damage caused by accidents, fire, theft, natural disasters, and riots. If your bike gets damaged, we cover the repair or replacement costs. Your vehicle stays protected against unexpected events throughout the policy period, giving you complete financial security.

Third-Party Liability Cover

This is a mandatory cover that protects you if your bike causes injury or death to someone else, or damages their property. We handle the legal and financial responsibilities. You stay protected from third-party claims up to Rs. 1 lakh for property damage.

Personal Accident Cover

Our long-term two-wheeler insurance policy includes personal accident cover of Rs. 15 lakh for the owner-driver. This benefit pays compensation in case of accidental death, permanent disability, or serious injury. You and your family get financial support when you need it most during difficult times.

Benefits of IndusInd Long-Term Two-Wheeler Insurance

Forget about remembering renewal dates every year. With long-term coverage, you buy the policy once and stay protected for 2, 3 or 5 years. This saves your time and keeps your bike continuously insured without any gaps in coverage.

Premium rates often increase each year, but with long-term two-wheeler insurance, you lock in today's rates. You pay a fixed premium at the start, so future price increases don't affect you. This keeps your insurance costs predictable and affordable.

If you do not make any claims, you earn No Claim Bonus that can go up to 50% on renewal. With long-term policies, you can build and protect your NCB over multiple years. This gives you bigger savings when you renew.

Renewing your policy each year often requires vehicle inspection, especially for older bikes. Long-term insurance removes this repeated hassle. Because there are no inspection requirements, you are able to have your policy issued in a short amount of time, which makes the procedure easy and simple.

Long-term policies come with special discounts. You get 7.5% discount on 2-year plans and 13% discount on 3-year plans. Plus, you save on transaction costs since you only pay once. Overall, it's more economical than annual policies.

Types of IndusInd Long-Term Bike Insurance Plans

Third-Party

This plan covers only your legal liability towards third parties. If your bike causes injury, death, or property damage to someone else, this policy protects you financially. It's a basic, mandatory coverage required by law. However, it doesn't cover damage to your own bike. This plan is suitable if you want minimum coverage at an affordable price.

Comprehensive

This is a complete protection plan that covers both your bike and third-party liabilities. It protects against accidents, theft, fire, natural disasters, and damage to your vehicle. You also get personal accident cover and third-party liability coverage. Our long-term two-wheeler insurance comprehensive plan gives you total protection with maximum protection for years.

What's Covered Under IndusInd Long-Term Bike Insurance?

What is Covered?

Accident Damage: Your bike is covered if it gets damaged in an accident. We pay for repairs or replacement of damaged parts.

Fire Loss: If your bike is damaged or destroyed by fire, explosion, or self-ignition, we cover the loss and repair costs completely.

Theft Protection: If your bike is stolen, we compensate you for the loss. You get the insured declared value after proper police verification.

Natural Disasters: Damages caused by floods, earthquakes, storms, cyclones, landslides, or other natural calamities are fully covered under this long-term two-wheeler insurance.

Riot Damage: If your bike gets damaged during riots, strikes, malicious acts, or terrorist activities, we cover all the repair and replacement costs.

What is not Covered?

Normal Wear: Regular wear and tear, ageing, or depreciation of your bike is not covered. Routine maintenance costs are also excluded from coverage.

Mechanical Breakdown: Electrical or mechanical failures, engine problems, or breakdowns due to manufacturing defects are not covered under this policy at all.

Drunk Driving: Any damage you cause while riding under the influence of alcohol/drugs is not covered. You must always ride responsibly.

Invalid License: Accidents happening when the bike is driven by someone without a driving license are completely excluded from policy coverage.

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

Add-on Covers Available for IndusInd Long-Term Bike Insurance

Zero Depreciation Cover

This cover makes sure you get the full claim amount without any depreciation deduction on replaced parts. Your repair costs are fully reimbursed without any cuts, making your long-term two-wheeler insurance more comprehensive and valuable for complete protection.

Engine Protector Cover

This protects your bike’s engine from water damage and oil leakage. If water enters the engine or oil leaks cause damage, we cover all repair costs, including consumables used in engine repairs, completely.

Consumables Cover

This covers the complete cost of consumables like engine oil, nuts, bolts, screws, brake oil, and lubricants used during repairs. These items are usually not covered, but this add-on pays for them fully.

