Comprehensive bike protection starting at ₹306*
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Up to 80% Discount*
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Quick Claim Settlement
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11,000+ Network Garages
Comprehensive Bike Insurance
Comprehensive bike insurance covers damage caused to your bike due to accidents, fire, natural calamities and theft. It also provides third-party liability coverage if your bike accidentally causes harm to another person or their property, taking care of any unexpected financial costs.
This policy type also ensures compliance under the Motor Vehicles Act, 1988, by bundling third-party bike insurance with own-damage coverage under a single plan. And if you buy from us, you can extend this coverage by choosing any of the 15+ add-on covers we offer.
At IndusInd General Insurance (previously known as Reliance General Insurance), you get comprehensive bike insurance starting at ₹19/month*. We offer instant claims and renewals through our IndusInd Insurance app, along with 24/7 customer support. By combining bike insurance protection with a seamless digital experience, we help you protect your bike with confidence.
What is Comprehensive Bike Insurance?
A comprehensive bike insurance policy is an all-in-one plan that protects your bike from own damage (damage to your bike) and third-party liability (damage your bike causes to others). So, if your bike is damaged in an accident and also damages another person’s vehicle, this plan covers your bike’s repair costs and any legal liabilities arising from the accident.
With comprehensive bike insurance, you can also opt for add-on covers such as nil depreciation, engine protection, etc., to extend insurance coverage. This policy type is recommended for new bike owners, daily users, owners of high-end/luxury bikes, and anyone looking for complete bike protection.
Why Do You Need Comprehensive Bike Insurance?
Accidental Damage & Theft Protection
A comprehensive bike insurance plan protects your bike from any damage caused by an accident or event out of your control. For example, you’ll receive financial compensation if your bike is damaged in a road accident, natural disasters like floods or earthquakes, impact damage during man-made calamities like riots or strikes, or by fires or fire-related damage.
You are also offered compensation if your bike is stolen and cannot be recovered. In these cases, we pay out the IDV amount of your bike.
Third-Party Liability Coverage
Third-party liabilities, or damage your bike causes to another vehicle, person, or their property, will be covered by a comprehensive bike insurance policy. This means that if you accidentally damage someone’s car in a collision, your policy will pay compensation for their repairs in your place.
It will also cover any legal liabilities arising from accidents or events involving another party, as well as any medical costs resulting from injury to another person in a collision or accident.
Single Premium Convenience & NCB
A comprehensive policy combines third-party liability and own-damage coverage under one plan, simplifying premium payment. So, rather than buying 2 separate plans, you only need to pay for and keep track of one policy.
Moreover, the availability of a No Claim Bonus (NCB) discount makes policyholders who haven’t filed any claims in the previous year eligible for a discount on their renewal premiums. Starting at 20% for the first claim-free year, you can get up to a 50% off* for 5 consecutive claim-free years.
Add-Ons Optionality
You get the option to opt for add-ons under a comprehensive motorcycle insurance policy. These are extra covers you can buy with your policy at purchase or renewal for an additional fee to enhance your base plan’s coverage.
For example, our most popular add-on, nil depreciation, ensures you get the full claim amount for repairs without us subtracting depreciation costs. Other recommended bike add-ons, such as engine protection, roadside assistance, personal accident cover and helmet cover, offer similar coverage enhancements.
Choose us as your insurer and benefit from value-added services, like a fully digital buying, renewal, and claims process. Plus, with 24/7 roadside assistance and customer support, help is always available, no matter where you are. You can also fully customise your comprehensive bike insurance policy with 15+ add-ons* to truly make it work for you based on how you use your bike.
Up to 80% Online Discount*
When you buy or renew digitally
AI-Assisted Claims on Mobile*
Fast, transparent and reliable claims
24/7 Breakdown Assistance
Dedicated & expert assistance
11,000+ Network Garages*
Highest network across India
Top Features of Comprehensive Bike Insurance
Our best-in-class comprehensive bike insurance policy is made for the modern bike owner! With us, you get 100% digital processes, affordable premiums, yearly discounts that stack, specialised add-ons for EV two-wheelers, cashless repairs, and more. Here are some standout features you get under our two-wheeler comprehensive insurance:
Key Features | Description |
|---|---|
Premiums | Starting from ₹19/day* |
Coverage | Own Damage + Third-Party Liability (Both Available Separately or Bundled) |
Premium Discounts | Up to 80%** |
NCB Discounts | Up to 50%** |
Personal Accident (PA) Cover | Up to ₹15 lakhs + Can be Extended to Cover the Passenger (Available as an Optional Cover) |
Add-Ons | 15+ Add-ons with 3 EV Add-Ons* |
Cashless Repairs | Available at 11,000+ network garages |
Buy/Renew Online | 100% digital process + IDV customisation |
Quick Claims Survey | In-person claims survey within 24 hours for guided claims assistance |
24/7 Customer Support | Expert assistance and WhatsApp support are available around the clock |
Inclusions and Exclusions of IndusInd Bike Insurance
What is Covered?
