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What Are The Types Of Two Wheeler Insurance Plans That We Offer?

We offer three types of two wheeler insurance plans:

Comprehensive Two Wheeler  Insurance

What Is Covered Under Two Wheeler Insurance

  • Accidental Damage

    • Any losses or damages that you may suffer due to an accident caused while driving are covered in two wheeler insurance policy. .

  • Theft and Burglary

    • According to a report, almost 75% of vehicles that are stolen in India are two wheelers. If you have a two wheeler insurance policy, then you would have some respite since your losses due to theft would be covered.
  • Natural Disasters

    • Natural calamities like earthquakes, cyclones, floods can literally destroy your bike. Any damage caused to your bike/scooter due to such natural disasters is covered under Bharti AXA Bike Insurance Policy. 
  • Man-Made Disaster

    • Any loss occurred due to accidental fire, riots, strike, etc., is covered under your bike insurance policy.

  • Third-Party Losses

    • Did you end up hurting or damaging a person or property while riding your bike? Fear not, the losses that you may have to pay for are covered by the third party liability insurance plan.

What is Covered Under Two Wheeler Insurance

What Is Not Covered Under Two Wheeler Insurance

  • Drunk Driving

    • If you damage the bike while you drink and drive, it will not be covered under two wheeler insurance. Don’t drink and drive.

  • Regular Wear and Tear

    • After a period of time, the vehicle is bound to face regular wear and tear as well as losses due to depreciation of vehicle. These aren’t covered under two wheeler insurance policy.

  • Driving Without Valid License

    • Damage/ loss to the vehicle without a valid driving license will not be covered. .
  • Other Reasons

    • The reasons which are not mentioned above like consequential damages, mechanical failures, contributory negligence, staged accidents etc. will not be affirmed as a reason towards an insurance claim.
What is Not Covered Under Bike Insurance

Depreciation Cover

Our bike insurance add-on saves you from paying depreciation on the expenses of repair or replacement of parts such as glass, fibre, rubber or plastic

Personal Accident Cover

If there is a bike accident and it leads to several injuries or unfortunate death/ disability. Personal Accident Cover add on will be your savior from the loss. Bike Personal Accident Cover

Instant Policy Online

Our instant and simple policy issuance process makes buying bike insurance online, a breeze.

Wide Range Of Add On Covers

You can customize your bike insurance coverage based on your specific requirements through add-on covers.

94.06% Claim Settlement Ratio (Motor)

We understand that you’re already stressed when the need for filing a bike insurance arises. Therefore, we have established a smooth and fast process for settling claims. Claim settlement ratio is one metric that you can look at to check the claim settlement experience of any insurer’s customers.

5200+ Cashless Garages

Bike repairs can get financially stressful with hefty bills to pay. Moreover, it’s also emotionally taxing. We agree. Just seek any of our cashless network garages that is nearest to you. We’ll directly settle the bills with the garages. Life’s simpler, isn’t it?

24/7 claim assistance

With bike insurance policy offered by Bharti AXA, you can be assured of assistance anytime of the day. You can contact us using the toll-free numbers: - For claims & your queries for renewal.

What Are Benefits Of Buying Two Wheeler Insurance Online?


Buying two wheeler insurance online is quite easy in today’s digital world.! You just need a mobile device or a laptop with internet and you can purchase Bharti AXA Bike insurance in a few clicks.

Simple Steps

Steps to follow for buying bike insurance policy online Just visit Bharti AXA website, enter your details, and select the particular two-wheeler insurance you want to buy or renew and pay for it online. As soon as the payment is processed, the e-copy of the policy will be sent to your mailbox instantly. You can get your bike insurance, without the hassles of documentation or inspection process.

So Many Payment Modes

You can make payment using your preferred digital payment options such as:

  1. Net Banking
  2. Debit/Credit card
  3. Online wallet like PayTM and others
  4. UPI
  5. Google Pay

Quick Assistance

If you have any doubts related to the two wheeler insurance buying or renewal, then you can quickly seek clarification via online chat or call. In most cases, your query would be immediately


Comprehensive Two Wheeler Insurance

If you are looking for a 360 degree cover for your bike, then this is your policy. One of the things that makes comprehensive bike insurance popular among two-wheeler insurance is it covers you from third-party damages and own damages to your bike.

Imagine an armor that can cover you from head to toe. A comprehensive insurance policy is like that armor for your two wheeler. It provides extensive cover to your bike from various unforeseen events.

By choosing a comprehensive two wheeler insurance policy, you can also opt for several add-on covers to strengthen your bike insurance coverage.

Note: Both the third-party liability and comprehensive cover plans also include the compulsory personal accident cover for owner-driver with a premium of particular amount, for which the owner-driver is liable to receive a sum assured amount of Rs. 15 lacs in case of:

Death 100%
Loss of two limbs or sight of two eyes or one limb and sight of one eye. 100%
Loss of one limb or sight of one eye 50%
Permanent total disablement from injuries other than named above. 100%

Third-Party Liability Coverage

Remember how it was compulsory to carry your ID card to college? Similarly, if you own a two wheeler then it is mandatory by law as per the Motor Vehicle Act 1988 to purchase a third party bike insurance policy. A third party liability insurance policy would protect you against financial losses which you may suffer:

Due to injuries or accidental death caused to another person


Damages caused to property or vehicle.

