Two-Wheeler Insurance protects your bike or scooter from financial loss, accidents, theft, and legal liabilities. Whether you ride daily or occasionally, insurance keeps you safe, stress-free, and legally compliant.

With My Insurance Sathi, you get the right guidance, best coverage options, and quick support — all in one place.
Types of Two-Wheeler Insurance

🔹 Comprehensive Two-Wheeler Insurance

• Covers damage to your own bike
• Covers third-party injury or property damage
• Protection against accidents, theft, fire, and natural disasters
• Best option for complete safety

🔹 Third-Party Two-Wheeler Insurance

• Covers injury, death, or property damage to a third party
• Mandatory by law
• Cheapest insurance option

🔹 Own Damage Cover

• Covers damage to your own bike only
• Can be bought separately if third-party policy already exists
• Two-Wheeler Third-Party Insurance Premium
• (As per Government Rates)
• Third-party insurance premium for two-wheelers is fixed by the government and depends on engine capacity.

🔹Annual Third-Party Premium

• Up to 75 cc: ₹538
• 76 cc to 150 cc: ₹714
• 151 cc to 350 cc: ₹1,366
• Above 350 cc: ₹2,804
• These premiums are the same for all insurance companies.

🔹What Is Covered

• ✔ Road accidents and collision damage
• ✔ Theft or burglary
• ✔ Fire and explosion
• ✔ Natural disasters (flood, earthquake, cyclone)
• ✔ Riots, strikes, and vandalism
• ✔ Third-party property damage
• ✔ Third-party injury or death

🔹What Is Not Covered

• ✖ Drunk or illegal riding
• ✖ Riding without a valid driving license
• ✖ Normal wear and tear
• ✖ Mechanical or electrical breakdown
• ✖ Damage after policy expiry

🔹Add-On Covers (Optional)

• Zero Depreciation Cover
• Engine Protection Cover
• Roadside Assistance
• No Claim Bonus (NCB) Protection
• Personal Accident Cover
• Key & Lock Protection
• (Add-ons help reduce extra expenses during claims)

🔹Benefits of Two-Wheeler Insurance

• ✔ Protects you from high repair costs
• ✔ Mandatory as per motor law
• ✔ Cashless repair at network garages
• ✔ Easy and fast claim process
• ✔ Peace of mind while riding

🔹Why Choose My Insurance Sathi

• Best premium comparison
• Multiple insurer options
• Quick policy issuance
• Easy renewal reminders
• Full claim assistance
• Trusted insurance advisor

🔹Documents Required

• Registration Certificate (RC)
• Previous policy (for renewal)
• Bike details
• KYC documents

🔹How to Buy or Renew

• Step 1: Share your bike details
• Step 2: Compare the best plans
• Step 3: Choose coverage and add-ons
• Step 4: Make secure payment
• Step 5: Get policy instantly on WhatsApp or Email

🔹Who Should Buy Two-Wheeler Insurance?

• New bike or scooter owners
• Used two-wheeler buyers
• Daily commuters
• Long-distance riders
• Policy renewal customers

🔹Get Started Today

• Get Instant Quote
• Check Best Premium
• Renew Bike Policy
• Chat on WhatsApp
• Talk to an Insurance Expert