Accidents and Collisions: Repair and part replacement costs for your bike resulting from an accident are covered.
Third-party Damages: You are covered for expenses in case your bike causes damage to someone or their property.
Natural and Man-made Disasters: Damages resulting from natural disasters such as floods, earthquakes, cyclones, landslides, as well as man-made disasters or acts of terrorism.
Animal/Rodent Damage: Any animal-induced damage, like a rat bite or wild animal attack, that causes internal or external damage to your bike or scooter.
Theft and Fire: Offers compensation if your bike or scooter, or its parts, are stolen. Also covers if your bike or scooter catches fire, while parked or in motion, or is damaged by an explosion.
What is Not Covered?
Wear & Tear and Depreciation: We cover all repair costs, except those arising from wear and tear and the natural degradation of parts that occur with regular use.
Accessories: You're fully covered for factory-fitted accessories under the base plan. However, any electrical and non-electrical accessories fitted to your bike after purchase require add-on coverage.
Law Violations: You're fully covered for accident-related claims except for ones arising out of law violations or illegal activity involving your bike.
Outside Coverage Zone: You get pan-India coverage, but if you want coverage outside Indian borders, you'll need the geo-extension add-on.
Disclaimer: Kindly go through your policy wordings for a detailed list of inclusions and exclusions linked here
Need Help Choosing a Comprehensive Bike Insurance Plan?
Talk to Our Expert Advisors
Add-ons Offered Under a Comprehensive Bike Insurance Policy
Your IndusInd comprehensive bike insurance will cover nearly any damage your bike sustains, but in some cases, a base policy may not be enough. This is where getting add-on covers can help. They offer extra coverage for specific bike parts or for specific scenarios, to help you fill in gaps in coverage. Here’s the list of 15+ add-ons we offer to policyholders –
Zero Depreciation
Money Saver
Also known as bumper-to-bumper insurance, you’re covered for the total cost of your bike’s parts without deducting the depreciation value. So, when you file a claim, you won't need to pay depreciation costs, and you get full coverage for the part.
Engine Protector Cover
Extra Bike Protection
We cover your bike engine’s repair and replacement in case of damage. So, everything from the engine’s parts to the gearbox/transmission is covered if they’re damaged in an accident, if water enters the engine causing hydrostatic lock, or if oil leaks from the engine.
Helmet Cover
Extra Bike Protection
Helmets can also get damaged during accidents, and replacing them can be expensive. That's why we cover the cost of replacing your helmet with the same type and model if it gets damaged or destroyed in an accident. This ensures your safety gear is always up to standard.
Key Protect Cover
Extended Protection
Designed to help you out if you lose your two-wheeler’s keys or they get stolen. The key replacement add-on covers the cost of obtaining new keys and installing new locks on the insured bike, including labour charges.
Tyre Protector
Extra Bike Protection
You’re covered for accidental damage to your bike’s tyres and tubes. Accidental damage here can include bulges, bursts, cuts or tears to your bike’s tyres. We help cover the cost of repairs and replacements, including wheel alignment and balancing, as well as the expense of consumables.
NCB Retention Cover
Money Saver
Keep your accumulated No Claim Bonus discount at renewal even after you file a bike insurance claim. With this add-on, you can file up to one claim per policy year*, provided your bike insurance claim amount is less than 25% of your bike’s insured declared value.
Consumables Expenses
Money Saver
Covers the cost of consumables, such as engine oil, water, brake fluid, nuts and bolts, chain lubricant, coolant and more, which are often exhausted or replaced during repairs. These are also not covered under the base policy and can add-up increasing your overall repair bill.
Return to Invoice (RTI)
Money Saver
Get your bike’s original invoice price if your bike is stolen and not found or is declared a total loss after a major accident. We will also refund one-time registration charges, road tax and insurance costs, making this add-on cover a great addition to anyone’s policy.
EMI Protection
Money Saver
Kicks in when your bike repairs or replacements take more than 30 days at the garage. In other words, if the repair period exceeds 30 days, we will pay up to 3 EMIs to your bank on your behalf, providing you with extra financial security.
Daily Allowance Benefit Plus
Money Saver
If your bike or scooter is under repair for over 2 days in an authorised garage due to accidental damage, we pay you a fixed daily amount of up to ₹5,000/day to cover your travel costs. For example, you could use this amount to cover your daily commutes to work.