Hospital Cash Cover

If you get injured in an accident, we pay you a daily cash allowance for each day of hospitalisation. This helps cover all your medical expenses and lost income during the recovery period.

EMI Protection Cover

If your bike stays in the garage for repairs for more than 21 days, we pay your EMI installments. This ensures your loan payments continue without a financial burden on you.

Helmet Cover

This covers the cost of replacing your damaged or destroyed helmet after an accident. Your helmet’s safety is important, so we protect it too under this special add-on benefit.

Long Term vs Short Term Bike Insurance

Feature	1-Year Policy	Long Term (3/5 Years)
Renewal Frequency	Every year	Once in 3-5 years
Premium Hikes	Affected annually	Protected
NCB Benefit	Annual accumulation	Continuous for tenure
Vehicle Inspection	Required if expired	Not required
Convenience	Moderate	High
Overall Cost	Higher	Lower
Break in Coverage Risk	Higher	Lower
Policy Lapse Risk	Moderate	Very Low

Who Should Buy Long-Term Bike Insurance?

New Bike Owners

If you just bought a new bike, long-term insurance is perfect for you. You get continuous protection without worrying about renewals. You also save money with discounted rates and avoid future premium increases for years.

Busy Professionals

If you have a busy work schedule, remembering yearly renewals can be difficult. Long-term two-wheeler insurance saves you time. You only have to pay once to be covered for years, and you won't have to deal with any paperwork or renewing notices.

Budget-Conscious Riders

If you want to save money on two-wheeler insurance, long-term plans are great. As a multi-year policyholder, you are eligible for exceptional savings. You also avoid annual price hikes. Overall, you pay less compared to buying yearly policies repeatedly.

Frequent Travellers

If you travel often for work or personal reasons, managing yearly renewals becomes tough. Long-term coverage keeps your bike protected continuously. You don’t need to worry about policy expiry while you’re away from home for extended periods.

NCB Protectors

If you’re a safe rider who doesn’t make claims, long-term insurance helps you build a bigger No Claim Bonus. You can protect and grow your NCB over multiple years. This gives you maximum discounts on future renewals.

How to Buy Long-Term Bike Insurance Online?

Visit Website and Enter Details

Visit the IndusInd General Insurance website, click on the two-wheeler insurance section, and select the long-term bike insurance option.

Select Policy Duration

Fill in your bike's registration number, make, model, and year of purchase for accurate premium calculation instantly by our system.

Get Premium Quote

Select 2-year, 3-year or 5-year coverage, pick a third-party or comprehensive plan and add any extra add-on covers you need for protection.

Fill Form and Submit

Check your premium quote and coverage details, choose a payment method and pay securely using a card, net banking or UPI options.

Pay and Download

Your long-term two-wheeler insurance policy is issued immediately, download from email and save a copy on your phone always.

Factors Affecting Long-Term Bike Insurance Premium

Bike Age and Condition

The age of your bike plays a big role in deciding your premium. Newer bikes get lower rates because they need fewer repairs. Older bikes cost more to insure as they have a higher risk of breakdowns. The overall condition of your bike also matters when we calculate your premium.

Engine Capacity

Insurance premiums are higher for larger motorcycles. This is because high cubic capacity means more power and speed. Powerful bikes have higher repair costs when damaged. They also face more accident risks on the road. That's why insurance for bigger engine bikes is more expensive than for smaller ones.

Insured Declared Value

IDV is your bike's current market value after considering depreciation. When your IDV is higher, you pay a higher premium. As your bike gets older, the IDV automatically goes down. We calculate this value using the manufacturer's listed price and then reduce it based on your bike's age for fair pricing.

Geographic Location

Where you live has a direct impact on your insurance cost. Cities with heavy traffic and more accidents have higher premiums. Areas with high theft rates also cost more to insure. On the other hand, rural areas with less traffic get lower rates. Even where you regularly park your bike affects the final premium amount.

Add-on Covers Selected

Every add-on cover you choose adds to your total premium. More add-ons mean better protection for your bike, but they cost extra money. It's smart to select only the add-ons you actually need for your situation. This way, your long-term two-wheeler insurance policy stays affordable while still giving you the protection you want.

