Two Wheeler

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Scooters & Motorcycles Insurance

As per the Motor Vehicles Act, every two-wheeler on public roads must have valid insurance coverage. It protects owners against legal liabilities and financial losses arising from accidents.

Available Covers

Liability Only Policy

  • Covers third-party injury, death, and property damage
  • Includes Personal Accident cover for owner-driver

Package Policy

  • Includes all Liability Only benefits
  • Covers loss or damage to the insured vehicle

Key Benefits

✔ No Claim Bonus (NCB) from 20%–50% on claim-free renewals
✔ Covers third-party liabilities
✔ Optional add-on covers available
✔ Personal accident protection
✔ Accessories cover available

Add-on Covers

  • Vehicle accessories (stereo, AC, etc.)
  • Passenger cover
  • Paid driver cover
  • Employee legal liability
  • Non-fare passenger liability

IDV (Insured Declared Value)

IDV is the current market value of your vehicle after depreciation and determines the sum insured amount.

Depreciation Guide

  • Up to 6 months – 5%
  • 6 months–1 year – 15%
  • 1–2 years – 20%
  • 2–3 years – 30%
  • 3–4 years – 40%
  • 4–5 years – 50%

Eligibility

Any vehicle owner registered with the Regional Transport Authority (RTA) in India can purchase this policy.

How to Claim?

Follow these simple steps to make a claim under your two-wheeler insurance policy:

Accident Damage Claim

  1. Inform the nearest insurance office immediately
  2. Fill and submit the claim form
  3. Submit vehicle RC, driving license, and repair estimate
  4. Vehicle inspection will be conducted by the surveyor
  5. Submit final repair bills after completion
  6. Damaged parts (salvage) may be required if requested

Theft Claim

  1. File an FIR immediately with the police
  2. Inform the insurance company and submit FIR copy
  3. Submit the final police report once received
  4. Cooperate with investigators/surveyors
  5. Transfer RC, hand over vehicle keys, and complete claim documents after approval

Third-Party Liability Claim

  1. Inform the insurance company immediately
  2. Forward any court summons without delay
  3. Submit claim form with:
    • Registration Certificate (RC)
    • Driving License
    • FIR copy

✔ Keep all documents ready for faster claim processing.