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Tips To Select Comprehensive Two Wheeler Insurance Policy

As per section 146 of Motor Vehicles Act, 1988, insurance is compulsory for any two-wheeler on public roads in India. However, only third-party insurance is mandatory, and due to its affordability owners end up purchasing that without considering the shortcomings. While there is no doubt that there are ways to get third-party two-wheeler or even third-party car insurance policy, it does have a few drawbacks.

A comprehensive two-wheeler insurance policy not only covers all the third-party liabilities caused due to your insured bike, but also offers coverage against loss, damage, theft of the bike, and protects the owner-driver with a “Personal Accident Cover.” With such blanket coverage, it is advisable to select a comprehensive two-wheeler policy for your bike to protect you against any financial liabilities.

So, how to select comprehensive two-wheeler insurance? Here are some helpful tips

  • Insurance Declared Value (IDV)

IDV is the amount of money you will receive in case of complete damage to your two-wheeler. So, in a way, it is the current value of your bike as per the insurer. As time passes, the IDV value will decrease, and depreciation will increase. So, you should look for an insurer that offers maximum IDV value for your vehicle. A few thousand rupees difference in IDV will have a significant impact on the value of your vehicle a few years down the line.

  • Claim Settlement Ratio

Claim settlement ratio is the benchmark to gauge an insurance company’s performance. You purchase an insurance plan to get compensation if such an event were to take place. A high claim settlement ratio indicates that the insurance company does not deny claims for frivolous reasons, and you will have a higher probability of a claim being settled if it meets all the terms & conditions.

  • Network Of Garages

Insurance companies have tie-ups with garages so that customers can avail cashless policy and can get the repair work done without any hassles. It is crucial for you to find out the number of garages associated with the company, and you should also check for garages that are available in your immediate vicinity or nearby areas.

  • Customer Support

Excellent customer support will ensure that you will have a company representative to contact and seek help in case of a claim. It is mandatory to inform the insurance company about any incidents which may require compensation. So, responsive customer support available via phone, email, or live chat will be beneficial.


These helpful tips will ensure that you get the insurance that meet up to your requirements of a comprehensive two-wheeler insurance policy for your bike.