The base premium for third party liability insurance depends on the cubic capacity of the two wheeler’s engine. The Insurance Regulatory & Development Authority of India (IRDAI) revises the rates for base premium every year. As per the recent guideline by Insurance Regulatory and Development Authority of India, insurers are directed to offer five year third party liability for new two wheelers. Hence, the policy for a new two wheeler vehicle will cover the TP premium for 5 Years.

As of 16th June 2019, the third party insurance premium rates are as mentioned below:

Engine Capacity TP Premium Rate for annual renewal  TP Premium for 5 year policy
Less than 75 cc ₹428 ₹1,045
Above 75 cc but less than 150 cc ₹752 ₹3,285
More than 150 cc but less than 350 cc ₹1,193 ₹5,453
More than 350 cc ₹2,323 ₹13,034

For Electric Two Wheelers

Engine Capacity One Year Policies Long-Term  Policies
Not exceeding 3 KW ₹410 ₹888
Exceeding 3 KW but not exceeding 7 KW ₹639 ₹2,792
Exceeding 7 KW but not exceeding 16 KW ₹1,014 ₹4,635
Exceeding 16 KW ₹1,975 ₹11,079

Note: There is compensation up to Rs1 lakh for third-party property damage for a two wheeler. If there is a case of injuries/death, it will be taken into the court tribunal.

Why Buy Two Wheeler Insurance Online?


India is the largest two wheeler market in the world. In 2019 alone, there were more than 20 million motorcycles sold in India. With so many bikes across the cities, accidents and thefts are very obvious. Apart from causing damage to the vehicle, an accident can also result in disability or death. Hence, it is not only important but also mandatory by law (Motor Vehicle Act 1988) to own a two wheeler insurance policy.

Imagine that you are riding a bike and all of sudden you met with an accident. Your overall bike repair cost can leave a big hole in your pocket.If your bike is insured then you would be protected from damages or losses caused.

Therefore, by paying an affordable premium, you can ensure the safety of your scooter/motorbike and yourself with bike insurance policy.

In simple words, just like how a helmet protects you from a life-threatening injury, a two wheeler insurance protects you from financial losses.

In case your bike insurance plan is about to expire, it is important to renew it. It is easy to renew bike insurance policy online. If you own a comprehensive bike insurance plan and have an NCB (No Claim Bonus) add on, then you can even avail of a discount on your bike insurance renewal online.

Two wheeler Insurance Blogs

Two Wheeler Frequently Asked Questions

Policy's Coverage

You Can Enhance Your Two Wheeler Insurance With Our Depreciation Cover Add-On

What Are Benefits Of Buying Two Wheeler Insurance Online?

Overview Of Bike Insurance Coverage

Damages/ Lossed Third Party Comprehensive
Damage/losses to own vehicle due to an accident X
Theft of Car X
Damage/losses due to fire X
Damage/losses due to natural disaster X
Damage to the vehicle of third party and property
Personal Accident Cover (if opted)
Injury/ Death of Third Party due to an accident



Why Choose Bharti AXA Insurance?

Standalone Own Damage Cover

An own damage insurance cover would protect you from losses suffered due to damages caused to your vehicle by an accident, manmade damages, theft or natural calamity.

If you already have a long-term third-party bike insurance, you can opt for a standalone own damage cover to get a wholesome coverage for your vehicle. An own damage insurance cover would protect you from losses suffered due to damages caused to your vehicle by: • An accident, • Manmade damages, • Theft • Natural calamity.

Remember that this cover does not provide coverage against third-party liabilities. As third-party liability insurance is compulsory, own damage cover can be bought only if you already have a long-term third-party insurance.

This type of insurance does not cover you against:

  1. Depreciation
  2. Electrical and mechanical breakdown
  3. Any damages arising when the driver is under the influence of alcohol/ drugs, is underage, or does not have a legal driving license

Like with comprehensive insurance, you can also get add-ons with standalone own damage insurance to customize the cover as per your particular requirements. All the add-ons available with comprehensive cover are available with own damage cover as well


What is a No Claim Bonus (NCB) in Long Term Two-Wheeler Policy?

Long-term policy for old bike is for a period of one year, whereas for a new car the owner has to mandatory buy 3 years compulsory TP with an option of 1 year OD or a 3 years OD This policy covers the damages that your vehicle has incurred because of some accident.
You may wonder what is NCB? Well, NCB or No Claim Bonus in Bike Insurance is the additional benefit that the insurer gets in case he does not make any claim. NCB in two wheeler insurance policy gets reduced, but it does not become nil after one claim whereas in other policies No Claim Bonus becomes nil after the first claim. The slab for No Claim Bonus differs from other short-term policies. There are some insurance providers who offer the same NCB discount to their first-time customer as they have earned at the previous policy company. 


When my vehicle is expected to get surveyed? Whom to submit the two wheeler insurance claim documents?

