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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 (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 (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.
Get full value of your bike without any deductibles, in case of repair or loss.
Covers expenses for the backseat rider in case of an accident or death.
Offers round-the-clock support in case of a breakdown with no garage in sight.
Enjoy your cumulative no claim bonus (NCB) even if you make a claim.
Pays the price of getting a new key if you misplace the original.
In case of repair, pays for consumables such as oil, lubricants, nuts, and bolts.
Get paid for the invoice value in case of repairs or loss.
Get options to select best bike insurance from the top insurance companies.
Get maximum coverage for your bike or scooter.
Customise your two-wheeler insurance policy with a wide range of add-on covers.
Get your bike insurance policy copy in just 4 simple steps.
Let’s be honest—most of us have, at some point, ignored that little notification reminding us to renew our bike insurance. Life gets busy. Birthdays, bills, and binge-worthy shows keep us distracted. But when it comes to your two-wheeler insurance, that tiny delay can cost you big—both financially and legally.
Electric bikes are gaining traction in India, with many making an eco-conscious decision. The e-bike segment is expected to make up one-fifth of the two-wheeler market in India by 2026. Electric bikes are sleek, cost-effective, efficient and an ideal choice for urban riders. Like conventional scooters, e-bikes are also prone to various potential risks such as natural damage, theft, and accidents. Hence, it is important to have a comprehensive electric bike insurance policy to safeguard against the financial loss or damage that may arise. Let us explore in detail the electric bike insurance, its scope of coverage, and the factors to consider before buying.
Renewing your bike insurance policy online in India offers convenience and efficiency. However, it's essential to be vigilant during the renewal process to avoid common mistakes that could lead to inadequate coverage or financial losses. Here are key mistakes to avoid when renewing your bike insurance online:
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.
There’s nothing quite like cruising through the streets on your bike—wind in your hair, open roads, the thrill of freedom. But before you hit the throttle, there’s one essential pit stop: securing the right Bike Insurance Policy. At Jio Insurance Broking, we get it—that road ahead may be unpredictable, but understanding the factors behind your premium can help you ride with confidence and cost-efficiency.
Why Claim Settlement Ratio Matters? Imagine you've just experienced a mishap. Your heart races, and the last thing you want is a drawn-out claim battle. That's where Claim Settlement Ratio (CSR) comes in—a reassuring measure of how many claims an insurer successfully settles. A high CSR signals trust, speed, and customer satisfaction.
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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.
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.
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.
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.
Jio Insurance Broking Limited
IRDAI License No: 347,
Direct Broker (Life & General),
Valid upto: 11/03/2028
(Renewable)
U67200MH2006PLC165651
1st Floor, Building - 4NA, Maker Maxity, Bandra Kurla Complex, Bandra East, Mumbai, Maharashtra - 400051
Discount is offered by the insurance company as approved by IRDAI for the product under file & use guidelines.
Insurance is a subject matter of the solicitation. For more details on policy terms, conditions, exclusions, limitations, please refer/read policy brochure carefully before concluding sale.
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