Bike Insurance in Meerut

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Bike Insurance in Meerut

Meerut is a city in Uttar Pradesh known for its historical monuments and fast-paced development. Due to the growing population, the number of vehicles on the road has also increased, leading to traffic congestion.

The significant traffic issue causes accidents and other vehicle-related problems. That's why the regional road and transport authority of Meerut has made a third-party bike insurance policy mandatory. This guide will help you understand the best bike insurance in Meerut.

All About Bike Insurance in Meerut and Why You Need One

Bike insurance in Meerut is a two-wheeler policy that protects the vehicle from various unforeseen damages as per the policy condition. It provides financial aid to vehicle owners against various damages.

Different types of insurance for two-wheelers are available, depending on the individual's needs. These include third-party bike insurance policies, standalone own-damage policies, and comprehensive bike insurance policies.

Moreover, since the demand for electric vehicles has substantially increased, motor insurance policies for such vehicles are also necessary.

Problems Faced by Bike Owners in Meerut

Following are the common issues faced by bike owners in Meerut:

Road Accidents: Road accidents are one of the significant issues faced by vehicle owners in almost every part of India, including Meerut. The reason for road accidents can be unskillful drivers, the influence of intoxicating substances, etc.

Traffic Rule Violations: Traffic rule violations are another major issue faced by the citizens of Meerut. This generally happens due to a lack of traffic rule knowledge. Further, vehicle owners in Meerut also take traffic rules lightly, leading to traffic congestion issues.

Poor Road Conditions: This is another issue faced by the vehicle owner due to poor road conditions in Meerut. Potholes, road debris, obscured signs, etc., are common road problems.

Vehicle Skidding: During the monsoon or rainy season, vehicle skidding is another significant problem for vehicle owners in Meerut. This not only causes injuries to vehicle owners but also damages the vehicles.

Tata AIG Bike Insurance in Meerut

Based on the vehicle owner's needs, Tata AIG offers different kinds of bike insurance in Meerut.

Tata AIG Third-Party Bike Insurance

It is the mandatory two-wheeler insurance plan in India which offers coverage against third party damage to vehicles or property by the insured vehicle. This Tata AIG bike insurance in Meerut also offers protection to cover legal costs arising due to accidents.

Key Inclusions and Exclusions:

Third-Party Inclusions Third-Party Exclusions
Third-party vehicle damage Own-damage cover
Third-party property damage Theft of vehicle
Legal expenses Injury to rider
Riders or Add-ons

Ideal For: It is mandatory insurance for two-wheelers, ideal for individuals who only need basic coverage.

Tata AIG Standalone Own Damage Cover Bike Insurance

This is another two-wheeler insurance that offers protection to insured vehicles against damage and theft.

Key Inclusions and Exclusions:

Own Damage Inclusions Own Damage Exclusions
Man-made damages Third-Party liability
Natural damages Geographical restriction
Accidental damages Driving without a driving licence
Theft Driving under the influence of an intoxicating substance.

Ideal For: This Tata AIG bike insurance in Meerut is suitable for individuals living in accident-prone areas.

Tata AIG Comprehensive Bike Insurance

This is the bike insurance policy that offers broad coverage to vehicle owners against various damages, including natural disasters, man-made damages, etc. The bike insurance plan also covers third-party and own vehicle damage cover.

Key Inclusions and Exclusions:

Comprehensive Bike Insurance Inclusions Comprehensive Bike Insurance Exclusions
Personal accident cover Driving without a driving licence.
Natural damages Driving under the influence of an intoxicating substance.
Man-made damages Geographical restrictions
Riders or Add-ons Ordinary wear and tear.

Ideal For: This bike insurance policy is ideal for vehicle owners who look for advanced vehicle protection against various damages.

Best Bike Insurance in Meerut: Third-Party Vs Standalone Own Damage vs Comprehensive Bike Insurance


What is the Two-Wheeler Insurance Rate in Meerut?

Several factors affected the two-wheeler insurance rate in Meerut. Some of these factors are listed below:

Engine capacity: A bike's engine capacity affects its two-wheeler insurance rate or premium. High-premium bikes with higher cubic capacity engines will have higher premiums compared to lower-cc engines.

Make and model of bike: The make and model of the vehicle also affects the bike insurance premium. A new vehicle with high-end components and parts usually has a higher premium.

Insured declared value: Knowing what IDV means in bike insurance is also essential, as it affects the premium. The insured declared value is the maximum cost the insurance provider will pay for the total loss and damage beyond repair to vehicles. The premium for bike insurance will be high if the IDV is high.

