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  • Overview
  • Features And Benefits
  • Third-Party Two-Wheeler Insurance
  • Comprehensive Two-Wheeler Insurance
  • Calculate Premium
  • Save On Premium
  • Renewal Benefits
  • IDV in Bike Insurance
  • NCB
  • Zero Depreciation Bike Insurance
  • Roadside Assistance
  • New Bike Insurance
  • Engine Protection Cover add-on
  • Deductibles
  • Types of Shriram Two-Wheeler Insurance
  • Coverages
  • Compare Plan
  • Premium Components
  • Eligibility and Required Documents
  • Buy / Renew
  • Claim Process
  • Bike Insurance Premium Calculator
  • Terminologies
  • Policy Download
  • FAQs
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Two Wheeler Insurance Coverages

  • What is Covered?
  • What is not Covered?
01

Loss or Damage to your Vehicle

The policy covers you against any loss or damage caused to the vehicle due to the following natural and man-made calamities

02

Natural Calamities

Fire, explosion, self-ignition or lightning, earthquakes, floods, typhoon, hurricane, storms, tempest, inundation, cyclones, hailstorm, frost, landslides or rockslides

03

Man-made Disasters

Riot, strike, malicious act, accident by external means, terrorist activity and other violent activities

04

Accidental Damages

Burglary, theft, any damage in transit by road, rail, inland waterway, lift, elevator or air

05

Third-Party Personal Liability

Unlimited liability coverage, i.e. whatever the court awards as your liability to the third-party vehicle owner due to accidental death or injuries caused by your vehicle, will be met by the insurer

06

Third-Party Property Liability

In case your vehicle causes third-party property damage, the insurer will offer compensation up to Rs. 100,000/- for two-wheelers

01

Accident due to External Factors

Accidental loss or damage to the insured or any person driving with the knowledge and consent of the insured under the influence of intoxicating liquor or drugs or wilful negligence

02

Vehicles Outside the Defined Territory

Loss or liability while the vehicle is used outside the scope of limitations of use and/or being driven by a person not duly licensed

03

Loss due to Nuclear/Radioactive Elements

Loss connected to nuclear or radioactivity or war and related activities is not covered under this policy

04

Other Damages

Consequential loss, depreciation, wear & tear, mechanical and electrical breakdown/failure or breakages will not be covered by the Shriram Two-Wheeler Insurance


Frequently Asked Questions

Can a pillion driver be covered under a comprehensive/package two-wheeler insurance policy?

The pillion rider is not covered under a comprehensive two-wheeler policy, but you can get Pillion Cover by paying an additional premium. The Sum Insured can range from Rs. 10000/- to Rs. 200000/- (in multiples of 10000 only)

How does Third-Party (TP) two-wheeler insurance cover work?

A Third-Party two-wheeler insurance policy protects the insured from legal liability, including death/bodily injury to a third party or damage to their property

what are the risks covered by a comprehensive two-wheeler policy?

A comprehensive two-wheeler insurance policy in India covers various risks such as accidental damage, theft, natural disasters like floods, earthquakes, storms, and man-made disasters like riots, strikes, etc. It also covers third-party liability for bodily injury, death, and property damage caused by the insured vehicle.

Does insurance cover bike damage?

Yes, bike damage is typically covered by insurance, provided it is caused by a covered peril such as an accident, theft, or natural calamities.

what all is included in bike insurance?

There are three types of bike insurance in India : third-party liability, comprehensive coverage, and own damage coverage.

Does bike insurance cover engine repair?

Comprehensive motorcycle insurance plans exclude coverage for the engine of the vehicle, so if an unfortunate mishap occurs, you will be faced with unexpected expenses. An engine protection cover for bikes will protect you if you incur repair/replacement costs due to lubricant leakage, water intrusion or hydrostatic lock.

Does own damage cover theft?

The purpose of own damage coverage is to cover any losses sustained by the insured bike due to unforeseen events, such as accidents, earthquakes, theft, riots, fire, etc.

Does personal accident cover bike insurance?

Personal accident insurance for two-wheelers provides compensation for accidents and deaths to the vehicle owner or dependents.

What are deductibles in Two-Wheeler Insurance?

A deductible refers to the fixed amount of money that you must pay out of pocket for each claim before your insurance provider covers the remaining expenses.

Does comprehensive two-wheeler insurance provide full coverage?

Comprehensive coverage typically includes damages caused by accidents, natural disasters, theft, fire, riots, and third-party liability.

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