Two Wheeler Insurance

Two Wheeler Insurance Policy
A Two Wheeler Insurance policy for your two-wheeler that keeps it secure against damage caused by natural and man-made calamities, including acts of terrorism. Avail of Own Damage, Personal Accident and Liability cover all in one policy. You need your two wheeler to be insured and the best way to do this is to purchase Motor Insurance. If you are wondering how to get motor insurance and which one is right for you, we're there to help you.

Key Benefits of Two Wheeler Insurance
  • Enjoy additional benefits of riding safe
  • Your No Claim Bonus (NCB) will be applicable for 1 or more claims as per the policy period


  • Renewing your policy online is a breeze
  • There will be no vehicular inspection conducted, even in the case of an expired policy


  • Secure yourself and your co-passengers
  • Get an inbuilt personal accident cover and keep your loved ones secure too with add-on co-passenger cover


  • Choose extra security for your two-wheeler
  • Opt for add-on cover to secure electrical and non-electrical accessories of your two-wheeler


  • Get a hassle-free long term policy
  • Get a single policy certificate that is valid for 3 years


  • Ride with a protective shield
  • Rely on our 2,150+ network garages across India for assistance in case of any glitches during your journey.


  • Choose convenience over hassles of renewal
  • The policy comes with tenure options of 1, 2 or 3 years. Opt for long term tenure and ride worry-free


When To Claim

Motor Insurance Claims

In Case of an Accident
  • Note the numbers of the other vehicle involved in the accident, if any
  • Try to note the names and contact details of witnesses, if any
  • Contact our 24x7 call centre and get your claim number / reference number
  • Call centre executive will give you the details of documents required for processing your claim and details of our preferred garage where the vehicle can be repaired
  • File an FIR in the nearest police station in case property damage, bodily injury, theft and major damages

After registering the claim
  • Our customer service manager will contact you within 24 hours of registering the claim
  • Submit the copy of documents to the dealer / CSM and get verified with the originals
  • Our CSM will get the estimate for the repairs of your vehicle and give spot approval after assessment
  • After completion of repair at our preferred garage we will make payment of our share of the loss directly to the garage
  • The insured to pay the excess mentioned in the policy and depreciation, salvage etc informed by the CSM

Documents Required
  • Claim form filled-in and signed
  • A copy of your Vehicles R.C. Book
  • A copy of the Driving License of the person driving at the time of accident

Additional documents required For Theft Claims
  • R.T.O. Paper duly signed from the local R.T.O. Office
  • N.O.C. from Finance Company in case the car is hypothecated
  • Letter of Indemnity & Subrogation from a Notary located near a Local Court

For Third Party Claims
  • M.A.C.T / Legal Notice which would be sent to you by the Third Party
  • Stamp required in case of a company- registered vehicle
  • Original documents to be produced for verification

REQUEST A CALL BACK

We are here to help you always

Need help? Call our award-winning support team at 040 6666666666


Frequently Asked Questions

To avail discounts on the basis of your age and occupation, you would need to submit Pan Card and employment or education certificate respectively.

Yes, you can replace your new vehicle in your existing insurance policy. Call the insurance company to make changes effective.

Yes, you can cancel the policy during its term, provided you submit documents to prove that your vehicle has been insured elsewhere or the registration certificate of your vehicle has been cancelled by the Regional Transport Office (RTO). Once the policy is cancelled, the insurer will refund the remaining amount, after deducting the premium for a period in which coverage has been given. The refund is possible only if there has been no claim during the policy tenure.

Although, as per law it is compulsory only to buy third party bike insurance it is strongly advised to purchase a comprehensive policy to protect your vehicle from both man-made and natural calamities. By buying the comprehensive cover, you can claim from your insurer for accidents or damages caused to the vehicle. Without comprehensive cover, the entire responsibility to pay the bill comes on your shoulder. Thus, by opting for a comprehensive insurance policy, you can get complete peace of mind that whatever happens to your vehicle, the insurer will share your financial burden.



Terms and Conditions apply. The values shown are for representation purposes only. Actuals may differ.

*Rs 20 lakh cancer cover at Rs 105 p.m. - This premium rate is for a 25 year old healthy non-smoker male for a term of 20 years, monthly premium payment frequency and without any additional benefits and is inclusive of all taxes. Crust Corporate Heart/Cancer Protect annual premium for ₹20 Lakhs Cancer Sum Assured is ₹1,180 inclusive of taxes.

#The critical illness benefit is an accelerated benefit and the death benefit will be reduced by the critical illness cover paid to the policyholder. To know more about the illnesses covered, please refer to the sales brochure. This is only available in Life & Health and All in One options.

+This benefit is only available under Life Plus & All-in-one options

1Tax benefits of Rs. 54,600(Rs. 46,800 u/s 80C & Rs. 7,800 u/s 80D) is calculated at highest tax slab rate of 31.20%(including cess excluding surcharge as per old tax regime)on life insurance premium u/s 80C of Rs. 1,50,000 and health premium u/s 80D of Rs. 25,000. Tax benefits subject to conditions under Section 80C, 80D,10(10D), 115BAC and other provisions of the Income Tax Act,1961. Good and Service tax and Cesses, if any will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above

What does car insurance cover

Loss or Damage to your vehicle against Natural Calamities

Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.


Loss or Damage to your vehicle against Man-made Calamities

Burglary, theft, riot, strike, malicious act, accident by external means, terrorism activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.


Personal Accident Cover

Coverage of up to Rs.2 Lakhs for the individual driver of the vehicle while travelling, mounting or dismounting from the car. Optional personal accident covers for co-passengers available.


Third Party Legal Liability

Protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property.

What is not covered in car insurance

  • Normal wear and tear and general ageing of the vehicle
  • Depreciation or any consequential loss
  • Mechanical/ electrical breakdown
  • Damage to tyres and tubes unless the vehicle is damaged at the same time, in which case the liability of the company shall be limited to 50% of the cost of replacement
  • Vehicles being used otherwise than in accordance with limitations as to use
  • Damage to/ by a person driving any vehicles or cars without a valid license
  • Damage to/ by a person driving the vehicle under the influence of drugs or liquor
  • Loss/ damage due to war, mutiny or nuclear risk

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