Within one working day from claim intimated to our call centre, except cases reported at remote locations. The necessary documents for two wheeler insurance claim need to be submitted to the surveyor/local insurance office.


What shall I do after two wheeler Insurance claim intimation?

Place the vehicle in any of our cashless tie-up garage or at authorized garage of your own choice (here cashless payment would get reimbursed to the insured). 


Where do I get the two wheeler insurance claim form and detail list of cashless garages of Bharti AXA?

You can visit to our website ( to download the two wheeler insurance claim form and also get policy wordings. You can also see the list of our network garages in your area. 


What are the details need to be kept handy while registering the two wheeler insurance claim?

  • Policy Number
  • Vehicle Registration Number & Chassis / Engine number
  • Caller details/relation with insured / Contact no. of the insured
  • Date / Time & Place of the incident/ accident
  • Detail description of the incident/ accident. 
  • Loss type whether Own damage/Theft/TP/TPPD/PA Claim
  • Whether any injury involved into this accident
  • If the incident been reported to police then GD / Case No or FIR No 
  • Driver Name (As per the details mentioned in the driving license) & Driving Licence number 
  • The call centre will then provide with a unique number as Claim No. which will be used for all future correspondence    


When shall I register the two wheeler insurance claim?

  • Bike Insurance claim should be reported on immediate basis after the incident/accident. However priority must be given for self-safety & medical assistance (if required).
  • For Total Theft Claims, the intimation to Police & Insurance Company should be given within 24hrs. 

For any delay in claim registration beyond 48 hours of incident/ accident the insured should furnish the two wheeler insurance company with detail clarification in writing. Insurance company will not stand responsible to cover any kind of aggravation of loss happened due to delay in claim registration or vehicle is not produced for survey.


What is Cashless Claim and Non- Cashless/Reimbursement Claim two-wheeler Policy?

Two-wheeler insurance claim covers the Cashless Claim and Reimbursement Claim. It is the same as the claim in car insurance. The cashless claim is where the insurance provider pays for the damage caused to the two-wheeler in an accident. The insurer needs to repair his/her two-wheeler at the network garage of the insurance provider, whereas Reimbursement-Claim or Non-Cashless is where the insurer pays for the damage caused to the two-wheeler in an accident. After the payment is made, the policyholder is required to submit the receipt or bill to the insurer. If the policyholder is entitled, the provider makes a reimbursement claim. In reimbursement claim, the policyholder can get his two-wheeler repaired in any garage. Reimbursement Claim is usually made at the time of the accident; it is made only after the policyholder has already paid for the expenses. The insurer checks the costs incurred for the repair. The policyholder needs to provide valid documents. Otherwise, the insurer may reject the claim. 


Will the premium for my two-wheeler increase after a claim?

It is important to understand that claims are not the only factors that affect premiums. However, it is one of the factors, but there are other factors such as nature of policy, model of the vehicle, etc. Therefore, it is not a surety that your premium will or will not change after you file a claim. 


How do I claim insurance for my bike or two-wheeler?

The first two-wheeler insurance claim process includes a few steps. The policyholder needs to contact your insurer within the 24 hours of the accident. The insurer will ask you to submit the documents that are required to make a claim valid. Only after verifying the documents and considering the eligibility for claim; your 2-wheeler will be sent to the network garage to evaluate the expenses. If it is found that oversight was made on your part, then the insurer may ask you to pay the excess amount. The insurer will not disburse the amount for your bike or two-wheeler if the repairing expense exceeds the actual value. Please note that you cannot claim for the insurance if you go to the local garage that is not approved by the insurer. The insurance is valid for the vehicles that are damaged because of an accident or natural disasters. The insurance is not for the damage that is caused intentionally.


Which all documents do I need to submit for my bike insurance claim?

1. Original Claim form duly filled and signed by the insured (CO’s seal need to be affixed in case the insured is a Firm/Company)

2. Registration Certificate & Driving License of the person driving at the material time of accident duly attested by the insured only. However surveyor may wish to verify the originals even based on merit of the said case.

•            In case where the smart card or Rc certificate is yet not been issued by the MV Dept, then the RTA receipt for new registration, Purchase invoice & Delivery Challan required.

•            b. For few odd cases where the Registration Certificate issuance been delayed for more than the stipulated time period there the Rc particular may require.

3. True copy of Police report / FIR, in case of any Injury to Occupants or TP ; Total or Partial Theft ; Property Damage & Malicious activity.

4. If, in case there is an involvement of injury / death / property damage, there relevant docs. are also to be submitted.

5. Satisfaction voucher (in case vehicle repaired at cash less garage).

6. Bill / Money Receipt ; NEFT Details (Cancelled Chq. / Bank Mandate) & Discharge Voucher for reimbursement cases infavour of the insured.

