Bike Insurance in Mumbai

Mumbai’s bumper-to-bumper traffic and uneven roads can lead to minor accidents that damage plastic or rubber components. This cover ensures you get the full claim value for such parts, without any depreciation deductions.

Heavy rains and flash flooding are common in Mumbai, especially during monsoons. This puts your bike’s engine at serious risk. With this add-on, you can cover repairs to your bike’s engine caused by water, oil leaks or hydro lock.

Daily riding can wear down your bike quickly, even a minor accident can lead to the need for items like engine oil, brake fluid, nuts and bolts. This add-on covers the cost of these essential consumables during repair. 

Your bike keys can easily get lost or damaged in busy Mumbai areas. In these cases, this add-on pays to repair or replace lost or broken keys. We also cover the cost of replacing lock sets.

We cover the cost of repairs and replacements for accidental damage to your bike’s tyres and tubes, such as bulges, bursts, cuts or tears. This includes wheel alignment and balancing, as well as consumable expenses.

Keep your No Claim Bonus at renewal even after you file a bike insurance claim. 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.

Covers the cost of replacing your helmet with the same type and model if it gets damaged or destroyed in an accident involving your insured bike. This ensures your safety gear is always up to standard and is a useful add-on since helmet replacements can be expensive.

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 cover a great addition to your bike insurance policy.

The EMI protection add-on is ideal when scooter repairs or replacements take more than 30 days. With this bike insurance add-on, 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.

If your bike or scooter is under repair for over 2 days in an authorised garage due to accidental damage, this add-on pays you a fixed daily amount of up to ₹5,000/day to cover your travel costs. For example, you could use this amount to cover your daily commutes to work.

If your bike or scooter is under repair for over 2 days in an authorised garage due to accidental damage, this add-on pays you a fixed daily amount of up to ₹5,000/day to cover your travel costs. For example, you could use this amount to cover your daily commutes to work.

Offers 24/7 assistance if your bike breaks down, has a flat tyre, runs out of fuel or gets locked in a remote location with no garages nearby. Covers towing, on-site repairs, fuel delivery and more, so help is always there when you need it.

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

If you choose a voluntary deductible (an amount you agree to pay from each claim before we cover the rest), your premium is reduced. But remember, for every claim (even if your bike is a total loss), you have to pay this amount first before your insurance coverage kicks in.

It helps cover the cost of repairs or replacement of your EV bike's battery if it is damaged by events such as power surges, water entering the engine, or accidents. This can be a useful add-on in Mumbai since the battery is the most expensive part of an EV bike.

The Electric Vehicle Electric Motor Cover provides financial support for repairs or replacement of the electric motor, differential or transmission units of your EV bike in case they get damaged due to water getting into the electric motor or oil leakage.

If your electric bike's charger and its parts, like cables and adapters, get damaged by things like fire, flooding, power surges or accidents, the electric vehicle charger add-on covers the expenses for the repairs or replacement of the charging unit.