Two Wheeler Insurance

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The Story So Far

Two-wheeler vehicles are a part of our household today. Almost 80% of the vehicle market share consist of two-wheelers.In India, for every 1000 people there are 100 two-wheelers[1&2].The alarming fact is that 12% to 13% of this vehicles get stolen annually. On an average 326 two-wheelers are stolen every day [3&4}. Yet many of the two-wheeler owners choose third party insurance instead of two wheeler insurance. One such individual is of Vimal. 



Vimal, aged 27, left his hometown a few years ago to pursue his career. After his post graduation, he took up a banking job in the city.  Two years after using public transportation for commuting, he decided to purchase a two-wheeler. After saving his salary regularly, he purchased a bike. However, to save on the insurance premium, he chose third party insurance for the vehicle. This proved to be a costly mistake.
One morning, when Vimal had to make an important presentation at work, he could not find  his bike. As he was staying in a rented accommodation, he used to park his vehicle outside the compound of the house where stayed. At that point of time, Vimal was in a fix, the presentation was equally important and so was locating his bike. Eventually, he had to give up the search. Many months passed and he had to let go of any hopes of finding his bike.  What hurt him the most was the refusal of the insurance company to pay any compensation. Selecting third party insurance was the reason for this turn of events. Dejected, Vimal continued with his job using public transportation for commuting. 

Vimal is not alone, there are many like him who choose third party insurance instead of choosing a complete and comprehensive plan. These individuals take a lot of risk on themselves with regards to the vehicle. Take Vimal’s case, due to the theft he had to bear a major loss. Only after one and half years could he buy himself a new bike. Till date, there has been no trace of his bike.

The Need For Two-Wheeler Insurance

As per Motor Vehicles Act in India, it is compulsory to have a third party insurance for every vehicle you own. However, as we have seen Vimal’s story, we can understand the complexities of having a third party insurance. Having a comprehensive two-wheeler insurance plan protects your vehicle against many unfavourable events that it is exposed to. Some of these include theft and damage due to accidental or other events. 
The insurance covers the expenses incurred due to the loss or damage to the two-wheeler. Had Vimal taken a comprehensive bike insurance, his loss would have been covered. The client meeting would be the only thing he would have to worry about. 


Bharti AXA Two Wheeler Insurance


Our insurance service is backed by an expert team who always ready to assist you in the best possible way in case of an unfortunate event. What’s more, with our Personal Accident Cover, both the driver and the pillion are covered against an accident. It provides a lump sum compensation of Rs. 1 lac in case of death or disability. 


Here are some of the features which make purchasing Bharti AXA two-wheeler insurance policy online easy. 

Instant policy: If you have the necessary details ready, we will have your bike insurance policy ready quicker than you think. Get your car insurance quote online here.
No paperwork: Because we know you would rather take your loved ones out for some fun, instead.
Simplified process: We have made the car insurance purchase, renewal, and claim process online effortless. 
Quick renewal: Bike insurance renewal will only take less than 2 minutes online. 

Advantages of buying a Long Term Two Wheeler Package Policy (for 2 years or 3 years)

Two Wheeler Long Term Package Policy for two or three years covers your entire two wheeler requirement. Our Two Wheeler Long Term Package Policy gives you two or three years of renewal-free insurance and lets you save on premiums in the process.

  • No hassles of annual renewals
  • Enjoy No claim bonus (NCB) for your claim free years
  • Reap the benefits of your hard earned NCB. When you claim, the NCB slab reduces to the previous value, and not nil*
  • Longer protection at no additional costs, irrespective of any changes to third party premium during your policy period*
  • More savings with long term discount of 10% and 20% for 2 year and 3 year policies respectively built in their premium*

*Available on 2 year & 3 year Long Term Two Wheeler Package Policy

Refer Two Wheeler Long Term Package Policy Wordings (PDF, 288 KB) for more details.

Please see Product brochure for Long Term Two Wheeler Policy (PDF, 1080 KB)


Know what motor bike insurance covers
Inclusions Exclusions

1. Loss or damage to the insured vehicle due to :

  • Fire/Earthquake/Flood/Cyclone
  • Accident/Terrorism/Riots/Strikes
  • Accident by external means
  • Transit by road, rail, inland waterways, air or lift

2. Personal Accident Cover for Owner
DriverCompensation for death injury/death sustained by the owner-driver of the insured car caused due to violent, accidental, external and visible means while travelling in the vehicle or during mounting into/dismounting from the car.

3. Third Party Bodily Injury Liability
Compensation for damage or liability causing bodily injury or death to another person will be taken care of by Bharti AXA General Insurance.

4. Property Damage Liability
Compensation for damage or liability to other's property will be as per legal proceedings, subject to the limits mentioned in the policy.

1. Common wear and tear of the vehicle

2. Loss or damage due to depreciation of vehicle

3. Electrical & mechanical breakdown

4. Loss or damage incurred outside the geographical area of India

5. Loss or damage caused when driving under intoxication

6. Loss or damage caused by an unauthorized person without a valid driving license

7. Loss or damage due to nuclear risks

8. Vehicle being used otherwise than in accordance with restrictions as to use

Two-Wheeler Insurance Add-On Covers

Add-on Covers

The Bharti AXA two wheeler insurance addresses every safety and comfort needs of yours. But, we also understand different people have varied requirements based on their usage of the vehicle. And that is why we have designed the add-on covers in such a way that they address your specific requirements individually. What’s more, we do not offer a pack of mixed add-ons where you end up purchasing something you do not need. Instead, with us, you can customize your plan by choosing the add-on cover you think will best help you in the future. Choose from our add-on covers and make your motor bike insurance more comprehensive.

Frequently Asked Questions

Have a question on two-wheeler insurance, that will help you with the decision-making? Look at these Frequently Asked Questions and you may find the answer. These carefully selected questions will help you understand our products and services better. However if you still need more information, you can always contact us here. Our executives will be glad to assist you.

Frequently Asked Questions

Policy Renewal Reminder

Policy Renewal Reminder we understand that it is not way to remember your policy renewal date and that is why we have this unique facility called policy renewal reminder for us. Just fill in your details and we will remind you when your policy renewal date is near. Fields marked * are mandatory.


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