Divyansh says,
Shriram General Insurance is the best travel insurance and i can confidently recommend.Truly the best online travel insurance site in India. Thanks to Shriram General Insurance !.
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A two-wheeler insurance policy protects bike owners against unforeseen expenses in the event of an accident, theft, natural and man-made disasters
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Third-Party coverage is mandatory according to Section 146 of the Motor Vehicles Act, 1988. The TP policy only covers the third-party liabilities (vehicle & injury to the opponent vehicle owner).
An Own Damage (OD) cover is focused on insuring your vehicle against damages arising from accidents, calamities and so on
A Comprehensive Coverage provides benefits of Third-Party cover and Own Damage cover. With Shriram Comprehensive policy, choose add-ons to enhance your coverage
Shriram Two-Wheeler Insurance premiums are determined by variables such as vehicle make, model/variant, year of manufacture, Insured Declared Value (IDV) , insurance plan opted and add-on coverages
Two-wheeler insurance premiums are calculated based on the make and model of the vehicle
The manufacturing year of the vehicle is an essential factor in determining the IDV of the vehicle
The Insured Declared Value (IDV) represents the vehicle's current value. IDV is the maximum amount the insurer will pay in the event of a total loss
In India, two-wheeler insurance is mandatory. The premium for Third-Party two-wheeler insurance is determined by the bike's cubic capacity. Two-wheeler stand-alone own damage insurance premiums differ from company to company
Add-ons can be selected based on individual needs. The total premium paid will be the sum of the basic policy and add-ons
An insured who has not claimed their own damages for the previous policy period can get a Own Damage premium
With Shriram General Insurance's digital-friendly platform, renewing a bike insurance policy is simple and easy. With just a few clicks, one can purchase or renew their two-wheeler insurance anywhere, anytime. Online renewal offers the following benefits:
There are several ways to save the cost of your two-wheeler insurance premiums . By taking these factors into consideration, individuals can save on their spending on two-wheeler insurance premiums
Shriram General Insurance offers various two-wheeler insurance plans . It is up to the insured whether to protect their vehicle with third-party insurance or comprehensive insurance. But it is advisable to get comprehensive two-wheeler insurance policy for better coverage
Make sure you are cautious when purchasing add-ons. It is recommended to buy add-ons only if they are needed. Adding random add-ons to a two-wheeler insurance policy will increase the premiums
A deductible is the amount of money you must pay out of pocket toward a claim before your insurance company will cover the rest. The higher your deductible, the lower your premium, but also keep in mind one has to be prepared to pay more out of pocket during a claim
If you have never claimed any own damages from your insurance company in the previous policy period, you are capable of getting a No Claim Bonus on Own-Damage premium during policy renewal
According to Section 146 of the Motor Vehicles Act, 1988, it is mandatory to get a Third-Party (TP) two-wheeler insurance cover. Comprehensive Insurance provides coverage for Own Damage and Third-Party damages due to unforeseen disasters
Renew your policy before the expiry of the existing policy. Renewing on time keeps your vehicle protected against risk without any break-ins. You can also benefit from a No Claim Bonus (NCB) for claim-free years on your Own Damage premium
To reimburse personal accident hospital expenses, you must take Compulsory Personal Accident (CPA) cover. One can buy CPA coverage along with the standard insurance policy for additional cost
If your bike insurance policy expires, you will no longer be protected against any damages, losses, or liabilities that may arise due to accidents, theft, or other unforeseen events. In case of an accident or damage to your bike during the period of non-coverage, you will have to bear the repair costs and any other liabilities that may arise.
In September 2018, the Supreme Court ordered IRDAI to mandate 5-year insurance coverage for all new two-wheelers. The objective is to ensure maximum two-wheeler insurance coverage and to reduce the number of lapsed, expired, and uninsured vehicles. It is important to note that TP bike insurance coverage is only required for 5 years.
A bike insurance policy keeps an individual from incurring unforeseen expenses in the event of an accident or theft. When an accident occurs, a third-party bike insurance policy helps pay for the damages to the other vehicle involved in the accident (the third party).
There are no restrictions on the number of claims you can submit in a year. It is important to remember that raising a claim once will affect the No Claim Bonus (NCB), and multiple claims within the same policy year will increase the premiums.
There are several ways to save money on two-wheeler insurance. The first step is to compare insurance policies from different insurers and choose the one with the most coverage at the lowest premium. Another advantage is that long-term policies are affordable. The premium amount can also be reduced by installing anti-theft devices.
Yes. Under the Motor Vehicles Act, 1988, you must have a third-party bike insurance before riding a two-wheeler
Insurance policies for bikes cost between Rs 1,001 and Rs 5,000 on average in India.
Grace period is a 30-day extension given to policyholders after their policies expire. Some insurers even offer longer periods so that you can renew your two-wheeler insurance without any stress.
Add-on coverage is an option for extending coverage of a standard two-wheeler insurance policy against the payment of an additional premium. It is possible to purchase these add-ons with comprehensive bike insurance plans and standalone own-damage bike insurance plans.
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IRDAI Consumer Education:- Insurance is the subject matter of solicitation. IRDAI Registration Number - 137. CIN No. U66010RJ2006PLC029979. BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.
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