7. For total theft cases, all the original vehicular documents along with both the original keys. Additional documents required for commercial vehicle:

8. Self-Attested copy by insured of Fitness Certificate / Permit / Load Challan (if vehicle been loaded)

9. For All Commercial Vehicle Claims, original documents need to be produced for verification & return. Document Required for Theft Claims (Partial / Total)

1) Partial Theft:

a. All documents as mentioned above except Driving License , Refer point: 3.

b. For theft recovery vehicle the theft recovery memo issued by police need to be furnished. 2) Total Theft:

a. All documents as mentioned above except Driving licence / Bill & Money Receipt, Refer point: 3.

b. All original vehicular documents along with both the original keys (original cabin key for commercial)

c. Original letter issued to RTO intimating Theft & request for waiver of tax.

d. Certified copy of Police Final Report & FIR.

e. If vehicle is under hypothecation, the current loan ac statement.

f. Form 28 (4 copies) & Form 29 & 30 (2 copies each) duly signed by insured.

g. Subrogation & Indemnity Bond from insured.

h. In case of Payment to (If Vehicle is under Hypothecation):

i. Insured: Original NOC & Form 35 issued by the financer (duly singed by insured).

ii. Financer: Request Letter from the Financer mentioning the loan Ac details / Written consent from the insured to release payment in favour of Financer/ Original NOC & Form 35. iii. Acknowledged copy of letter to MV Dept. & Police Station intimating full & final settlement by the insurer (Format may to be availed from the Local Br.).


Where do I get the Claim Form and Detail List of Cash Less Garages of Bharti AXA?

Refer our website to download the Claim Form and also get the Policy Wordings. Please visit to our website ( for our tied-up garages.


What are the details need to be kept handy while registering bike insurance claim?

Follow are the documents that need to be kept handy while registering bike insurance claim

  • Policy Number. 
  • Vehicle Registration Number & Chassis / Engine number. 
  • Caller details/relation with insured / Contact no. of the insured. 
  • Date / Time & Place of the incident/ accident. 
  • Detail description of the incident/ accident. 
  • Loss type whether Own damage/Theft/TP/TPPD/PA Claim. 
  • Whether any injury involved into this accident. 
  • If the incident been reported to police then GD / Case No or FIR No. 
  • Driver Name (As per the details mentioned in the driving license) & Driving Licence number  
  • Current Vehicle Location & if yet not placed with any garage then enquire about garage preference. 

The call centre will then provide with a unique number as Claim No. which will be used for all future correspondence.


When shall I register the Bike Insurance claim?

  • Bike Insurance claim should be reported on immediate basis after the incident/accident. However priority must be given for self-safety & medical assistance (if required).
  • For Total Theft Claims, the intimation to Police & Insurance Company should be given within 24hrs. 
  • For any delay in claim registration beyond 48 hours of incident/ accident the insured should furnish the two wheeler insurance company with detail clarification in writing.
  • Insurance Company will not stand responsible to cover any kind of aggravation of loss happened due to delay in claim registration or vehicle. is not produced for survey.


How to register two wheeler insurance claim?

Claim should be intimated to our call centre (Toll Free: 1800-103-2292) OR E-Mail us at


Do we get personal accident cover with a bike insurance policy?

Your bike insurance policy is incomplete minus a personal accident coverage. This is essential as it provides the owner of the vehicle, any dependents to seek compensation in the event of accidental injury or fatality. Moreover, the policyholder can insure the pillion rider by purchasing additional personal accident coverage. Generally, the maximum compensation amount sanctioned is around Rs. 1 lakh, if the individuals are below 65 years in age.

Usually, insurance companies offer personal accident coverage as a rider on the two-wheeler insurance policy. The policyholder can ensure optimal protection by paying a little more on the premium of the policy.


What is voluntary excess?

Voluntary excess is the extra amount over and above the compulsory excess. Voluntary excess is your option to opt for bearing a certain amount of loss from every claim. For this option, you are eligible for a discount on Own Damage Premium (ODP) as listed in the table below:

Rs.500 5% on the OD premium of the two wheeler,
subject to a maximum of Rs. 50/-
Rs.750 10% on the OD premium of the two wheeler,
subject to a maximum of Rs.75/-
Rs.1000  15% on the OD premium of the two wheeler,
subject to a maximum of Rs.125/-
Rs.1500 20% on the OD premium of the two wheeler,
subject to a maximum of Rs.200/-

25% on the OD premium of the two wheeler,
subject to a maximum of Rs.250/-



What is compulsory excess?

It is the amount which insured has to bear for each and every claim. It is levied as mentioned in the table below:-

Private Cars including three wheelers rated as Private Cars (Not Exceeding 1500 cc) 1000/-
Private Cars including three wheelers rated as 
Private Cars (Exceeding 1500 cc)
Motorized Two Wheelers 100/-



What is the third party liability cover?

The Insured will be covered for any liability arising from any accident caused by or arising out of the use of the private two wheeler in respect of:

  • Death or bodily injury to third parties (unlimited liability)
  • Damage to the third party property (minimum of Rs.6000/- and max of Rs.7,50,000)

Can other accessories be insured?

Accessories can be insured under a two wheeler insurance policy with an additional premium. In case these are factory fitted they are automatically insured under the policy however insured needs to insure them separately if those are installed later. Insured will have to pay additional premium to cover the accessories in two wheeler insurance policy.


What are the types of events or losses not covered under two wheeler insurance?

