Buy comprehensive bike insurance online in minutes
Buy comprehensive bike insurance online and save up to 80%*
In 2026, the Indian two-wheeler market will reach a new peak with high-performance superbikes, long-range electric scooters, and advanced commuter bikes filling the roads. With this growth comes an increased risk of accidents, theft, and expensive repairs. While the law mandates a basic cover, smart riders in India are choosing a more holistic shield: Comprehensive Bike Insurance.
Standard policies cover others; a comprehensive policy covers YOU. This section defines the most inclusive form of protection available for your two-wheeler. Comprehensive bike insurance is an all-inclusive policy that combines the mandatory third-party liability cover with own-damage (OD) protection. Unlike basic plans, it acts as a financial safety net for your own vehicle against a wide array of risks, including accidents, theft, fire, and natural disasters. It is the ultimate "peace of mind" plan for any bike owner in India.
In the unpredictable traffic, relying on just the legal minimum is a financial gamble. Here is why upgrading is essential.
This policy is designed to offer more than just a piece of paper for the traffic police; it provides tangible rewards for the policyholder.
What makes this policy stand out? Its versatility and extensive reach across different risk categories.
To get the most out of your policy, you must understand the fine print of its inclusions and exclusions.
Choosing the right plan depends on your bike's age, your budget, and the level of risk you are willing to take.
| Feature | Third-Party Insurance | Standalone Own-Damage | Comprehensive Insurance |
|---|---|---|---|
Legal Status | Mandatory by Law | Optional | Optional but Recommended |
Covers Third-Party | Yes | No | Yes |
Covers Your Bike | No | Yes | Yes |
Covers Theft/Fire | No | Yes | Yes |
Add-on Availability | No | Yes | Yes |
Premium | Lowest | Medium | Higher |
While every rider benefits, this policy is practically mandatory for certain categories of bike owners.
The digital transformation of 2026 allows you to secure your ride in under 5 minutes.
Think of NCB as a "Good Driver" discount that compounds every year you don't make a claim. NCB is a reward for safe riding. It starts at 20% after the first claim-free year and can go up to 50% after five consecutive years without a claim. Crucially, the NCB belongs to the rider, not the bike—meaning you can transfer this discount when you buy a new vehicle or switch insurers.
In the event of a mishap, knowing the steps can speed up your recovery and reduce stress.
At Jio Insurance Broking, we don't just sell you a policy; we stand by you throughout the claim process. Our dedicated 24/7 support team helps you navigate documentation and ensures a smooth interaction with the surveyor for the fastest possible settlement.
Your premium is not a random number; it's a calculation of the total risk your bike represents. The premium is primarily based on the Own Damage (OD) premium (calculated on IDV and age) + Third-party premium (fixed by IRDAI based on engine CC) + Personal Accident Cover.
Understanding these factors can help you adjust your coverage to fit your budget.
Add-ons let you plug holes in a standard policy for specialised protection.
We simplify the complex. With Jio Insurance Broking, you get access to:
No. Only third-party liability insurance is mandatory under the Motor Vehicles Act. However, comprehensive insurance is highly recommended for full protection.
Yes, it covers scooters, motorcycles, mopeds, and electric two-wheelers.
The main factors are the bike's age, make/model, engine CC, location (city), and the chosen IDV.
It includes coverage for third-party liabilities, accidental damage, theft, fire, and natural/man-made disasters.
Typically, a policy is valid for 1 year, but many insurers now offer multi-year (2- or 3-year) plans for convenience.
Comprehensive insurance includes third-party cover, whereas Standalone Own-Damage only covers your own bike and requires you to have a separate third-party policy.
You can retain your NCB if you renew within the 120-day grace period (as per the latest 2025/2026 rules). If you miss this window, the NCB resets to zero.
Yes, in case of a total loss (damage exceeding 75% of IDV) or theft, the insurer pays the full Insured Declared Value (IDV).
Anyone with a new bike, a high-value superbike, or someone who rides frequently in busy urban areas should opt for it.
Yes, "Full Insurance" is a common term riders use to refer to a comprehensive policy.
If you renew before your policy expires, no inspection is needed. However, if the policy has lapsed for a significant time, the insurer may require a digital or physical inspection.
You generally only need your previous policy details and the bike's Registration Certificate (RC) number.
You can check it via your insurer's app, the mParivahan app, or the IIB (Insurance Information Bureau) portal.
Risks include legal penalties (fines), loss of your No Claim Bonus, and the financial burden of paying for any damages that occur while uninsured.
Yes, the policy can be transferred to the new owner, but the NCB stays with the original owner.
Only if the damage is a direct result of an accident, for damage due to water ingress or oil leaks, do you need an Engine Protect add-on.
Standard policies usually exclude non-electrical accessories. You can cover them by paying an extra premium for an Accessories Cover add-on.
A higher IDV means a higher sum insured, which increases the Own Damage portion of your premium.
Yes, choosing a higher voluntary deductible reduces the insurer's risk, which in turn lowers your premium.
The insurer's surveyor assesses the damage, and the bike is repaired at a garage. If it's a network garage, the claim is settled cashlessly.
Minor claims can be settled in a few hours via digital survey. Major repairs usually take 7 to 10 working days, depending on the availability of parts.
For minor accidental damage to your own bike, an FIR is usually not required. However, it is mandatory for theft, fire, or accidents involving third-party injury/death.
The surveyor acts as an independent expert who inspects the vehicle damage, verifies the cause, and approves the final repair estimate for the insurer.
You can purchase it online through an aggregator like Jio Insurance Broking by entering your bike details, selecting your plan, and paying online.
A deductible is the portion of the claim amount that you agree to pay yourself. It includes a "Compulsory" amount (fixed by IRDAI) and an optional "Voluntary" amount.
Jio Insurance Broking Limited
IRDAI License No: 347,
Direct Broker (Life & General),
Valid upto: 11/03/2028
(Renewable)
(9.30 AM - 6.30 PM, Monday to Friday)
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.
© 2026 Jio Insurance Broking Ltd. All rights reserved.
Jio Insurance Broking Limited
IRDAI License No: 347,
Direct Broker (Life & General),
Valid upto: 11/03/2028
(Renewable)
(9.30 AM - 6.30 PM, Monday to Friday)
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.
Disclaimer: *Savings result from comparing the highest and lowest premiums for own damage coverage (excluding add-ons) offered by various insurers for the same vehicle, with identical IDV and NCB.
Copyright © 2026 Jio Insurance Broking Ltd.
