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There used to be a time, a few decades back when owning a scooter used to be reasonably more popular than owning a bike. For officegoers, owning a scooter used to be the default arrangement. Owning a bike was seen as something fancy.Over time, more people began to lay an interest in owning bikes, and the popularity of scooters reduced.

Nowadays, many people own bikes, some for purely recreational purposes wherein they can go on long excursions with their friends. Some people do use bikes for daily commutation purposes.Irrespective of whether you maintain a bike for recreational or work-related purposes, buying twowheeler insurance is mandatory under the Motor Vehicle Act of 1988.
Besides being mandatory, buying insurance for your bike is a healthy and recommendable practice that keeps you secured on all fronts.
A biker could be exceedingly careful while driving his two-wheeler. But, this is not a 100% guarantee against avoiding all road accidents and injuries. In case your vehicle does come across damage, you will find it easier to bear the associated costs if your bike is insured. Insurance will work for you irrespective of whether you use your bike for recreational or work-related purposes.On the other hand, in the dearth of insurance, you might feel that you are pressed for money in typical situations when your vehicle comes across damage following a road accident.For a meager price paid each month for your insurance, you would be able to comfortably bear
relatively larger expenses in case your vehicle is damaged in a road accident. Your insurers will back you at such critical times. This helps with having your vehicle back on the road and running in minimum
time.Buying insurance becomes all the more important if you own and use a premium two-wheeler or bike.Your insurance keeps you secured in the event of typical scenarios such as the bike being stolen.
Similarly, in the dearth of insurance, the bike being stolen is a loss of a decent magnitude for many people.Many people feel that buying bike insurance is not worth it because I drive carefully. This is an attitude to be on guard against because, in the face of tough circumstances, your bike insurance is going to be a
great deal of help for you.

INSUREMILE is one of the premium bike insurance sellers through the current times. Buying insurance from them is a hassle-free experience and they are the top performers in terms of commitment to the insurance holders.

  Bike insurance policy is an agreement between bike owner and insurance company that can cover bike and bike owner, damages cause if you hit someone else, and other accident events. When you get bike insurance policy, you are buying “bike coverages,” which are essentially things your insurer agrees to pay for compensation to rectify damage bike and you.

Bike Insurance Add-ons are those covers that you buy for an extra protection for your bike loss or damages. – These add-ons increase your bike insurance premium, as you get extra coverages example zero depreciation to protect your insured value you are paying extra premium for extra cover.

Compare bike insurance policy is way to get best policy to suit your needs, you must explore online to get 3 insurance companies quotes before you make up mind to buy bike insurance policy, so that you know benefits and premium of bike insurance policy, you may end up save hug amount of money and insurance company may offer you better coverage based your bike and driving experience. Also help of online websties you can get better additional free riders such as road side assistance, zero depreciation etc to save your money not only while buying and next 12 months no need to pay any extra money when you lose bike or down on road.

Third Party Liability insurance is mandatory for all vehicles plying on public
roads in India. This covers Liability for injuries and damages to others that you are responsible for. In addition, it is prudent to cover loss or damages to the vehicle itself by way of a Comprehensive/Package policy or a Bundled Policy or a Standalone Own Damage Policy in addition to your Liability Only Policy, which covers both “Liability” as well as “Own damage” to Insured vehicle. Liability Only cover is also known as Act Only cover.

Yes, it is mandatory to have a valid PUC Certificate on the date of renewal of the insurance policy.

Own-Damage (OD) cover under Bundled Policy is valid for period of one year and hence, OD section should be renewed on expiry of one-year period. However, Third Party cover under the Bundled Policy is valid for three years (for new Private Cars) or five years (for new Two-wheelers) and hence, it should be renewed on expiry of 3 or 5 year period as the case may be.

Yes, the insurance can be transferred to the buyer of the vehicle, provided the seller informs in writing of such transfer to the insurance company. A fresh proposal form needs to be filled in. There is a nominal fee charged for the transfer of insurance along with pro-rata recovery of NCB from the date of transfer till policy expiry. It may be noted that transfer of ownership in comprehensive/package policies has to be recorded within 14 days from the date of transfer failing which no claim will be payable for own damages to the vehicle.

There is no limit to the number of claims you can raise in your bike insurance policy. However, it is always advised to not raise multiple claims within a year, so it does not affect your other-related benefits.

In a basic Comprehensive Bike Policy, certain parts of the bike may not be covered or may have limited coverage. For example, the engine of a bike is typically not covered under the standard policy.

Yes, you can purchase separate coverage for the engine of your bike. This additional coverage is usually offered as an optional add-on or rider to the standard Comprehensive Bike Policy.

Yes, you can cancel your Bike insurance policy at any time. You do not have to wait until the end of the policy period to cancel it.

IDV is the current market value of your bike, which is the maximum amount your insurer will pay if your bike is stolen or completely damaged. It reduces with the bike’s age due to depreciation.

While renewing, compare different plans (third-party, comprehensive, zero depreciation) on aggregator platforms. Look for IDV (Insured Declared Value), add-ons, premium rates, and customer reviews.

A: No, Indian motor laws do not allow you to pause an active insurance policy. However, you may avoid renewing comprehensive cover and retain only third-party if the bike is unused but still registered.

Standard insurance may not cover damages during off-roading unless explicitly included. Always check policy exclusions.

Yes! Several insurers offer custom policies for vintage/classic bikes with special valuation and limited-use clauses.