The following events or losses are not covered in two wheeler insurance policy:

  • Mechanical/ Electrical breakdown
  • Wear and tear, ageing of vehicle
  • Consequential loss*
  • Depreciation
  • Deliberate accidental loss
  • Intoxicated driving
  • Any contractual liability
  • Damage to/ by a person driving any vehicle without a valid license

*Consequential loss is an indirect loss, which is not directly resulting out of a loss event, but arising as a consequence of loss event. For example, Mr. Singh was on his way to office for an important meeting with client. Unfortunately, his vehicle met with a road accident resulting in damages to the vehicle and it consumed lot of his time. Due to this, he could not attend the meeting resulting in loss of approx 15 Lakhs. Damages to two wheeler due to the accident are covered, but the loss of 15 Lakhs is consequential and hence not covered.


What is the scope and cover offered in a two wheeler insurance policy?

Your two wheeler can be used for social, domestic and pleasure purposes and also
for business purposes excluding the carriage of goods other than samples by you
or your employees. Bharti AXA two wheeler insurance policy will protect you against any loss or damage to the two wheeler and its accessories during the following events:

  • Fire, explosion, self-ignition or lightning
  • Burglary, housebreaking or theft
  • Riot or strike
  • Earthquake (fire and shock damage)
  • Flood typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost
  • Accidental external means
  • Malicious act
  • Terrorist activity
  • Whilst in transit by road, rail, inland, waterway, lift, elevator or air
  • Land slide, rock slide


What to do if my motorcycle is lost or stolen? Can I get any benefits from my bike insurance policy?

This is what you need to do if your motorcycle is lost or stolen:

File an FIR

If your motorcycle is stolen, you must immediately file an FIR (First Information Report) with the nearest police station. It is mandatory to submit the same to your insurer to initiate the claim filing process.

Contact the insurer

After the FIR is filed, contact and inform your insurer that you wish to file a claim. Submit important details such as policy number, time & date of the incident, registration details of the stolen/lost motorcycle and a thorough description of the incident. You could also highlight if there were any CCTV cameras in the vicinity.

Submit required documents

You would have to submit the following documents to the insurer. So it is recommended that you arrange for them quickly after contacting the insurer:

Signed claim assessment form

Copy of policy documents

Copy of the motorcycle’s registration certificate (RC)

Original FIR copy

Copy of your driver’s licence

Signed transfer papers from RTO

Original keys of the motorcycle

No trace certificate

This is a critical document to share with your insurer. Without a no trace certificate, your claim wouldn’t be processed. It is possible to acquire this document from the police after one month from the date of the incident. Remember to be patient and co-operative with the police department. The insurer may choose a private investigator to scrutinize the theft. This activity might take around 60-90 days. Post this, your claim would be released.

It is important to note that only a comprehensive two-wheeler insurance policy would cover the theft of your motorcycle. A third party insurance policy would only protect you from losses arising due to third party liabilities. If you don’t have a comprehensive two wheeler insurance policy, then you would not be able to seek any compensation.


What are the types of bike insurance plan in India?

There are two types of bike insurance plans in India.

1. Third-party liability insurance: Having basic two-wheeler insurance is mandatory as per the law of the land. In this case, third-party liability insurance does the job. It secures the policyholder against and covers all financial losses for bodily injuries and vehicle damage of the third party involved in the accident.

2. Comprehensive insurance: Covering the third-party liabilities of basic insurance coverage, a comprehensive two-wheeler policy protects the policyholder from own damage incidents. This includes a variety of circumstances such as be natural calamities, burglary, theft, riots or terrorist activity or damage caused during travel. However, loss of personal belongings or damage to the vehicle caused as a result of being under the influence of drugs or alcohol is not covered in this type of bike insurance policy.


What Is Long Term Two Wheeler Comprehensive Insurance?

Long Term Two Wheeler Comprehensive Insurance

A two wheeler comprehensive insurance plan which is taken out once for a validity of 3 years at a stretch is called long term two wheeler comprehensive insurance. You can easily purchase such insurance online.

Benefits of going in for a Long Term Two Wheeler Comprehensive Insurance Plan:

  • No hassle of remembering to renew your policy every year. You get peace of mind for 2-3 years by making a one-time premium payment.
  • You are insulated from a yearly hike in premium amount since IRDAI increases third party insurance premiums every year.
  • You also save by getting discounts ranging from 10% - 20% that are offered by insurance companies on 2 and 3 year plans.
  • Unlike in a 1-year policy, if you make a claim during the policy tenure the NCB or no claim bonus does not become nil in a long term insurance policy. It just reduces to the previous percentage slab so you still get the benefit of NCB.


What are cashless claims?

The cashless claim is a facility offered to the policyholders by the insurance company for easy and quick claim settlement process. If your vehicle needs repairs due to damages caused by an accident, you can take it to any network garage of the insurance provider. The garage will repair your vehicle and charge the bills directly to the insurance company without you requiring paying the cash up front. 


What is No-Claim Bonus (NCB)?

No-Claim Bonus (NCB) is the discount that an insurance company offers to the policyholders if they do notraise a single claim during the policy period. The policyholder can accumulate up to 50% NCB discount on renewal premium for every claim-free year till 5 years.

