Two-Wheeler Insurance Renewal

There are three main types of bike insurance you can choose from. Third-party insurance covers damages you cause to others and their property - this type is required by law. Comprehensive insurance protects both you and others, covering your bike's damage, too. Long-term insurance lets you buy coverage for multiple years at once, saving you money.

You must renew your bike insurance before it expires to avoid breaking the law. Riding without valid insurance can get you in legal trouble and leave you unprotected financially. Plan to renew at least a few days before your current policy ends to ensure you have continuous coverage without any gaps.

Yes, renewing your bike insurance online is quick and easy. Simply enter your policy number and engine number on our website. The system will pull up your details and help you complete the renewal process. You can pay online and get your new policy documents right away.

Contact us immediately after any accident or damage, no matter what time it happens. Call our helpline at +91 22 48903009 or use the IndusInd Self-i-App to report your claim. You can also register claims through our website by downloading and filling out the claim form available online.

No-Claim Bonus is a discount you earn by not making any claims on your policy. If you don't claim anything for a full year, you get 20% off your next premium. This discount grows each claim-free year, reaching 25%, then 35%, 45% and finally 50% after five years of safe riding.

Cashless claims mean you don't pay the garage directly—we handle the payment for repairs at our network garages. Non-cashless claims happen when you choose a garage outside our network. You pay the repair costs first, and then we reimburse you after you submit the original bills and receipts to us.

You don't need to submit physical documents when buying bike insurance online. Just keep your registration certificate handy and provide basic details like your bike's registration number, engine number, chassis number and manufacturing date. You'll also need to share your contact information and previous policy details if you have any.

Your premium depends on several things you can and cannot control. Your bike's make, model and age matter, along with where you live and your age. The type of coverage you choose and your bike's current market value also affect the cost. Your riding history and claims record play a role, too.

The cost varies based on your specific situation and needs. Factors like your bike's value, the coverage type you select, your location and personal details all influence the final price. Online policies often cost less than offline ones because of lower processing costs and direct sales without middlemen.

Yes, installing approved anti-theft devices can reduce your premium costs. The device must be certified by the Automotive Research Association of India to qualify for discounts. These devices lower the risk of theft, so insurance companies reward you with lower premiums for taking this safety step.

Choose comprehensive insurance when your bike is financed through a loan. Banks and financial institutions typically require full coverage to protect their investment in your vehicle. Comprehensive insurance covers both third-party damages and your own bike's repairs, giving complete protection until you finish paying off the loan.