Plan type and add-ons: Different bike insurance plans are available based on individual needs. The policy premium may vary depending on the plan type and riders. Since third-party bike insurance has limited coverage, the premium is lower compared to a comprehensive bike insurance policy.

No-claim bonus: The no-claim bonus, which is the discount offered by the insurance company on the policy premium if the policyholder has not raised a claim for consecutive years, also affects the bike insurance policy premium.

Third-Party Bike Insurance Premium Rates

The Insurance Regulatory and Development Authority of India designs the premium rates of third-party bike insurance policies. The policy premium depends on various factors, such as geographical location, engine cubic capacity, and more.

How to Choose the Best Bike Insurance Policy in Meerut?

When it comes to picking the best bike insurance in Meerut, some of the points need to be kept in mind, such as:

Coverage: One critical requirement in choosing two-wheeler insurance in Meerut is the policy coverage. Since there are different bike insurance plans available, the coverage for each plan also varies. It is best to select the bike insurance plan that fits your requirements.

Add-ons: Another deciding factor when choosing two-wheeler insurance in Meerut is the availability of add-ons with the plan. It is a voluntary offering that enhances vehicle protection and coverage. When purchasing a bike insurance policy, go with an insurance provider that offers add-ons with a plan.

Premium: The plan's premium is also crucial when choosing bike insurance. It is suitable to choose the plan that fits the budget. The insurance companies offer a bike insurance calculator on their website to calculate the plan premium before the purchase.

Claim settlement ratio: The insurance company's claim process should be hassle-free and smooth. That is why it is crucial to check a company's claim settlement ratio before purchase. A high CSR generally means a smooth claim process.

Why Should You Choose Online Bike Insurance Policies?

Individuals can purchase bike insurance plans online and offline. Some of the standard benefits of purchasing a bike insurance plan online are:

Digital Process: The whole process of purchasing a bike insurance policy will be digital without any paperwork. Individuals can purchase a suitable bike insurance plan in just a couple of minutes.

Cost-effective: Another benefit of purchasing a bike insurance policy online is the cost-effective pricing of plans. The insurance provider offers massive discounts, and the premium prices are also very competitive.

Convenience: Individuals can easily buy a bike insurance plan online in just a few minutes from the comfort of their homes. Tata AIG is a reputable insurance provider that offers different online bike insurance plans.

Why Choose Tata AIG's Two-Wheeler Insurance in Meerut?

When it comes to choosing a bike insurance plan, Tata AIG is a reputable name that has been in the market for over 20 years. Below are some of the benefits of choosing Tata AIG's two-wheeler insurance in Meerut:

Comprehensive coverage: One of the significant benefits of purchasing two-wheeler insurance from Tata AIG is comprehensive coverage against various kinds of damages, such as natural, man-made and more.

Customisation benefit: We offer custom or tailor-made bike insurance plans to individuals based on their needs.

Unique add-ons: To enhance vehicle protection, we have a unique set of add-ons for a policyholder.

Network garages: We have a tie up with 7500+ garages all across the country to offer cashless repair services to the policyholder.

High claim-settlement ratio: We at Tata AIG offer a claim-settlement ratio of 99% for filed claims.

Key Features and Benefits of Tata AIG's Bike Insurance in Meerut

Parameters Third-Party Two-wheeler Insurance Standalone Own Damage Two-wheeler Insurance Comprehensive Two-wheeler Insurance
Coverage It offers coverage for third-party and property damages. It offers coverage for insured vehicle losses and damages. It offers enhanced coverage against various vehicle losses and damages.
Legal Compliance Yes No No
Customisation Benefit Not Available Available Available
Add-ons or Riders Not Available Available Available
Premium Low Moderate High
Key Features and Benefits Details
Comprehensive coverage Tata AIG offers comprehensive coverage to policyholders against various natural and man-made damages.
Quick Renewing or Buying Process Individuals can easily buy or renew bike insurance in Meerut by visiting our website and following a few simple steps.
Easy Claim Procedure At Tata AIG, the claim process is very straightforward. We have 650+ claim experts in our team to offer a seamless experience to policyholders.
Network Garages We have a network of 7500+ network garages all across the country to offer cashless repair service to policyholders.
High Claim Settlement Ratio Tata AIG has a claim settlement ratio of 99% for the last financial year.

Best Bike Insurance Add-Ons to Get in Meerut

Emergency Medical Expenses: This is a crucial add-on offered by Tata AIG, where the rider and pillion rider will get their medical expenses covered, such as ambulance charges, hospital bills, etc., in case of an accident.

