24*7 Claim Notifications

Almost 100% Paperless

Best Claim settlement Awards 2022

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

Types of Shriram Two-Wheeler Insurance

The scope of coverage of a Two-Wheeler Insurance policy will differ based on their chosen options. They are Comprehensive, Standalone Own Damage and Third-Party insurance policy

Third-Party Insurance

In India, it is mandatory to carry Third-Party Two-Wheeler Insurance according to Section 146 of the Motor Vehicles Act, 1988. A Third-Party (TP) two-wheeler insurance protects the bike owner from third-party liabilities. The Shriram Two-Wheeler Insurance policy provides coverage if your vehicle damages another person's vehicle/property or causes injury/death to another person. In case your vehicle causes third-party property damage, Shriram General Insurance Company will offer compensation up to Rs. 100,000/- for Two-Wheelers. And also provides unlimited personal liability coverage, i.e. whatever the court awards as the liability to the third-party due to accidental death or injuries caused by the insured vehicle

Coverage includes

Third-Party Injury or Death
Third-Party Property Damages

Standalone Own Damage Insurance

Shriram Standalone Own Damage (OD) insurance policy aids in protecting your two-wheeler from damages due to various unforeseen mishaps like accidents, theft, natural and man-made disasters. A Standalone Own Damage insurance policy covers the vehicle owner and his vehicle from such damages. It does not cover any third-party liabilities arising due to an accident. Hence, Third-Party two-wheeler insurance policy is mandatory before purchasing a Standalone Own Damage insurance policy

Coverage includes:

- Accidental Damages
- Natural Calamities
- Man-made Disasters
- Theft
- Fire
- Strike/Riot
- Add-ons*

Comprehensive Insurance

All of the coverage provided by Third-Party and Own Damage cover (damage/losses to your two-wheeler) are included in Comprehensive Two-Wheeler Insurance. Compulsory Personal Accident (CPA) coverage of Rs. 15 Lakh is always included with Shriram Comprehensive Two-Wheeler Insurance policy. A comprehensive insurance policy provides coverage for third-party liabilities and own damage accidents like theft of the insured bike, accidental damage, fire damage, natural calamities (such as floods, storms and earthquakes) and man-made disasters (such as riots and strike)

- Third-Party Injury or Death
- Third-Party Property Damages
- Accidental Damages
- Natural Calamities
- Man-made Disasters
- Theft
- Fire
- Strike/Riot
- Add-ons*

Long-Term Two-Wheeler Insurance

As per the latest circular by the IRDAI, on 1st September 2018, after honourable Supreme Court order, it is mandatory to have five years insurance policy for a new two-wheeler in India. At Shriram, a Long-term Two-Wheeler Insurance policy is available to cover your two-wheeler for two years, three years and five years in one go. The ideal reason is to combat the non-renewal of two-wheelers and encourage people to buy or renew mandatory Two-Wheeler Insurance (TP liability policy) on time. Though, Two-Wheeler Insurance for three years is not compulsory for older vehicles. Still, investing in Long-term Insurance cover is a wise choice because it offers multiple benefits on the two-wheeler insurance policy premium . Also, it helps defend the yearly increases in third-party premiums

Benefits of Long-Term Two-Wheeler Insurance

if you are one of those who skips renewing the bike insurance policy on time, a Long-Term Two-Wheeler Insurance policy is the right choice for you

Most Convenient Process
Dismiss Yearly Renewal
Avoid Non-Renewal Risks
NCB on Own Damage Premium
Saves Money and Time

Benefits of Long-Term Two-Wheeler Insurance

Shriram Two-Wheeler Insurance Add-on Covers

Choose any add-on or all of them at an additional premium for additional protection

Personal Accident Cover

It is mandatory to have a Personal Accident Cover as per Indian law. It provides coverage for any bodily injury or death of the owner-driver in case of unfortunate events

Roadside Assistance

In case of an accident or breakdown, Roadside Assistance cover will provide the insured with immediate assistance. It includes providing vehicle breakdown support to the insured, tyre repair service, battery jump-start assistance and towing facility to the nearest garage

PA Cover for Passengers (Unnamed Persons)

A PA Passenger Cover provides additional coverage at an additional premium. It protects your co-rider when they are met with any unforeseen accidents on the road

Motor Protection

In the event of a two-wheeler accident involving an insured vehicle, Shriram Two-Wheeler Insurance policy provides the insured with an advocate to guide and defend before the police and judicial magistrates

Hospital Daily Cash Allowance

In case of any accidental injury involving an insured vehicle leading to hospitalisation as an inpatient, we will pay an amount of Rs. 1500/- daily for a maximum of up to 30 days (T&C apply). The reimbursement can be claimed post-discharge from the hospital by submitting the required documents

Cover for Loss of Driving License and
Registration Certificate

If the insured loses their official driving license (DL) or registration certificate (RC) or both, we will provide compensation of up to Rs. 500/- or actual costs, whichever is lower, to get a duplicate copy of the DL/RC

Daily Expenses Reimbursement

The insured will get daily expense reimbursement as mentioned in the policy to meet the cost of hired transport when the vehicle is damaged. This is applicable when the insured vehicle must be laid up in an authorised garage/service station for repairs of accidental damages for more than three day

Personal Belongings Cover

In the event of a loss or damage to the personal belongings, you will be compensated for the loss with the support of personal belongings add-on cover.

