Bike Insurance in Pune

As a thriving IT and industrial hub, Pune witnesses a massive influx of two-wheelers on its roads every day. From college students and tech professionals to delivery riders and daily commuters, bikes are a preferred mode of transport across the city. With such high traffic density, having bike insurance in Pune is not just a smart choice—it’s a legal necessity and a vital safety net. It protects you from financial losses due to accidents, theft, natural disasters, or third-party liabilities.

Whether you're weaving through the bustling lanes of FC Road, cruising down JM Road, or heading to your office in Hinjewadi, the risks on the road remain constant. That’s why IndusInd General Insurance offers tailored bike insurance solutions for Pune riders. Our policies range from basic third-party coverage to comprehensive plans with add-ons like zero depreciation and engine protection.

We make the process seamless with quick online services to buy or renew your bike insurance in Pune. You can get insured in minutes, access cashless repairs at thousands of garages, and enjoy benefits like No Claim Bonus and 24x7 claim support. Ride confidently through Pune’s dynamic streets with reliable coverage from IndusInd General Insurance.

Why Should You Buy Bike Insurance in Pune?

Easy Digital Access

Buy bike insurance in Pune easily from home using our seamless online platform. Whether you're in Kothrud, Wakad, or anywhere in the city, securing 2-wheeler coverage is just a few clicks away—fast, reliable, and tailored to your needs.

Cost-Effective Premiums

Get affordable two-wheeler insurance in Pune with competitive rates and exclusive discounts for safe riders and long-term plans. Our transparent pricing ensures maximum value, so you ride protected without overspending.

Extensive Network

Get the most out of your two-wheeler insurance in Pune with access to our wide network of authorized garages. From Hadapsar to Aundh, enjoy smooth, hassle-free bike repairs at trusted partner workshops—convenient service wherever you ride.

Quick Claim Settlement

We know how important it is to get back on Pune’s roads quickly. That’s why our expert claims team ensures fast, hassle-free processing with minimal paperwork so you can resume your ride with confidence and peace of mind.

24/7 Customer Support

With 24/7 support, help is always within reach whether it’s a late-night breakdown on the Pune-Mumbai highway or an early morning issue during your commute. Our team ensures quick, reliable assistance whenever and wherever you need it.

Additional Coverage Options

Boost your two-wheeler insurance in Pune with smart add-ons like zero depreciation and personal accident cover. These extras are designed to suit Pune’s traffic conditions, giving you enhanced protection and peace of mind on every ride.

Why Choose Us?

Why 8 Crore+ Policyholders Choose Us?

IndusInd Bike Insurance offers reliable two-wheeler protection tailored for Pune's high-traffic roads. With features like cashless repairs, quick claims and wide network coverage, it ensures smooth rides across the city.

Location - Bike Insurance

Up to 5 Years Coverage

Get long and short term coverage

11,000+ Garages

Cashless repairs nationwide

Access to Video Claims

File claims on the go using your phone

24/7 Breakdown Help

Quick roadside assistance

Types of Bike Insurance in Pune

Comprehensive Bike Insurance

In a city like Pune, where bike owners face everything from pothole-heavy roads to frequent waterlogging during monsoons, a comprehensive plan is the smartest choice. It offers all-round protection, covering accidental damage to your own vehicle, third-party damages, as well as risks from natural disasters, fire, and theft. So, if your bike is damaged while skimming through bumper-to-bumper traffic, this policy has you covered.

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Short Term Own Damage Bike Insurance

This policy is ideal for vehicle owners who already have an active third-party insurance plan for a limited duration and need protection only against vehicle damage. For instance, if your third-party cover is valid for the next six months, you can opt for a Short-Term Own Damage (SAOD) policy for the same duration to ensure your vehicle remains financially protected.
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Third-Party Bike Insurance

Third-party insurance is legally required under the Motor Vehicles Act, 1988, and in Pune’s chaotic traffic, it’s more than just a legal formality. Whether it’s a minor collision with another vehicle in a packed lane or a mishap involving a parked vehicle, third-party cover protects you from legal and financial liabilities caused due to injuries or damage to others. While it doesn't cover repairs to your own bike, it ensures you're compliant with the law and shielded from third-party claims.

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Long Term Own Damage Bike Insurance

This policy safeguards your vehicle against damages caused by accidents, theft, floods, storms, and other covered events. It provides own-damage protection that can be aligned with either an annual or long-term third-party policy. For example, if your third-party policy is valid for one year, you can choose a one-year SAOD plan alongside it.
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Inclusions & Exclusions

Bike Insurance in Pune : Inclusions and Exclusions

Location - bike - Insurance

What is covered?

Accidents & Collisions: Covers repair and medical costs if your bike meets with an accident on Mumbai’s busy roads, including damages caused to others or their property.

Third-Party Damages: Provides financial coverage for repairs if your bike causes damage to someone else’s vehicle or property in congested areas.

Natural & Man-made Disasters: Be it flooding during Mumbai monsoons or events like strikes during citywide protests, your bike is protected against such damages.

Rodent Damage: In case of rat bites or stray animal attacks, internal or external bike damage is covered.

Theft Coverage: If your bike is stolen from your apartment lot or a crowded railway station, you’ll be compensated for the loss based on the bike’s Insured Declared Value.

Location - Bike Insurance

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 and Outside Coverage Zone: You're fully covered for accident-related claims except for ones arising out of law violations or damage occurring to your bike outside of India's borders.

Disclaimer: Please check the official policy documents for detailed information about inclusions and exclusions under your plan.

Need bike insurance? Just call us, we’ll sort it out in minutes!

