Bike insurance plans starting just at ₹19/month*
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Up to 80% Discount*
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AI-Assisted Claims via Self-i*
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11,000+ Network Garages*
Long Term Two-Wheeler Insurance
Would you like your life to be a little more efficient and streamlined? Want to reduce time you spend on repeated actions? Actions like renewing your two-wheeler insurance every year?
Then get yourself a Long Term Two Wheeler Insurance Policy.
With this plan, you can buy a policy for 2, 3 and 5 years and ensure that you’ve got protection for a long time.
Why 5 Crore+ Policyholders Trust Us?
IndusInd Bike Insurance is known for its reliable coverage, quick claim settlements and wide network of cashless garages. With flexible plans and add-on options, it ensures your two-wheeler stays protected on every ride.
24/7 Customer Assistance
Round-the-clock support available*
10+ Add-On Covers*
Protection that's tailored to your bike
Instant Policy Purchase*
Complete purchase in minutes
Quick Claim Processing
Claims settled within hours
Long Term Bike Insurance: Inclusions & Exclusions
What is Covered?
Accidental Damage - Damage due to road accidents and collisions.
Fire and fire-related damage - These can be due to explosion, lightning and self-ignition
Natural Disasters - Like frost, tempest, typhoon, earthquake, cyclone, landslide, rockslide, hailstorm, floods and inundation (if your bike is fully submerged)
Man-made Disasters - like riots & strikes, Terrorism and/or Malicious Acts.
Bike Theft - Total bike theft with no recovery of the stolen vehicle
Transit Damage - If you’re bike is damaged while it's being transported via Rail, Road, Air or elevator
What is not Covered?
Depreciation & Regular Use - Normal wear-and-tear of the vehicle. Plus, loss or damage due to depreciation of the vehicle's value.
Mechanical and electrical breakdowns - Bike damage due to these events is excluded.
Damage due to illegal activities - Like drunk driving, driving without a licence, using your private two-wheeler for commercial purposes, etc.
Consequential loss - if the original damage causes subsequent damage/loss, only the original damage will be covered
Damage to Tyres & Tubes - unless the bike is also damaged due to an accident. You’re covered for 50% of the cost of replacement.
Disclaimer: Kindly go through your policy wordings for a detailed list of inclusions and exclusions linked here
Ways to Save on Your Two-Wheeler Insurance Premium
No-Claim Bonus (NCB)
No. of Years | Discount |
|---|---|
One claim-free year | 20% |
Two consecutive claim-free years | 25% |
Three consecutive claim-free years | 35% |
Four consecutive claim-free years | 45% |
Five consecutive claim-free years | 50% |
Voluntary Deductible
It is a minimum amount that you choose to pay of the claim amount, while we pay the rest. The higher your Voluntary Deductible amount, the lower is your bike insurance premium. Thus, eventually discounting the two wheeler insurance premium.
Please refer to the below table for the calculation of the Voluntary Deductible discount: -
Voluntary Deductible | Discount |
|---|---|
| Premium starting at | Premium starting at |
| Premium starting at | Premium starting at |
| Premium starting at | Premium starting at |
| Premium starting at | Premium starting at |
| Premium starting at | Premium starting at |
Additional Discounts
Besides the attractive discounts offered by NCB, you can avail additional discounts on auto insurance in case:
Automobile Association Membership
You are a member of any recognised Automobile Association
Anti-Theft Device Installation
You have installed an anti-theft device in your two-wheeler
Zone A / Zone B Coverage
You have covered the vehicle for specific location usage
What is an Account Aggregator?
Account Aggregator (AA) is a Reserve Bank of India (RBI) regulated entity that securely collects and transfers customer data between a network of insurance companies, financial institutions and mutual funds. The purpose of transferring data is to make it easier for customers to quickly get various financial services and for institutions to process customer requests with their data being readily available. The data is shared safely through encryptions and digital signatures, thus protecting it from getting into unwanted hands. Not even Account Aggregators can read the customer data they collect. Most importantly, any data is shared only with the explicit consent of the customer.
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Disclaimer: This policy is only applicable for brand new two-wheeler models. *T&C apply. Discount is applicable on OD premium. Details mentioned here are for the product- Long Term Two Wheeler Package Policy & IndusInd Two Wheeler Package Policy – 5 years,UIN-IRDAN103RP0001V01201718. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
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