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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

Two Wheeler Insurance Coverages

  • What is Covered?
  • What is not Covered?

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


Natural Calamities

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


Man-made Disasters

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


Accidental Damages

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


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


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


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


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


Loss due to Nuclear/Radioactive Elements

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


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.

What our customers say ?

What our customers say

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 !.

Vidit says,

Shriram General Insurance has a very encouraging overseas travel insurance program for us. Overall it's very nice

Malik says,

I had some doubts when reading the terms and conditions of my travel insurance. I called the Shriram General Insurance helpline and they cleared up most of my doubts.

Prakash says,

SGI Health Insurance currently administers my health insurance policy. I still have a bonus and there hasn't been a claim. This insurance covers all hospitals for cashless payments. Customer support is excellent.

Apeksha says,

This group health insurance policy, which has a Rs. coverage amount, was obtained from Shriram General Insurance. They have connections with several hospitals and also offer cashless medical care.

Ashwin says,

“I am satisfied with Health insurance claim service” Got my Health  insurance policy claim. Thanks a lot for quick response. Great customer satisfaction policy

Chiranjeev says,

My Commercial Vehicle Insurance is the best. These are very good, helpful and wonderful people. I am pleased to join Shriram General Insurance commercial vehicle insurance plan.

Purushottam says,

For commercial vehicle insurance, I can suggest Shriram General Insurance with confidence. I'm relieved that my vehicle is now protected and secure, I appreciate Shriram General Insurance!

Santram says,

Shriram General Insurance provides me with a commercial vehicle insurance policy that fully protects the vehicle for a comparatively small outlay of money. Excellent customer satisfaction policy, I'm pleased!

Amritlal says,

After taking into account all other plans available, I decided to go with Shriram General Insurance for my personal insurance policy. I am extremely pleased with the outcome of my claim and the amount of time and accuracy put into it.

Meghna says,

Taken the personal insurance policy with Shriram General Insurance company around 5 years ago. My colleague is suggested me to take the policy from here. The claim ratio is more compared to others. This was taken for my family benefits and customer service is good. Thank you SGI!!

Mohan says,

Five years ago, I chose to invest in a personal insurance policy with Shriram General Insurance Company after being recommended by a colleague. They had one of the best claim ratios and the customer service is great. Taking out this policy has benefited my family immensely and I'd like to take this opportunity to thank Shriram General Insurance for their excellent services.

Akanksha says,

I recently took out a home insurance policy with Shriram General Insurance and it covers me if there is any destruction to my property due to natural disasters such as earthquakes. I am very pleased with their customer service and quick response times. This gives me peace of mind knowing that I have this policy in place.

Raveena says,

After consulting with many people, I chose to purchase my home insurance from Shriram General Insurance. The experience was quite pleasing & I am glad that I went with them as their policy has proven to be very satisfactory.

Tejas says,

Securing my future by taking home insurance from Shriram General Insurance was a great decision. Not only did I get protection from natural and man-made calamities, but the service provided was also excellent.

Shubham says,

The add-on covers on my policy were extremely helpful. I got my claim easily and also reserved my NCB.And Shriram has made it so easy to renew any policy online without any tussle, trouble.thank you Shriram General Insurance!

Amandeep says,

Shriram General Insurance Co. Ltd is a trustworthy partner to me. They have a sincere and genuine approach towards settling claims, which I highly appreciate and value. They made it easier for me to manage through the tough times.

Satyaprakash says,

Shriram General Insurance truly stands out with the great service they provide – claims are processed quickly and effortlessly. I am very appreciative of their support! The quick and stress-free claim process made life easier for me during a trying time.

Shakeel says,

Shriram General Insurance really offer affordable two wheeler insurance premium. When my bike was damaged in an accident, I was stressed out but their two wheeler insurance executive took care of the situation quickly & efficiently. Thanks to Shriram General Insurance!

Samantha says,

I recently got a two-wheeler insurance policy from Shriram General Insurance and had a great experience. The website was incredibly user-friendly and all the relevant information was easily accessible. I'm glad my two-wheeler is safe and secure now - thank you Shriram General Insurance!

Vandana says,

My friend working for Shriram General Insurance suggested I take out a two-wheeler insurance policy from them. I've been renewing it before its expiry ever since and have been pleased with the service.I recently visited their branch and decided to renew my policy with them. The reason I chose them was because they provide first-party insurance with utmost claim amounts, plus this policy includes bumper to bumper coverage.

Chetan says,

I was thoroughly satisfied with my decision to get car insurance from Shriram General Insurance. Not only did I find their rates quite reasonable, but the policy coverage was also adequate. I am especially impressed with how efficiently and smoothly they handled my claims.

Ankit says,

I can confidently recommend Shriram General Insurance for car insurance as I have been a loyal customer for the last 5 years. Their claims process is very efficient and they respond swiftly to their customers in comparison to the other providers.

Rahul says,

I recently switched to Shriram General Insurance for my car insurance and I'm glad I did. The customer service is great, and the policy was issued instantly. I am Very impressed with their services!
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