Two Wheeler Insurance Plans in Delhi

Why to take Two-Wheeler/Bike Insurance in Delhi? Insurance is a term that gives self-satisfaction, a satisfaction of finances and legalities. Is it necessary to have two-wheeler insurance in Delhi? What is the necessity of insuring a two-wheeler in Delhi?

Delhi is the UT of more than 3 crore people, a huge population with heavy traffic and in this the chances of an accident automatically uphill. As per a report, Delhi is one of the most vulnerable disaster-prone UT. Earthquakes and floods can be a major factor that can affect the life of Delhi, disaster not only affects the life of humans but also affect their belongings. We do understand the value of your bike. We understand your obsession with your bike. So to ensure the safety you must have a two-wheeler insurance.

Accident cover SGI
Theft cover shriramgi
naural disaster cover shriram general insruance
PA cover 2w insurance sgi
third party cover two wheeler insurance sgi

Two Wheeler Insurance - Additional Covers

Addon electrical and electronic accessories in sgi two wheeler insurance
2w addon geographical extension cover SGI
two wheeler pillion cover addon SGI

Why to choose SGI for your Two-wheeler insurance?

Online insurance – Shriram General Insurance provides you with the facility of online insurance. This is one of the simple and easy ways to insure your two-wheeler. For insuring your two-wheeler, you simply have to visit the website of Shriram General Insurance and buya two-wheeler insurance Here you will find the different sections of insurance. Pick the right section and follow the steps.
No Claim Bonus (NCB) – Under this offer the company provides you with a discount on the premium for your Two-wheeler Insurance. Delhi is a place where Comprehensive insurance is needed the most, Delhi is one of the overcrowded cities of India and this leads to a chance of a high riskof accident. The comprehensive insurance will be the best choice for a bike owner and the NCB will be very helpful for the insurance.

Simple Renewal Process – We understand the value of your bike and Shriram General Insurance provide you with an easy and simple renewal process so that you can avoid any type of fine from the RTO department.

Hassle-Free Claim process – As this is one of the main and most important processes of insurance, the SGI provide you simplest claim process.

What are the Two-wheeler Plans that SGI provides you in Delhi?

SGI provide you with two different types of Two-wheeler Insurance plan in Delhi that will help you to protect you from third-party liability and from the natural and man-made calamities. These plans are: -

Third-Party Insurance – This policy provides you protection against third-party liabilities. It covers the compensation against the loss of third-party damage and also provides you with legal assistance.

Although Third-party Insurance is mandatory as per the Motor Vehicle Insurance Act 1988.

Comprehensive Insurance – A full protection of your bike against perils and also from third-party liability. SGI will be there to compensate you for any type of calamity whether it is own damage or third party liability on your bike. Comprehensive Bike insurance Delhi is so important because it stands with all the misshaping and is ready to serve you.

How to file for a Claim

For filing a Bike Insurance claim in Delhi, you have to follow some of the easy steps. This will be an easy and hassle-free process. The steps you should follow for the claim are as follows: -

Immediately Inform the Insurer

The very first step of filing for the claim is to inform the insurer about the incident. If possible then it’s recommended to take some photos of the event place and the condition of the vehicle. This will further help to process the claim.

Report the police as FIR

An FIR is mandatory in case it is required. There are many cases in which the insurer will ask for police verification, for instance, if your bike is stolen then the insurer will ask for the FIR report.

Pick the Bike to nearest Garage

If your bike is not in the condition to start then use any towing services and pick the bike to the nearest garage, if the garage will be certified then it would be a better choice.

Submit Document

The insurer will ask for all the required documents. This can be the RC of the bike, driving licence of the rider, copy of policy etc. The insurer wants all the documents for processing the insurance claim.

Insurer surveys

The insurer will allocate a survey for surveying the condition of the bike. In this, all parts will be closely examined and approved for replacement or for repair.

Claim settlement

In the end, the insurer will settle the claim amount. If the garage is authorized by the SGI then the process will be simple and the amount will be delivered directly to the garage’s account and if the garage is not authenticated then the claim will be settled by the medium of the customer.

What are the challenges that are faced by the bike owner in Delhi?

Delhi is the capital of India, this huge tag gives huge problem too, if you own a two-wheeler in Delhi then there are many problems that you have to keep in mind, these are: -


Delhi gives a huge number of thieves. More than 90 vehicles are stolen every day as per the Hindustan Times report. In this case, the Two-wheeler Bike insurance will protect you from financial loss.

Uneven Road

The uneven road is a big problem for every citizen in Delhi. As this is the capital of India, bit there are many areas where you will find uneven or under-construction roads. This issue can lead to an accident and this again can cost you for your health as well as your vehicle. The Bike insurance will cover compensation for the loss of your bike as well as for you under Personal Accident Insurance.


Delhi is one of the most densely populated cities in India. This brings huge traffic to the city. So, it is the biggest problem for the people in Delhi.

Bike Insurance In Other Cities


Frequently Asked Questions (FAQs)

Is it necessary to have a two-wheeler insurance in Delhi?

As per the government Motor Vehicle Act 1988, it is mandatory to have a third-party insurance for every vehicle. So yes you must insure your vehicle. But if you want to insure your vehicle with full protection then we would like to recommend you to have comprehensive insurance.

Which is the suitable Two-wheeler insurance plan for Delhi Bikers?

If you are looking for third party damage compensation, then third-party insurance will be okay. But if you want to protect your bike from misshaping then the comprehensive insurance is the best policy for you.

What are the risks that are covered under the Comprehensive Insurance policy?

Comprehensive Insurance covers own damage as well as third-party insurance. Under this policy, the perils that are covered are man-made and natural perils. Accidents, fire, flood, thunder lightning, theft, etc are the perils that are covered under the Comprehensive Insurance plan.

Written By: Shriram General Insurance - Updated: July 2022

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Shriram General Insurance Co. Ltd. (In partnership with Sanlam, South Africa)
E-8, EPIP, RIICO Industrial Area, Sitapura, Jaipur - 302022 (Raj.)
Toll free: 1800-300-30000(Policy Holders), 1800-103-3009(Others) Fax: 0141-2770692, 2770693

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