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Bike Insurance
that rides with you, always

Compare bike insurance plans from top insurers and get the best coverage at the best price.

100% Secure & IRDAI Approved
Cashless Network 7,000+ Garages
No Hidden Charges
24x7 Claims Assistance
Rahul
Sneha
Amit
Pooja
Trusted by 15 Lakh+ customers
4.8/5 (300+ Reviews)

Bike
Insurance

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Bike Insurance

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Compare plans from
top insurers

HDFC ERGO
TATA AIG
MAGMA GENERAL
NEW INDIA
INDUSIND GENERAL
CHOLA MS
UNIVERSAL SOMPO
STAR HEALTH
SBI GENERAL
LIBERTY
NATIONAL
SHRIRAM GENERAL
IFFCO TOKIO
ICICI LOMBARD
ORIENTAL
ROYAL SUNDARAM
MANIPAL CIGNA
BAJAJ GENERAL
UNITED INDIA
ADITYA BIRLA SUN LIFE
PRAMERICA LIFE
GENERALI CENTRAL
SHRIRAM LIFE
LIC OF INDIA
KOTAK LIFE
CARE HEALTH
ZURICH KOTAK
ADITYA BIRLA HEALTH
AXIS MAX LIFE
SBI LIFE
GO DIGIT
RAHEJA QBE
ICICI PRU LIFE
ACKO GENERAL
NIVA BUPA
TATA AIA
INDIA FIRSTLIFE
BAJAJ LIFE
ZUNO GENERAL
BANDHAN LIFE
GO DIGIT LIFE
HDFC LIFE
GALAXY

Why Choose PolicyNation?

Quick, hassle-free and transparent

Wide Range of Plans

Compare quotes from top IRDAI licensed insurers in one click.

Best Price Guarantee

Save up to 85% with verified NCB discounts and exclusive digital rates.

Cashless Everywhere

Get cashless claims at 7,000+ authorized two-wheeler service centers.

24/7 Claim Assistance

Dedicated claims advisor to guide you from filing to settlement.

Zero Hidden Charges

100% transparent pricing. What you see is what you pay directly to insurer.

Types of Bike Insurance

Choose the right type of coverage that suits your needs

Comprehensive Bike Insurance

Complete peace of mind

  • Third-Party Liability coverage included
  • Own Damage (accidents, fire, theft & weather)
  • Cashless claims at 7,000+ garages
  • Eligible for Zero Dep & Roadside add-ons
  • Personal Accident cover up to ₹15 Lakh

Third-Party Bike Insurance

Government-mandated basic cover

  • 100% legally compliant under MV Act
  • Covers third-party injury and property damages
  • Avoid hefty traffic fines and penalties
  • Fixed, affordable standard IRDAI rates
  • Includes mandatory Owner-Driver PA cover

Standalone Own Damage (OD)

Damage protection for your bike

  • Covers damages to your bike from accidents
  • Theft, fire, and natural disasters covered
  • Pairable with existing third-party policy
  • Retains and builds your No Claim Bonus (NCB)
  • Add-on covers can be attached freely

Add-on Covers

Enhance your policy with add-on covers

24x7 Roadside Assistance

Get emergency help during vehicle breakdowns, including towing, battery jump-start, flat tyre support, fuel delivery and minor on-site repairs. Available 24×7 across supported locations.

Zero Depreciation

Get full claim value on replaced bike parts without depreciation deductions. Helps reduce out-of-pocket expenses during claims, especially for plastic, rubber, fibre and metal parts.

Consumables

Covers the cost of consumable items used during repairs after an accident, such as engine oil, nuts & bolts, lubricants, screws, washers and coolant, which are usually not covered in a standard policy.

Engine Protector

Protects against costly repair or replacement expenses for engine and gearbox damage caused by water ingression (hydrostatic lock) or lubricating oil leakage.

PA cover for Owner Driver

Provides financial compensation up to ₹15 Lakh in the unfortunate event of accidental death or permanent total disability of the registered owner-driver while riding.

LL Paid Driver

Covers the legal liability of the vehicle owner towards a hired or employed driver in case of accidental injury or death while operating the insured two-wheeler.

PA Cover for Passengers

Extends personal accident insurance coverage to pillion riders/passengers, providing financial support in case of accidental injury, permanent disability or death.

NCB Protector

Keeps your accumulated No Claim Bonus (NCB) discount intact even after making an eligible claim during the policy year, preserving valuable renewal savings.

Key & Lock Replacement

Reimburses the cost of repairing or replacing lost, stolen or damaged vehicle keys and locksets, saving you from high dealership replacement expenses.

Invoice Cover

In case of total constructive loss or theft, pays the gap between the vehicle's Insured Declared Value (IDV) and its original on-road purchase price, including road tax and registration charges.

Personal Belongings

Reimburses financial loss for personal belongings lost, stolen or damaged from the vehicle during an accident or attempted theft.

Tyre Protector

Covers repair and replacement expenses for accidental tyre damage, punctures, cuts, bursts or bulges, which are typically excluded in standard motor insurance policies.

RIM Damage Cover

Protects against accidental damage or deformation to your bike's wheel rims/alloys caused by potholes, road debris or accidents.

Daily Allowance

Provides a fixed daily travel stipend to cover commuting expenses while your bike is undergoing repairs at an authorized network garage following an accident.

PA Cover for Driver

Personal accident protection specifically for the designated driver of the vehicle.

PA Cover for Paid Driver

PA Cover specifically tailored for paid or delivery drivers.

Our Simple Claims Process

Hassle-free claims in few simple steps
Step 1

Report Claim

Lodge your claim
online or call us

Step 2

Inspection

Insurer inspects
the bike

Step 3

Garage Repair

Bike repaired
at network garage

Step 4

Cashless
Settlement

We settle the bill
directly

Step 5

Ride Away

Get your bike back,
good as new

Top Bike Insurance Companies in India

Compare and buy from India's leading insurers
dıgit
Claim Settlement Ratio96.7%
Cashless Garages7,000+
ack
Claim Settlement Ratio96.2%
Cashless Garages6,000+
B
BAJAJAllianz
Claim Settlement Ratio97.1%
Cashless Garages7,600+
ICICIGeneral Insurance
Claim Settlement Ratio96.8%
Cashless Garages7,200+
k
kotak
Claim Settlement Ratio96.5%
Cashless Garages5,200+

Frequently Asked Questions

Everything you need to know
Yes, under the Motor Vehicles Act, Third-Party Bike Insurance is legally mandatory for all two-wheelers riding on Indian public roads. Comprehensive cover is optional but highly recommended to protect your own bike.
Two-Wheeler Knowledge Hub

All You Need to Know About Bike Insurance

Protecting your bike against theft, road accidents, natural disasters, and third-party liabilities has never been easier.

Mandatory third-party coverage for all Indian two-wheelers
Comprehensive protection against own damage and theft
Save up to 50% on renewal with No Claim Bonus (NCB)
Seamless digital claim assistance and cashless repairs
Instant policy issuance with zero physical documentation
Insurance advisor

Not Sure Which Plan Fits Your Goals?

Our insurance experts can help you compare plans and choose the right protection for your family.

policynation

Policynation is the customer-facing brand of Ensureti Insurance Broking Pvt. Ltd., an IRDAI licensed insurance broker committed to making insurance simple, transparent and people-friendly.

IRDAI License Code: 493

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