Frequently Asked Questions

What are the benefits of opting add-on cover?

One can enhance the benefits of a Shriram Comprehensive Two-Wheeler Insurance policy by purchasing add-ons. An add-on cover will give maximum coverage to the insured for an additional premium. Some of the add-ons are Motor Protection, PA for Unnamed Persons and Zero Depreciation

What is 1 year comprehensive bike insurance?

A comprehensive bike insurance policy for one year covers both third-party liabilities and own damage to the insured bike. Accidents, theft, natural disasters, and man-made calamities are covered by the policy.

What is comprehensive and 3rd party insurance for bike?

The Comprehensive policy covers third-party liability and any damages caused to the insured bike as a result of accidents, theft, natural disasters, and man-made calamities. A Third-Party policy, however, covers only third-party liabilities, such as property damage, bodily injury, and death resulting from an accident.

What is a standalone own-damage two wheeler insurance policy?

Own-damage two-wheeler insurance covers only your bike's own damages, such as those caused by accidents, theft, natural disasters, and man-made catastrophes.

What is third-party two wheeler insurance, and how is it different from comprehensive insurance?

Typical Comprehensive policies cover both third-party liabilities and damage to the insured bike caused by accidents, theft, natural disasters, and man-made calamities. A Third-Party policy covers only the liability of third parties, including property damage, bodily injury, or death resulting from an accident with the insured bike.

What are the different types of two wheeler insurance policies available?

Two-wheeler insurance policies can be classified into three types:

Standalone Own Damage
Third-Party Insurance
Comprehensive Insurance

What our customers say ?

4.6

1753+ Customer Ratings

View all

MARCUS MANOHAR PARKHE

Mr. Khalil, your Executive was very coperative. the overall experience was very good. Thank you.

ANIL KUMAR HP

Good

VAISHALI VAIBHAVKUMAR PANDYA

very good

CHAUDHARI JASAVANTKUMAR

Good

AKRAM KHAN

Good

Blogs

Top 10 Issues and Solutions for Your Car's AC Not Cooling

Posted on 2026-01-07 08:43:37

Indian summers mean scorching heat, extreme humidity, and hot air flowing all around. If you drive long hours during the summer, you will need a well-functioning AC to keep you cool. However, you may experience discomfort if your car’s AC stops cooling for any reason, including refrigerant leaks, electrical faults, and faulty sensors. Whatever be the reason for improper functioning, you can always fix every issue with the right approach. In this blog, we have shared a list of the top 10 car AC problems and their solutions, so you can enjoy pleasant summer drives.

Why Does a Car Stop When You Apply the Brakes? Explained Simply

Posted on 2026-01-06 08:51:38

You’re driving at your usual speed, but you abruptly apply the brakes to avoid hitting someone who suddenly appears on the road ahead. While pressing the brakes certainly stops the vehicle, have you ever wondered how your foot’s little pressure can stop a multi-ton vehicle? The answer is it doesn’t. It’s the hydraulic brake system which multiplies your foot pressure to create friction between the wheels and the road. This pressure engages the car’s brake pads, which produce the friction required to slow or stop a vehicle. The science behind ‘how car brakes work?’ is fascinating, but it can be too technical for people to understand. Hence, in this blog, we’ve simplified the mechanism that runs your car’s braking system so you can better understand your car.

Common Causes of Hard Car Steering Wheels

Posted on 2026-01-05 11:05:10

If you have to apply more force to turn your steering wheel, it’s your car’s way of saying that something is wrong. In this blog, we have disclosed the common causes of a hard car steering wheel that may be making your steering wheel stiffer.

View all

Bike Insurance in Indian Cities

Bike insurance in agra

Bike insurance in delhi

Bike insurance in coimbatore

Bike Insurance in Bangalore

Bike insurance in dehradun

Bike insurance in jaipur

Bike Insurance in Indore

bike insurance in ahmedabad

Bike insurance in pune

Bike insurance in gurgaon

Bike insurance in mumbai

Bike insurance in Bhopal

Quick renewal

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.

Helpline Number

180030030000 18001033009

For Hassle free rides, Stay protected with
Shriram Bike Insurance