No. Of Years  Discount
One Claim-free year 20%
Two consecutive claim-free years 25%
Three consecutive claim-free years 35%
Four consecutive claim-free years 45%
Five consecutive claim-free years 50%



What is Third-Party Insurance for two wheeler?

Third-party insurance provides financial coverage to the rider-owner against any legal liability that arises out of bodily injury, death, or permanent disability to a third-party or any damage to their property. This is compulsory and minimum insurance that every two wheeler owner has to purchase as per the Motor Vehicles Act, 1988.


What is IDV in bike insurance?

The Insured Declared Value (IDV) in Bike Insurance refers to the maximum sum assured determined by the insurance company. This is the amount that you would get in case your scooter/bike is stolen or damaged. 


What are the benefits of two wheeler insurance renewal/purchase online from Bharti AXA?

It is always advisable to purchase or renew scooter/two wheeler insurance only from established insurance providers. Bharti AXA provides two wheeler insurance that meets up to your requirement. No matter what your two wheeler brand, model or make is, you can rest assured that Bharti AXA will meet all your insurance needs. When you buy scooter/bike insurance online from Bharti AXA, you can avail the following benefits:

  • Financial protection against losses due to damaged or stolen  two wheeler vehicle 
  • Hassle –free claim settlement process with a network of 3800+ cashless repairers
  • 24/7 claim support excellent customer service


What will happen when the customer sells his bike?

If you sell your bike to another person, the two wheeler insurance policy can be transferred in the name of the buyer. The buyer (transferee) has to apply for transfer of bike Insurance with us, within 14 days from the date of transfer of the vehicle in his name. If you want to substitute another two wheeler of your in this policy, the policy will not be transferred to the buyer. The buyer (transferee) has to buy fresh bike insurance.


How is the value of the vehicle (IDV - Insured Declared Value) determined for two wheeler insurance?

The IDV of two wheeler is to be fixed based on the manufacturer's listed selling
price of the brand and model, as the vehicle proposed for insurance at the commencement  of insurance/ renewal and adjusted for depreciation. The schedule of depreciation for arriving at IDV is a below::

Age of the Vehicle % of Depreciation for fixing IDV
Not exceeding 6 months 5%
Exceeding 6 months but not exceeding 1 year 20%
Exceeding 1 year but not exceeding 2 years 15%
Exceeding 2 years but not exceeding 3 years 30%
Exceeding 3 years but not exceeding 4 years 40%
Exceeding 4 years but not exceeding 5 years 50%



What are the discounts allowed under Bharti AXA two wheeler insurance?

The discounts are on No Claim Bonus offered on two wheeler insurance.


What are the benefits of buying two wheeler insurance online?

The online advantage enables you to buy the policy through web instantly, save time
and save money. You can calculate your two wheeler insurance premium online and buy with the same quote within seven days. You can enjoy hassle free buying without
any paperwork. You can buy Bharti AXA two wheeler insurance policy online using
credit/debit card or net banking.


Why do I need two wheeler insurance?

The law in the country makes it compulsory to insure your two-wheeler. The compulsory nature of the law protects you against third party liability. Two wheeler insurance protects this asset and helps you in coping with the financial loss caused by accidents, damage, or theft. Another reason is that while driving, you are responsible for the safety of:

  • Your passengers
  • Your fellow drivers
  • Other people's property
  • Pedestrians
  • Yourself

Two wheeler insurance helps cover the costs of potential damages or injuries in case of an unforeseen accident or theft.



Can I cancel the bike insurance policy during the tenure of the policy?

You can cancel your bike insurance policy during the tenure of the plan. This is possible only if certain conditions are satisfied by the policyholder. They are as follows:

1. You may get the policy annulled if you have not raised any claims during the term of the policy on the insured vehicle.

2. You must be able to produce valid documentary evidence that an alternative bike insurance coverage is in place for the two-wheeler question prior to the cancellation of the current policy.

3. If it is a case of ownership transfer, the existing policy can only be cancelled only if an alternative arrangement of an insurance policy has been made by the new owner. Documentary evidence must be produced towards the same that the two-wheeler is secure against third-party liabilities.


What information do I need to submit to buy two wheeler insurance online?

There is minimal documentation involved to purchase your two-wheeler insurance online. The majority of insurance companies only need you to share your basic personal details along with information of the two-wheeler that you want to get insured.

You will need to share the following details:

  • Personal information
  • Driving license information
  • Bike engine number
  • Chassis number
  • Registration number
  • Vehicle manufacturing date at the time of purchase
  • RC book for your two-wheeler


Can A Customer Cancel His Policy During The Tenure Of His Policy?

Yes. There are certain factors to be kept in mind and checked at the time of two wheeler insurance policy cancellation, but it is possible for a customer to cancel his policy during the tenure of the policy.  

  • First the customer needs to contact his insurance provider and place a request for cancellation of his insurance policy.
  • Before going ahead with cancelling the policy, the customer should enquire and get clarity about the dues settlement and premium refund procedure with his insurance company.  
  • The premium is typically refunded on a pro-rata basis and in compliance with other terms and conditions as mentioned in the policy document.
  • Typically insurance companies allow an existing policy to be cancelled if the customer has not made a claim during the policy tenure.
  • Some insurance companies may charge a cancellation fee. 
  • Once the customer’s cancellation request has been processed and the necessary documents are submitted to the insurance company, the cancellation is usually done within a week or so.
  • Along with the premium refund as applicable, the customer will also receive a policy cancellation certificate. 

