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A two wheeler vehicle is a valuable asset and you must want to ensure its protection. When plying on roads, it brings higher risks to both for the vehicle and owner. To tackle this scenario, you need to buy a two wheeler insurance. On the legal ground, having a two wheeler insurance is compulsory. It provides protection against financial liability that may arise due to damage caused to any third-party property or bodily injury and physical damage/theft caused to your bike or scooter.Get Affordable Quotes
Here are some top reasons to buy Two Wheeler Insurance:
Following are the key factors that help determine the premium amount for a Two Wheeler Insurance:
Add-on covers/Riders are additional benefits attached to your comprehensive insurance policy. Following are the add-on covers that are available with the Two Wheeler Insurance.
Typically, the insurer pays for claims after deducting the specific percent of depreciation for the damaged parts of the vehicle. By opting this rider, your claim amount does not subject to any depreciation and you are entitled to receive the full claim amount.
Usually, insurers do not cover vehicle accessories under the two wheeler insurance. If you have installed accessories to your bike, it is quite essential to buy an add-on to provide cover to the valuable accessories. Assess the value of the accessories and then buy the cover accordingly.
Medical assistance is quite important, when you have met with an accident. Under two wheeler insurance, you can opt for medical cover. This add-on provides coverage against medical expenses caused due to the accident.Some insurers offer cashless hospitalization as well.
This rider provides cover to the two wheeler driver and the co passenger against accidental injury/death, Permanent Partial Disablement, Permanent Total Disablement, and Temporary Total Disablement.
Usually, insurers offer NCB benefits, if you have not made any claims in the previous year. With this add-on cover, you can take benefit of No Claim Bonus even if you have made claims up to pre-specified limits in the previous policy period.
(The add-on covers and its benefits may vary from insurer to insurer)Select from Top Insurer's
Following are the contingencies that are not covered under the Two Wheeler Insurance.
• Common wear and tear
• Electrical & mechanical breakdown
• Depreciation of vehicle
• Claims due to scenarios that does come under the contractual liability
• Loss/Damage due to war or nuclear risks
• Loss/Damage occurred outside the permitted geographical region
• Vehicle being used for the purpose not specified under the policy terms
• Driving under the influence of alcohol
• Driving with an invalid driving license
(Exclusions may vary from insurer to insurer)