Rim Protector
Extra Bike Protection
Designed to help when your bike's wheel rims are accidentally damaged, making them unfit for use. We pay for the repair and replacement of damaged rim(s), wheel alignment and balancing, labour charges, and the cost of consumables.
Bike Assistance Cover
Extra Bike Protection
We offer 24/7 assistance if your bike suffers a breakdown, has a flat tyre, needs fuel delivery, or if you get locked out in a remote location with no garages nearby. This add-on will cover towing, on-site repairs, fuel delivery and more, so help is always there when you need it.
Hospital Cash Cover
Money Saver
You get a daily payout if you are hospitalised for over 24 hours due to injuries from an accident. Coverage kicks in when your hospital stay lasts more than 7 days, and you will receive an additional amount for recovery.
Voluntary Deductible Cover
Money Saver
A voluntary deductible is an amount you agree to pay for each claim before we cover the rest. When you opt for this, your premium is reduced. You need to pay this amount first for every claim before your insurance coverage kicks in, even if your bike is a total loss.
E-Bike Battery Protect
EV Bike Protection
We cover the cost of repairs or replacement of your EV bike's battery if it is damaged by events such as accidents, power surges, or water entering the battery. A useful add-on since the battery is the most expensive part of an EV bike.
Electric Motor Protect
EV Bike Protection
We provide financial support for the repair or replacement of the electric motor, differential, or transmission units of your EV bike if they are damaged due to water entering the electric motor or due to oil leakage.
Electric Bike Charger
EV Bike Protection
If your electric bike's charger and its parts, like cables and adapters, are damaged by fire, flooding, power surges, or accidents, we cover the cost of repairs or replacement of the wall-mounted charging unit.
Comprehensive Vs Third-Party Bike Insurance
Here's a brief overview of our comprehensive and third-party bike insurance plans, designed to provide you with an understanding of the coverage offered under each plan, allowing you to choose the one that best suits your needs.
Bike Coverage Offered | Comprehensive | Own Damage | Third Party |
|---|---|---|---|
Third-Party Liability |
| ||
Damage To Your Bike | |||
Personal Accident PA (Cover) | |||
Mandatory by Law? | |||
Add-On Availability | |||
NCB Discount |
How are Bike Insurance Premiums Calculated?
Third-party bike insurance premiums are fixed and determined by the IRDAI each year, and they’re also uniform across all insurers. Meanwhile, comprehensive bike insurance prices are determined by your insurance company based on several factors explained below.
If you want a quick way to know your bike insurance premiums, use our bike premium calculator given below.
Insured Declared Value (IDV)
The IDV or Insured Declared Value is determined during policy purchase. It’s your bike’s current market value, and the maximum amount we will pay if your bike is stolen or declared a total loss after an accident. The higher the IDV, the higher your overall premium will be, and the lower your IDV, the lower your premiums.
Rather than setting your IDV too high or too low, we recommend setting an amount that’s as close to your bike’s current price. This way, you keep your premiums low while still getting enough coverage and an adequate payout for total loss claims.
Add-Ons
Since add-ons are available for an extra fee, they can slightly raise your overall premium depending on how many add-ons you add to your plan. That’s why we recommend only getting add-ons that you are sure you’ll need.
If you have trouble choosing add-ons for your plan, we recommend getting nil depreciation, engine protection (for flood-prone areas), bike assistance, and helmet cover. New bike owners should also consider getting the return to invoice (RTI) add-on, and EV owners should get our EV add-ons.
Bike Make/Model & Age
New bikes, high-end/luxury, and imported bike models tend to have higher premiums than older or budget-friendly models. This is because expensive bikes tend to have more powerful engines and specialty parts that are more expensive and sometimes harder to find during repairs. These future costs are taken into account when calculating premiums.
Another significant factor is your bike’s age. Older bikes tend to have lower premiums due to depreciation and lower IDVs. In contrast, new bikes with higher IDVs will have higher premiums.
No Claim Bonus & Other Discounts
Discounts like No Claim Bonus (NCB), online discounts, loyalty rewards, and the yearly discounts you get when you’ve installed ARAI-approved anti-theft devices on your bike (2% per year*), or if you’re a member of a recognised automobile association (5% per year*) – all play a role in reducing your overall bike insurance premiums.
These discounts are usually applied during renewals, and maintaining and accumulating an NCB discount alone can help reduce your premiums by 50%. Hence, we recommend getting an NCB protection cover if you have an accrued NCB discount. This allows you to still file claims and keep your NCB discounts, keeping premiums low.
Place of Registration
Two-wheeler comprehensive insurance premiums are also calculated by taking into account your place of registration. Bike premiums are likely to be higher if your bike is registered in a Tier-1 metropolitan city. In contrast, premiums are likely to be lower if your bike is registered in a more rural location with low traffic and low accident rates.