Claim History and NCB

Your past claim history has a direct effect on what you pay. If you haven't made any claims, you earn a No Claim Bonus discount. This bonus reduces your premium amount significantly every year. The more claim-free years you have, the bigger discount you get. Riding safely without accidents helps you save a lot of money on your insurance costs.

How to File an IndusInd Long-Term Bike Insurance Claim?

Cashless Claim Process

Call our helpline at 022 4890 3009 immediately after the accident happens to register your claim with us quickly.

Take your damaged bike to any of our 11,000+ authorised network garages available across India for a cashless repair facility.

Provide your policy copy, driving license, registration certificate, and FIR copy, if needed, to the garage for claim processing.

Our surveyor will inspect your bike, assess the damage, and approve the repair work at the authorised garage location.

The garage repairs your bike as per the approved estimate, we settle bills directly with them, and you collect your repaired bike.

Reimbursement Claim Process

Call our helpline at 022 4890 3009 right after the accident to register your long-term two-wheeler insurance claim with us.

Take your bike to any garage of your choice for repairs, get the damage assessed, and start the repair work.

Pay the full repair charges to the garage yourself, collect all original bills, invoices, and payment receipts for reimbursement claims.

Submit your claim form, policy copy, bills, driving license, RC copy, and other required documents to our nearest office.

After document verification and approval, we transfer the claim amount directly to your registered bank account within a few days.

Key Takeaways

Protecting your bike is essential, but remembering annual renewals can be stressful and costly. That's where a long-term two-wheeler package policy becomes your smart solution.

IndusInd General Insurance (formerly Reliance General Insurance) offers coverage for 2, 3 or 5 years with just one payment. You avoid yearly renewals, lock in today's premium rates, and save up to 13% on multi-year plans. Your bike stays continuously protected against accidents, theft, fire, and third-party damages without any coverage gaps.

Our key benefits include access to 11,000+ cashless garages nationwide, 24/7 customer support, zero depreciation options, and quick claim settlement through our IndusInd Insurance app. You also build your No Claim Bonus over multiple years for bigger future savings.

Get complete protection today! Buy your long-term two-wheeler package policy online at IndusInd General Insurance starting at just ₹19/month.

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Voices of Trust

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Total Average Rating

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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.

Relevant Links for Two Wheeler Insurance

Bike Insurance

Third Party Bike Insurance

Scooter Insurance

Electric Bike Insurance

Bike Insurance Claim

Own Damage Bike Insurance

Bike Insurance - Disclaimer

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Frequently Asked Questions (FAQs)

Can I buy bike insurance for 5 years?

Yes, you can buy long-term two-wheeler insurance online at IndusInd General Insurance! We offer multi-year two-wheeler insurance policies for 2, 3 or years. These long-term policies give you continuous protection without the hassle of yearly renewals and help you save money with special discounts.

How is the IDV for long-term two-wheeler insurance calculated?

IDV means Insured Declared Value. It is your bike's current market value. We calculate it using the manufacturer's selling price minus depreciation based on your bike's age. For new bikes, depreciation is 5%. For older bikes, it increases. IDV is fixed separately for each policy year.

How can I lower my premium?

You can lower your premium by choosing higher voluntary deductibles, installing anti-theft devices, and maintaining claim-free years for an NCB discount. Opt for long-term policies to get 7.5% to 13% discount. Avoid unnecessary add-ons and compare plans before buying to get the best rates always.

Can I use my bike after 20 years?

Yes, you can use your bike after 20 years if it is properly maintained. However, you need valid insurance, registration and a pollution certificate. For bikes older than 15 years, you must renew registration every 5 years. It's important to keep old bikes in good shape and check their safety regularly.

Is it mandatory to pay a bike insurance premium every year?

With regular annual policies, yes, you must pay a premium every year. But with long-term two-wheeler insurance from IndusInd General Insurance, you pay once at the start. Then you stay covered for 2, 3 or 5 years without any yearly payments. This saves time and protects from price increases.

Which is better, 3rd party or comprehensive bike insurance?

Comprehensive insurance is better because it covers everything. It protects your bike, covers third-party liabilities and includes personal accident cover. Third-party only covers legal liability to others, not your bike damages. It costs more, but complete safety always keeps you safe.