Finally, while it is the decision of the customer to cancel an existing insurance policy, it should always be a well thought through decision. Two wheeler insurance is mandatory by law. Buying a new two wheeler insurance policy and insurance renewal should be done timely.


What is long-term two wheeler insurance policy?

Most people tend to forget the renewal dates of their two wheeler insurance policies. In spite of reminder emails and alerts from the insurance company, they may still fail to renew it on time. The good news is that you can now buy two wheeler insurance for 2 and 3 years at a stretch. You can also do two wheeler insurance renewal online for these many years. Also, according to the latest announcement from IRDAI following a Supreme Court order, it is mandatory for scooter/bike owner to buy long-term third party insurance. The benefits of buying a long-term policy are:

•            More Savings

IRDAI revises third-party premiums every year. The hike in premiums can cost you more. However, a long-term policy saves you from this hike. What is more, you even get a discount of 10% and 20% on 2 &3-year policies.

•            Long-Term Protection

You can have a peace of mind on-road and off-road knowing that you and your vehicle are protected for 2-3 years. The insurance company gives you a single policy document with a straight validity of 2-3 years.

•            Avail Better NCB discounts

Even if you make a single claim, NCB becomes zero percent in a single-year policy. However, in a long-term policy, NCB reduces to the previous percentage slab and does not become nil in spite of making a claim.

•            No More Yearly Renewals

There is a huge risk to your life and vehicle if you drive it during the policy lapse period. 2 &3-year policy ensure that you don't have to worry about annual scooter/bike insurance renewals.


How insured can obtain a duplicate two wheeler insurance policy? What are the charges?

To obtain a duplicate two wheeler insurance policy, reach us at 1800-103-2292 (Toll free) and get assistance from customer service representative. The charges to obtain duplicate two wheeler insurance policy is Rs. 50.


What is an endorsement?

An endorsement is a written evidence of an agreed change in the policy. It is a document that incorporates changes in the terms of the policy.


Can I pay two wheeler insurance premiums in instalments?

As per section VB64 of Insurance Act, 1938 no risk can be resumed unless premium
is received in advance. Hence, full two wheeler insurance premium needs to be collected before the start of policy.


Can I get my money/unused premium refunded?

Refund is possible only when the two wheeler insurance policy is cancelled. The refund essentially depends upon the company and would be on short rate period. You must check the short rate calculations before cancelling his policy. You need to provide alternate copy of policy covering TP risks to cancel the policy.


What is the period for which two wheeler insurance policies is issued?

For a new Bike: It is 5 year TP , 1year OD+5year TP, and 5year OD +5year TP. 
For Old Bike: 1 year TP, 1 year OD +TP, 2year OD, 2 ysar OD+2year TP, and 3 year TP + 3year OD


How is the two wheeler insurance premium affected?

Two-wheeler insurance premium can be impacted by a number of factors. These include:

1. Type of Insurance Policy: Third-party liability insurance offers basic protection against third party damages. The comprehensive insurance plan providers a 360 degree security, hence making the premium more expensive.

2. Type and Condition of the Two-Wheeler: The bike engine’s cubic capacity differs from model to model. Those two-wheelers with higher cubic capacity will draw a greater insurance premium.

3. Risk Evaluation: Parameters like the driver’s age, gender, driving experience and record helps insurance companies to assess the risk factor involved at the time of issuing the policy.

4. Two-Wheeler’s Market Value: The brand, age, the bike’s functionality and resale value are contributing factors that impact two-wheeler insurance premium.

5. Add-on Covers: Adding extras such as zero depreciation cover, personal accident cover, medical cover and cashless hospitalization cover attracts a higher premium.

6. Modifications Done on Bike: Adding modifications to enhance the bike’s aesthetics and performance will require the policyholder to solicit another rider, plus the premium to secure coverage.


What are the factors that determine the premium rating for two wheelers?

A number of factors influence the insurance premium rating for your two wheeler. Knowing what these are can be useful to make an informed choice when choosing a two wheeler insurance policy.

Type and Details of Two Wheeler

All the technical details of the bike such as the make, model, fuel type, engine capacity, showroom cost, age of the bike and its usage, accessories and modifications added if any, are taken into consideration when deciding the premium.   

In general, certain makes and models, higher engine capacity, and the more expensive sports bikes and super bikes, lots of modifications done, tend to attract a higher rate of premium.  

RTO location

Place of registration of the two-wheeler also impacts the premium rating.

Type of Insurance Cover

The two wheeler insurance policy premium will also depend upon the type of cover you choose, the Insured Declared Value or IDV of the two wheeler, your claims history and any policy add-ons that you may have opted for.


In general, more comprehensive the coverage, the number and type of add-ons selected and higher the vehicle’s IDV, the premium could also increase accordingly.


How is the two-wheeler insurance premium calculated?

