Bike Insurance
Buy comprehensive bike insurance online in minutes
Buy bike insurance online and save up to 80%*.
Brand-new bike?
Buy bike insurance and save up to 80%*
Popular online bike insurance plans
Choose the insurance policy you need
Choose between the 3 major types of bike insurance policies in India. Purchase by coverage type, your vehicle usage, and cost.
Comprehensive
Comprehensive bike insurance protects against theft, damages, third-party liabilities, and natural calamities. It offers complete coverage, including Own Damage (OD) and Third-Party Liability (TP).
Third-party liability
Third-party liability (TP) is the most basic type of bike insurance and required by law. It covers damages to other vehicles and persons, and legal liabilities arising from accidents involving the insured bike, including compensation for injuries, death, and property damage.
Own damage
Own damage (OD) bike insurance covers expensive repairs and replacements of your bike caused by accidents, theft, or fire. However, it does not include third-party liabilities.
Customise your policy with add-ons
Enhance your policy and reduce financial liability further with smart add-ons.
Zero depreciation
Get full value of your bike without any deductibles, in case of repair or loss.
PA cover for pillion rider
Covers expenses for the backseat rider in case of an accident or death.
Breakdown assistance
Offers round-the-clock support in case of a breakdown with no garage in sight.
No claim bonus protection
Enjoy your cumulative no claim bonus (NCB) even if you make a claim.
Lost key replacement
Pays the price of getting a new key if you misplace the original.
Consumables cover
In case of repair, pays for consumables such as oil, lubricants, nuts, and bolts.
Return-to-invoice cover
Get paid for the invoice value in case of repairs or loss.
Why do you need bike insurance?
Why insure with us?
Depend on the Jio Insurance brand and our simple insurance plans for worry-free coverages.
Choose from the best
Get options to select best bike insurance from the top insurance companies.
Maximum Insured Declared Value
Get maximum coverage for your bike or scooter.
Add-ons
Customise your two-wheeler insurance policy with a wide range of add-on covers.
Instant policy issuance
Get your bike insurance policy copy in just 4 simple steps.
Claims made simple
Raising an insurance claim is easy now. Know how.
Education
Dos and Don’ts before buying a Bike Insurance policy
Opting for a bike insurance policy isn’t just a legal requirement but a smart way to protect yourself from unexpected financial burdens. However, with so many insurers offering excellent plans, choosing the right policy can feel overwhelming, especially if you are buying insurance for the first time. It all comes down to questioning whether you should opt for third-party liability or go for comprehensive coverage, whether add-ons are worth it, or whether they are just an extra expense. Your choices when buying a bike insurance policy can have major impacts. Hence, it is important to be informed. Let’s walk you through the key dos and don’ts to help you ensure you get the best coverage for your needs.
What are the terms used in bike insurance?
Did the policy document feel like a puzzle when browsing through bike insurance plans? Navigating this maze of terms and conditions can be overwhelming, especially for a newbie. Not everyone is familiar with the jargon or the fine print, and that's okay! Your bike insurance policy has different sections that state various terms and conditions. The insurance executive will likely explain these to you. However, you must do your research as well. While purchasing bike insurance, ask your insurance provider about everything you need help understanding. It helps you make informed and quick decisions in times of need. To prepare your insurance, here is an explanation of some of the most common and essential 2 wheeler insurance terms you must know about. So, continue reading to learn more. Note: The Motor Vehicle Act of 1988 makes it compulsory for all two-wheelers to have a minimum third party bike insurance plan in India. You need to know that a third-party cover offers coverage only to the third-party person or property you cause damage to. Your own vehicle does not receive any coverage.
Why is it Mandatory to Buy a Bike Insurance Policy in India?
Having a bike in India is not just about having a medium of transportation. It is much more than that. It surely offers convenience and saves time and effort, but it is also a dream come true for many people. Rahul, a 30-year-old Delhite, was able to buy his dream bike after saving for 2 years. Only a few days had passed, when one day, Rahul was enjoying a relaxing ride on his bike when things went bad. A speeding car collided with his bike. Though Rahul was safe, his beloved bike was badly damaged. Thankfully, with his two-wheeler insurance policy, Rahul was quickly able to cover the repair costs and save his dream bike, which otherwise would have been financially crippling.
Understanding Bike Insurance Deductible
Owning the bike of your dreams comes with a lot of excitement. However, you must not forget that driving a bike in India requires you to have a two-wheeler insurance policy. Choosing a bike insurance policy becomes simple when you understand all its clauses. Let’s talk about bike insurance deductibles, as they play an important part in your financial planning, as well. Before we get into the details, know that a deductible is the amount you are supposed to pay while settling claims under a bike insurance policy. These deductibles affect how you can claim benefits, so you must understand them clearly.
A Step-by-Step Guide to Claiming Zero Depreciation Bike Insurance
For a lot of individuals, having a bike does not simply mean having a vehicle. Instead, for some, it's their dream, and for some, it's their pride. However, taking the responsibility of your bike is equally important as owning one. To ensure that you are following traffic rules, bike owners may invest in standard third-party liability insurance. However, that does not give any security against its protection against damages or unwanted accidents. It is only through a comprehensive policy that you can get coverage of the repair costs that are to be borne in case of an accident. However, did you know that even with comprehensive coverage, the depreciation cost is not included in a claim? This loss is to be borne by you, the bike owner. Worried? Well, don’t be! Zero depreciation bike insurance is the solution for you.