How is Depreciation Calculated in Bike Insurance?
As your bike gets older, its value naturally drops because of depreciation. A fixed percentage is deducted from its value each year to calculate your IDV. Below is a table showing the schedule of depreciation for fixing theA No Claim Bonus (NCB) is a discount that insurance companies offer to policyholders who do not file any claims during a policy year. This discount is applied to the comprehensive bike insurance price during renewal.
At IndusInd General Insurance, our NCB discount starts at 20% on the first claim-free year and can be accrued up to 50% on 5 consecutive claim-free years.
You should note that you will lose your NCB discount if you file a claim. For example, if you held a 35% NCB discount and filed a claim, your NCB will revert to zero, and you will need to start over. That’s why we recommend adding an NCB Retention add-on to your comprehensive bike insurance policy if you have an NCB discount. This cover will allow you to file claims without losing your NCB.
You can also transfer your NCB discount if you’re switching insurers, and there will be no change to your discount amount post-transfer. So, if you held a 50% NCB with your previous insurer and switched over to IndusInd General Insurance, you will still have the 50% discount on your new policy after the transfer.
Here is a breakdown of the NCB discount percentages you can get on claim-free years. IDV of the bike:
Number of Claim-Free Years | NCB Discount |
|---|---|
1 Claim-Free Year | 20% |
2 Consecutive Claim-Free Years | 25% |
3 Consecutive Claim-Free Years | 35% |
4 Consecutive Claim-Free Years | 45% |
5 Consecutive Claim-Free Years | 50% |
Between 4 years and 5 years | 50% |
How to Buy and Renew Comprehensive Bike Insurance Online?
Buy Online
Scroll up to the form on top of this page, enter your bike registration and contact details. You can also use our calculator to estimate your premiums.
Select your bike make/model and enter your bike registration and previous policy details (if available).
Enter your mobile number and the OTP. Next, select the comprehensive bike policy and your bike’s IDV from the given range.
Select any bike insurance add-ons you require, then review the policy details and final price.
Pay online securely and complete the CKYC with your PAN details to receive your bike insurance policy PDF.
Renew Online
Navigate to the form on top of this page, choose ‘Renewal’. You can also open the IndusInd Insurance app and tap “InstaRenew”.
Fill in your mobile number or bike insurance policy number, or your bike registration number. Click Submit.
Update/modify your damage plan as needed. This is also when you can add add-ons to your plan.
If you had a claim-free year, check if an NCB discount is applicable on your bike renewal premiums.
Confirm the final premium and make the bike insurance renewal payment online to receive your renewed policy.
Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
Bike insurance starting at just ₹19 per month*!
Customised Plans for Your Bike
Secure your Bike with coverage against own damage, theft and more. Enhance your plan with add-ons tailored to your bike's riding needs.
How to File a Claim For Comprehensive Bike Insurance?
Cashless
You must inform us within 24 hours at 022-48903009 (Paid), or register your online claim on the IndusInd Insurance app.
Visit a network garage for repairs. We will send a surveyor to assess the extent of damage to your bike.
You can also do a self-inspection using the IndusInd Insurance app, just submit photos or join a video call with a surveyor.
Submit all your claim documents and wait for approval from our team. This can take 7 days (after document submission).
After we approve of your claim, we pay the bill directly to the garage and drop off your bike at your address.
Reimbursement
You must inform us within 24 hours at 022-48903009 (Paid). You can also register your bike insurance claim on the IndusInd Insurance app.
Visit any garage of your choice to get your bike repaired. Pay the repair bills and keep all bills and receipts.
Next, register your claim on our website. Download and fill out the claims form and upload it with your other documents.
As part of the document verification, upload RC, policy certificate, driver's licence, FIR (if needed), and the repair estimate.
Upon approval of your claim, we will transfer the claim amount directly to your bank account.
Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
Key Takeaways
Comprehensive bike insurance offers extensive coverage for bike owners against a wide range of risks, such as road accidents, natural disasters, fire, theft and other unforeseen events. Along with this own-damage protection, the policy also includes mandatory third-party liability coverage if your bike causes injury to another person or damages their property. This ensures you stay compliant with Indian motor laws under the Motor Vehicles Act, 1988.
At IndusInd General Insurance (formerly known as Reliance General Insurance), our comprehensive bike insurance plan is designed to suit different riders and budgets. You benefit from cashless repairs at 11,000+ network garages, a fast and seamless claims process, and instant policy purchase and renewal through the IndusInd Insurance app.
With us, you can also customise your comprehensive bike insurance policy using 15+ add-ons* to enhance protection for your bike. Moreover, our 24/7 customer support ensures you always have assistance when you need it the most.
Download our IndusInd General Insurance App now!
