Zero Depreciation
Full claim payout without deducting for the depreciation of plastic, rubber, or fiber parts (highly recommended for new bikes).
Two Wheeler Insurance in India
In 2026, Two-Wheeler Insurance in India remains a legal mandate under the Motor Vehicles Act. The industry has shifted significantly toward digital-first policies and specialized coverage for the rapidly growing Electric Vehicle (EV) segment.
🏍️ Insurance Types
Mandatory vs. Optional Coverage
Two Wheeler Insurance consists of mandatory legal protection as well as optional coverage that provides broader financial security for your bike and yourself.
Ride Legally & Stay Protected
Choosing the right combination of Third-Party, Personal Accident, and Comprehensive Insurance ensures legal compliance while protecting both your motorcycle and your finances against unexpected events.
Third-Party (TP) Liability
(Mandatory)
Legally required to ride on public roads. It covers legal liability for third-party injuries, death, or property damage (up to ₹1 lakh). It does not cover damage to your own bike.
Personal Accident (PA) Cover
(Mandatory)
The owner-driver must have a PA cover of ₹15 Lakh. If you already have this via another vehicle policy or a standalone PA plan, you can opt out to save on premium.
Comprehensive Insurance
(Recommended)
Includes Third-Party cover plus "Own Damage" (OD). It protects against theft, fire, accidents, and natural disasters (floods, cyclones, etc.).
Choose Complete Protection for Every Ride
While Third-Party Insurance fulfills legal requirements, Comprehensive Insurance provides broader protection by covering your own bike against accidental damage, theft, fire, and natural calamities, giving you greater peace of mind on every journey.
🏍️ 2026 Updates
Key Features for 2026
📄
Long-Term Policies
New two-wheelers must be sold with a 5-year Third-Party policy. Owners can choose a 1-year or multi-year "Own Damage" component to accompany it.
🔋
EV Specialized Covers
In 2026, most insurers offer specific riders for Electric Two-Wheelers, covering battery damage, charging cable theft, and protection against electrical short circuits.
📍
Pay-As-You-Consume (Usage-Based)
You can now opt for policies where the premium is linked to how much you ride (kilometers) or how safely you ride (telematics).
🛠️ Add-on Riders
Popular Add-on Riders
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🛢️
Consumables Cover
Covers the cost of nuts, bolts, engine oil, and brake oil, which are usually excluded in standard claims.
🌧️
Engine Protect
Essential for monsoons; it covers engine damage caused by water ingression (hydrostatic lock).
🆘
24x7 Roadside Assistance
Provides towing, fuel delivery, and minor repairs if you are stranded.
💰 Savings & Discounts
Financial Benefits
🎁
No Claim Bonus (NCB)
A discount of 20% to 50% on the "Own Damage" premium for every claim-free year. NCB can be transferred if you sell your old bike and buy a new one.
💻
Digital Discounts
Buying online via insurers or aggregators is typically 10-15% cheaper than offline agents due to zero commission.