One quick call could save you big on bike repairs

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Bike Insurance Add-Ons for Pune Riders

Our bike insurance add-ons protect against depreciation deductions, engine repairs, and so much more to offer comprehensive scooter protection for your bike. So if you find that you need extra protection or just want to minimise your out-of-pocket expenses, our add-ons are the way to go.

Consumables Expenses

When you choose bike insurance in Pune, this essential add-on covers all consumable costs like engine oil, brake fluid and lubricants after accidents. It ensures you don't pay extra for these necessary replacements during repairs at authorised garages.

Additional Third-Party Property Damage Cover

Enhance your online two-wheeler insurance in Pune with extra protection against third-party property damage. This add-on provides higher coverage limits than standard policies, crucial in Pune's crowded streets where property damage risks are significant.

Additional Personal Accident Cover

This bike insurance add-on extends beyond basic personal accident coverage, offering higher compensation for accidental death or disability. It's designed to provide extra financial security for you and your family during unfortunate incidents.

Emergency Medical Expenses

This cover reimburses medical expenses, including ambulance costs, regardless of which hospital you choose in Pune. It applies whether the accident occurs while riding, getting on, or off your bike.

Return-to-Invoice Cover

This add-on makes sure you get the full billing value of your bike if it is stolen or badly broken. This protects your entire investment.

Depreciation Allowance

Also known as zero depreciation cover, this add-on prevents deductions due to depreciation during claims. It's especially valuable for new bikes, ensuring full reimbursement for replaced parts without any value reduction.

How to Buy

How to Buy and Renew Bike Insurance in Pune?

Location - Bike Insurance

Buy Online

Go to the top of this page and enter your two wheeler details. For an instant quote.

Select your bike make/model and enter your registration details.

Add your mobile number and the OTP. Next, select your policy and the bike's IDV.

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

Pay online and complete the CKYC with your PAN details to receive your policy.

Location - Bike Insurance

Renew Online

Go to the form on top of this page and select the “Renewal” tab. You can also tap "InstaRenew" on our IndusInd Insurance app.

Add your brand, model, registration year and number.

Review and update your bike details and check insurance renewal quotes.

If you're adding add-ons, you can use the calculator below to check the overall price.

Complete your payment using multiple methods and receive your policy instantly.

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How to Claim

Bike Insurance Claim Process in Pune

Location - Bike Insurance

Buy Online

Go to the top of this page and enter your two wheeler details. For an instant quote.

Select your bike make/model and enter your registration details.

Add your mobile number and the OTP. Next, select your policy and the bike's IDV.

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

Pay online and complete the CKYC with your PAN details to receive your policy.

Location - Bike Insurance

Renew Online

Go to the form on top of this page and select the “Renewal” tab. You can also tap "InstaRenew" on our IndusInd Insurance app.

Add your brand, model, registration year and number.

Review and update your bike details and check insurance renewal quotes.

If you're adding add-ons, you can use the calculator below to check the overall price.

Complete your payment using multiple methods and receive your policy instantly.

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

Key Takeaways

With over 9.27 million registered two-wheelers in Pune as of March 2025 (Maharashtra Transport Department), bikes are truly the lifeline of the city. Whether you're navigating traffic in Hinjewadi or squeezing into tight spots near FC Road, riding in Pune brings its own daily challenges. That’s why IndusInd Bike Insurance (formerly Reliance Bike Insurance) is designed to support Pune riders at every turn.

Our plans offer access to 11,000+ cashless garages, including a wide network across Pune, so help is always nearby. We know Pune’s monsoons can wreak havoc on bike parts, which is why our garages are equipped to fix rain-related issues like engine damage using genuine parts only.

With the IndusInd Insurance app, filing claims or finding the nearest garage is fast and easy. Enjoy 24x7 support, quick document uploads, and instant claim tracking, all from your phone. Whether it’s your daily commute or weekend ride, IndusInd Bike Insurance ensures you’re never left stranded. We cover more than just your bike—we support your journey, every day and every ride.

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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 ₹19 per month*!

Ride Stress-Free Across Pune!

From the busy FC road to Kharadi's heavy trafficed lanes, our bike insurance plans offer cashless repairs at 11,000+ garages and monsoon-ready service, so your ride never hits a roadblock in Pune.

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Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

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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)

How can I buy bike insurance near me?

To get a bike insurance plan from the comfort of your home, download the IndusInd Insurance app and create a new account with your phone number. Then, navigate to bike insurance and choose 'InstaBuy'. You can check the premium estimate there by entering your bike's registration number and coverage requirement. Finally, pay online to receive a policy copy via email.

What should I do if I lose my bike insurance?

If you lose the digital copy of your bike insurance from your device, you can download another copy by logging into your account on the IndusInd Insurance app. Also, you can contact the insurer to request that they send a duplicate copy of your two-wheeler insurance plan.

Is there a limit on the number of claims?

While there is no cap on the total number of claims you can submit annually, the total claim amount must stay within the bike's coverage limit. To prevent issues, it is advisable to review the policy documents carefully.

What is the fine for 2-wheeler insurance in Pune?

Having third-party liability insurance is legally compulsory for all car and bike owners in Pune. If the police catch you without valid insurance, it can lead to a penalty of ₹2,000 for the first offence. For similar violations, you will be fined ₹4,000 from the second time and may be imprisoned for up to 3 months.

What is PA in my bike insurance plan?

PA means ‘Personal Accident’ cover. The cover provides a sum insured of ₹15 lakh in case of an accident involving the rider or bike owner. The insured bike’s owner/their dependent receives this coverage amount if the rider is disabled or dies because of an accident.