Roadside Assistance: In this type of add-on, the policyholder will get assistance from the company in case of fuel requirement, dead battery or more.

Consumables Expenses: Under this add-on, policyholders will get vehicle-damaged consumables repaired or replaced.

Depreciation Allowance: This add-on assures policyholders that the vehicle's depreciation cost will not be deducted at the time of claim filing.

How to Buy and Apply for Bike Insurance Renewals in Meerut?

Individuals can buy or renew bike insurance policies from the Tata AIG website by following these listed **Steps.

How to Buy New Bike Insurance in Meerut?

Step 1: To buy the best bike insurance in Meerut, go to the official Tata AIG website.

Step 2: Scroll to the "All Product" section.

Step 3: Next, in the "Motor Insurance" section, click on the "Bike Insurance" choice.

Step 4: Enter the bike registration number and click on the "Get Price" button.

Step 5: The plan price will appear. After that, select the insured declared value from the available options.

Step 6: Include the add-ons in a plan if needed.

Step 7: Review the policy premium price and details.

Step 8: Next, after reviewing, fill out the basic information and upload documents for buying a bike insurance plan.

Step 9: Next, pay the bike insurance policy premium.

Step 10: Upon successful payment, the purchased policy will be sent to the registered email address.

How to Do Bike Insurance Renewal in Meerut?

Step 1: To do a bike insurance renewal, visit the Tata AIG website.

Step 2: Go to the "All Products" section.

Step 3: Next, select "Motor Insurance".

Step 4: Under the option, go for the "Bike Insurance" option.

Step 5: Next, fill out the bike registration number and then click on the "Renew" button.

Step 6: The policy premium will appear. Add or remove any add-ons as per your need.

Step 7: Next, choose the IDV based on requirement.

Step 8: Review if NCB from last year is applicable.

Step 9: After that, fill out the basic details for renewing the policy.

Step 10: Next, pay the bike insurance renewal price.

Step 11: After the successful payment, the renewed policy will be sent via email.

How to File a Claim for Two-Wheeler Insurance in Meerut with Tata AIG

When it comes to filing a claim for two-wheeler insurance in Meerut, Tata AIG offers two claim procedures.

Reimbursement Bike Insurance Claim

  • Go to the official Tata AIG claim page or contact their representative via email or call.

  • Notify the representative about the accident. Provide details about the accident, your plan, your vehicle type, etc.

  • After getting the official request, the company will assign a surveyor to do the vehicle inspection for the damages incurred.

  • After that, the policyholder can send the vehicle for repair in any of their known garages.

  • Once the vehicle is repaired, policyholders need to file a claim request by uploading all the documents, such as the policy document, bill of repairs, FIR copy, and more.

  • The surveyor will also submit the report to the insurance company.

  • After verifying all the documents, the company will approve or reject the claim request.

  • If the claim is approved, the reimbursement amount will be processed within a few days.

Cashless Bike Insurance Claim

  • After the accident, policyholders need to inform the company about the incident within 48 hours.

  • Ensure to provide all the details about the incident to the representative.

  • The company after receiving the cashless claim request, will assign a surveyor for assessing the damage caused to the vehicle.

  • After the successful assessment, the damaged bike will be sent to any nearby network garage.

  • Once the repair is done, policyholders can take their vehicle home without paying anything. The insurance company will pay the bills directly to the garage.

Documents Needed for Bike Insurance Policy Claims in Meerut

  • Duly filled and signed claim form.

  • Driving licence copy.

  • Vehicle registration copy.

  • FIR copy if required.

  • Repair bills.

  • Any other document asked by a representative.

Tata AIG Cashless Garages in Meerut

The cashless garage offers cashless repair services to policyholders for damaged vehicle repair. Tata AIG has a network of 7500+ garages spread all around the country. Please note that the benefit is only available with the comprehensive bike insurance plan offered by Tata AIG.

To avail of the service, policyholders need to visit the website to locate the nearest cashless garage in Meerut. By entering the city name, e.g., Meerut, they will know the cashless garage available in the city with the address.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

Related Articles

How much will bike insurance cost in Meerut?

How much will bike insurance cost in Meerut?


The bike insurance rate in Meerut may vary depending on the policy type, coverage, add-ons and more.

How to find suitable bike insurance near me?


To find a suitable bike insurance policy in Meerut online, visit the Tata AIG website and compare our bike plans based on coverage, premium, add-ons, etc.

Is 5 years of insurance mandatory for bikes in Meerut?


Yes, for a new bike, a 5-year purchased plan of a third-party bike insurance policy in Meerut is mandatory.