Top Benefits of Bike Insurance Renewal Online
Manpreet knew his bike insurance was going to expire soon, and he knew it would take him just 5 minutes on his Jio Insurance Broking app to renew the policy. However, day after day, he just couldn’t prioritise this task. As luck would have it, his policy expired on monday at midnight. Wednesday, while rushing to the office, he jumped a red light and was stopped by a traffic policeman. When asked for his license and insurance, Manpreet realised he was in trouble. His carelessness cost him not just a significant fine but also embarrassment. Sounds scary, right? Well, it is. By missing your chance of timely bike insurance renewal, you not only go against legal standards but also expose yourself to big expenses like accident repairs, medical bills, and much more. By renewing your bike insurance on time, you offer yourself a safety cushion with financial backing in such situations. In addition to that, there are several other benefits of bike insurance renewal. Stay tuned as we explore some of them.
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“The online quote system was simple to use with clear options. The additional options are well laid out and explained on the website, so I knew exactly what I could buy and compare to what I want. Hence renewed my two-wheeler policy online without any trouble. Excellent website”
Chirag Lukka
IT Manager
I renewed my health and motor policy on icicilombard.com and it was a seamless experience. On my previous policy, I had registered a claim last month and I was pleasantly surprised with the claim settlement process. It was extremely hassle free and quick.
Abhishek Gupta
Program Manager
Extremely happy. Very satisfied with your express settlement of claims. My experience with you is unique as compared with others. I wish your company a very bright and prosperous future. Thank You!
Amit Khandewal
Product Manager
“Buying car insurance has never been so easy. It just took me 5 minutes to buy the policy. Very easy and quick. Will recommend it to everyone.”
Dr. Rupa Jha
Operations Manager
“The multiple options from various Insurers under one roof was helpful and gave me the confidence that I am opting for the right product as required. Excellent support provided by your advisor.”
Kunal Sharma
Security Manager
“Renewing my Car insurance from Jio Insurance Broking was a great experience. Overall experience was really good and I was able to complete my transaction in just 5 minutes. I recommend everyone to buy from Jio Insurance Broking Limited.”
Jamnadas Bhalani
Development Manager
“Buying ICICI Lombard car insurance from Jio Insurance Broking is great. It just took me 5 minutes to buy a policy online. Very easy and user friendly. Will recommend it to everyone.”
Vikas Priydarshai
Blockchain Developer
“The team handled my renewal query and process very smoothly. They also convinced me to go for a personal cover policy which I am happy to opt for. They are a good asset to the team.”
Kunal Chavda
IoT Specialist
“Extremely happy. Very satisfied with your express settlement of claims. My experience with you is unique as compared with others. I wish your company a very bright and prosperous future. THANKS ICICI LOMBARD”
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Artificial Intelligence Engineer
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Frequently asked questions (FAQs)
What is the meaning of zero depreciation bike insurance?
What is the meaning of zero depreciation bike insurance?
Zero Depreciation Cover is an addition to your current policy. Over time, the bike loses some of its value. The depreciation rate is what causes the decreased market value. A brand-new bike loses 5–10% of its value the instance it leaves the showroom because the next buyer will be purchasing a used bike. Therefore, even if you choose comprehensive insurance coverage, the claim money you will receive if your bike is stolen or completely destroyed will be based on the depreciated value of the bike's components. For instance, you would receive the latter if the depreciated worth of your Rs. 90,000 bike is Rs. 60,000. However, you will receive Rs. 90,000 if you have Zero Depreciation Cover.
How does the emergency assistance program work under bike insurance?
How does the emergency assistance program work under bike insurance?
You receive round-the-clock help to minimize any technical or mechanical breakdown problems if you choose Emergency Assistance Cover. This extra advantage includes on-site basic repairs, flat tires, battery jump starts, tank filling, lost key help, duplicate key issues, and even towing fees up to 100 kilometers from your registered home. In some situations, if the policyholder needs somewhere to stay while the bike is being repaired, the insurer will additionally cover the costs of lodging.
How do I get a copy of my bike insurance policy online? Will the printout of the soft copy serve as the original document?
How do I get a copy of my bike insurance policy online? Will the printout of the soft copy serve as the original document?
Visit the insurance company's official website. Enter your policy number and any other necessary information after choosing the appropriate policy type from the list of insurance policies. Download and print the policy paper once you have it. Get in touch with your insurance company if you can't discover the policy number. The Digilocker or mParivahan mobile app-stored digital copies of documents, including a driver's licence and a bike's registration, insurance, and more, are accepted legally, according to the Ministry of Road Transport and Highways. Original documents are no longer required, only photocopies.
What are the documents required to buy bike insurance online?
What are the documents required to buy bike insurance online?
Documents needed to purchase bike insurance online include proof of identity (driver's licence, passport, Aadhar card, PAN card, government-issued ID card), proof of address (bank or post office passbook, government-issued address proof), recent passport-size photo, a valid driver's licence, bike registration certificate, and information for net banking, credit cards, debit cards, and UPI/wallets.
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Jio Insurance Broking Limited
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