You can use Bharti AXA two-wheeler insurance premium calculator to get the value. Still, you should know which particular aspects affect your premium the most and how, they are:

  • Insured Declared Value: Insured Declared Value (IDV) is the present value of your vehicle. 
  • Type of Cover: The coverage of your insurance policy such as comprehensive coverage or third-party insurance. 
  • Type of Model: The model of your two-wheeler. 
  • No Claim Bonus (NCB): If your claims history suggests that you have had NCB then your premium will be lower compared to someone who has not had NCB. 
  • Registration Zone: Registration Zone is the area under which the two-wheeler is registered, for example premium could differ for a metropolitan city compared to a Tier 2 city. 
  • Manufacturing year of the two-wheeler: The old version of two-wheelers has low IDV. 
  • Cubic Capacity of the Two Wheeler


What are the factors affecting the premium amount in two-wheeler policy?

The following factors affect your two-wheeler premium: 
Manufacturing company of the two-wheeler,

  • Class of the two-wheeler (bike, scooter, etc.)
  • Fuel type of the two-wheeler (petrol)
  • Place of registration of the two-wheeler, 
  • Current showroom price of the two-wheeler,
  • Age of the two-wheeler,
  • Usage of the two-wheeler,
  • Modifications, if any, done in a two-wheeler,
  • Coverage of the insurance,
  • Type of two-wheeler insurance policy,
  • Model of the two-wheeler,
  • Insured Declared Value,
  • Cubic capacity of the engine, 
  • Claims history,
  • Insurance policy add-ons,
  • Claim history


Is my No Claim Bonus (NCB) transferable?

Yes, in case you are changing from any other insurance company to Bharti AXA GI and have accrued some NCB from them, you can get the same transferred in case your two wheeler is insured within 90 days of your renewal due date.


What is a premium?

Premium is the fixed amount of sum paid for a policy period by the insured to the insurance company for the benefits or covers availed to take insurance policy and to complete the contract of insurance. For buying and renewal of two- wheeler insurance online you can pay with credit card or net banking.


What can be done to renew my two wheeler insurance during corona virus lockdown?

As per the Indian Motor Tariff, it is mandatory for all vehicles to have at least a third-party insurance in place. So, the same rule applies even if your bike’s insurance policy is up for renewal during the Coronavirus lockdown.

The best to renew your policy is online. You can visit your insurance provider’s website to renew the policy directly on its platform. Alternatively, there are many credible third-party aggregator sites where you can renew your bike insurance conveniently.


How to renew two wheeler insurance online?

Remember that scooter/bike insurance renewal needs to be done a few days before it expires. If there is a time lag between the expiry and scooter/bike insurance renewal, you won't be able to get insurance benefits in the interim. 
You can do scooter/bike insurance renewal online by following the online process as mentioned on the Bharti AXA website. Just make sure you keep your personal, vehicle details and old policy details handy. You would be required to fill this information in the online form. Since you are making an electronic payment, also keep the credit card or net banking details ready so that you can pay timely before the login session expires. After you receive the insurance policy in the PDF form in your mailbox, save it. It is also advisable to take a printout and file it with your other important documents.


What is break-in-insurance? What should I do if I have a break-in-insurance?

Break-in-insurance is when the policy lapses due to non-renewal on time. Indian Motor Traffic law makes it compulsory to have two wheeler insurance with third party insurance at all times. In case of break in your two wheeler insurance, you can get in touch with our customer support at 1800-103-2292 (Toll free) to renew policy if it has been less than 90 days so that you may be able to retain your No Claim Bonus. You have to get your two wheeler inspected before purchasing the policy. 


What should I do if my previous bike insurance policy has already expired?

If your bike insurance policy has already expired, you have to obtain a fresh insurance. Due to the break in insurance the vehicle will be physically inspected by a company official or an authorized representative/agency. You can get the NCB transferred in case your two wheeler is insured within 90 days of your renewal due date.


When should I renew my two wheeler insurance?

You should renew your two wheeler insurance before expiry of the existing insurance. This keeps your vehicle insured against the risks without any break and retains the No Claim Bonus, which is the discount in premium for claim free year/s.


Can I renew my existing Bharti AXA two wheeler insurance policy or renew other insurer's policy online?

Yes. You can renew your expiring two wheeler insurance policy online from providing minimum details. Also enjoy the benefit of transferring up to 50% of No Claim Bonus earned by you.


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Bike Insurance Reviews and Ratings

Rated 4/5
Average Rating based on 5000+ Rating

I wanted to learn about the difference between third party and comprehensive bike insurance plan. I contacted the call center of Bharti AXA for details and was assisted very well. I finally bought the comprehensive policy, thanks to the guidance of the support executive.

Mridul Das

The process of buying bike insurance online at Bharti AXA was so easy and comfortable. Completed the entire process on their website

Ajay Gupte

The process of buying bike insurance online at Bharti AXA was so easy and comfortable. Completed the entire process on the website.

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I  wanted to buy a comprehensive two wheeler insurance policy for my Avenger. Got the best deal with maximum IDV and lowest premium with Bharti AXA. So, I went for it!

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