- General wear and tear, consequential loss and mechanical/electrical breakdown of the bike due to ageing.
- Damages due to riding without a helmet or a valid driving licence.
- Damages due to riding under the influence of intoxicants and narcotics.
- Damage caused to the bike when used for racing, reliability trials, speed tests, etc.
- Damages due to riding under restricted usage conditions, such as driving in a flood-prone area (contributory negligence).
- Damages due to riding a private bike for commercial purposes.
- Damages to your own bike (own damage cover) in case you only have third-party insurance cover.
- Damages to the bike if it is used outside the specified geographical boundaries, i.e., outside the boundaries of India.
- Damages caused by war, war-like operations, mutiny or nuclear perils.
- Personal accident cover for the owner-driver if it is not opted for.
- Damages due to housebreaking, burglary, or theft attempts if the bike is not actually stolen.
Two Wheeler Insurance
Bike insurance
Why necessary?
Who should buy?
Plans offered
What types
Key features
comparison
Insurance for EV
What’s covered
What’s not covered
Add-ons covers
Benefits
Things to keep in mind
How to buy online?
Benefits of renewing
How to renew?
KYC Documents
Buy/renew old policy
Renew expired insurance
Two wheeler claims
Documents for filing claim
Factors affecting insurance
Calculate premium
Reducing premium
Price list
What impacts IDV
Zero dep
Why TATA AIG insurance
Terminologies
FAQ’s
What is Bike Insurance?
Bike insurance is a type of insurance policy that offers financial protection against damage to your two-wheeler. This covers the cost of repairs of your damaged bike and offers compensation in case the damage is beyond repair or theft. The damages or loss could be due to various reasons, such as accidents, natural disasters and theft.
In addition, it covers repair expenses arising from an accident caused to someone else’s bike, property or body by your insured bike. This includes legal expenses, the cost of repairing damaged property, and financial compensation in case of third-party injuries or death.
Why Is Bike Insurance Necessary?
For Legal Compliance
Riding your bike without a valid third-party two-wheeler insurance policy is illegal and can lead to serious consequences as per the Motor Vehicles Act 1988. Further, as per the Supreme Court order of 2018, all new two-wheelers must have a 5-year third-party insurance policy. If you opt for a comprehensive bike insurance policy, the policy duration can be three years.
Financial Coverage Against Theft
If your bike is stolen or is damaged beyond repair, it is considered a total loss. Recovering from a total loss of a vehicle can be overwhelming and create a huge financial burden. But with a two-wheeler insurance policy, the cost of replacing your vehicle is covered.
Coverage Against Natural and Man-Made Disasters
Natural disasters, such as floods, lightning, cyclones, and storms and man-made acts of violence, such as terrorism and vandalism, can cause severe damage to your bike. A bike insurance policy offers comprehensive protection against these risks.
For Personal Accident Cover
If you meet with an unfortunate road accident that causes injuries or even death, it affects you and your family. Thus, as per IRDAI, it is mandatory to have a personal accident (PA) cover. If you do not have PA cover in place, you can get the PA cover of up to ₹15 lakhs with us to cover medical expenses.
Who Should Buy Two-Wheeler Insurance?
Two-wheeler insurance is essential for anyone who owns a bike, whether it is for personal or commercial use. However, it is particularly important for the following categories of riders to buy bike insurance.
1
New Bike Owners
According to Indian regulations, it is mandatory to get at least a third-party bike insurance policy when you purchase a new bike.
2
Daily Commuters
Students, professionals, and others who ride their bikes every day for routine activities are exposed to accidental risks, making bike insurance essential.
3
Long Distance Riders
Bike enthusiasts who frequently travel or go on long road trips are exposed to higher risks of accidents, engine breakdowns, tyre damage, etc., making bike insurance more than essential.
4
Beginner Riders
New riders are more prone to accidents while learning, which can result in colliding with other vehicles, denting your own vehicle while riding or parking, etc. Having bike insurance offers a safety net to new riders.
5
Professional Delivery Riders
Delivery riders often ride under pressure in every weather to deliver orders on time. This may lead to slips, accidental damage to other vehicles, tyre damage due to potholes, etc. Bike insurance coverage is crucial in such cases.
Types of Two-wheeler Insurance Plans Offered by TATA AIG
Comprehensive Bike Insurance Policy
Offers protection against third-party liabilities, as well as damage or loss to your own two-wheeler caused by accidents, theft, and natural or man-made disasters. It also includes a personal accident cover for the owner-driver.
It is ideal for riders seeking complete protection under one policy. Comprehensive bike insurance offers extensive coverage and a wide range of optional add-ons to further enhance and customise your coverage.
Standalone Own Damage Bike Insurance Policy
Offers exclusive coverage for your bike to cover damages caused by various risks, including fire, theft, man-made disasters (such as riots and strikes) and natural calamities (like earthquakes and floods). However, it does not cover third-party liabilities.
It is ideal for anyone who already has an active third-party insurance policy and wants complete protection for their bikes. So, if you have our 5-year third-party insurance with a 1-year own damage policy, you can secure coverage for the remaining four years by purchasing this plan separately each year.
Standalone Third-Party Bike Insurance Policy
Offers protection against third-party liabilities, including damage to other persons’ property, vehicles or bodily injuries. It is mandatory for all bike owners to have this coverage. However, do note that it does not cover damages to your own vehicle.
TATA AIG offers standalone third-party bike insurance policies for both 5 years and 3 years. You can also opt for a bundled two-wheeler insurance package that provides 5-year third-party cover and 1-year own damage cover.
What Types of Two-wheelers Can Be Insured with TATA AIG?
Bikes
Students, salaried employees, and everyone else who uses bikes, whether a Honda Shine
, a sports bike like the Kawasaki Ninja or a modern EV bike like the Revolt RV400, can insure their bike with us.
Electric Scooters
Most often used by elderly people and women, EV bikes like the Ola S1 Pro also require mandatory protection. Even when you don’t use your EV every day, it is essential that you insure your bike.
Mopeds
Lightweight two-wheelers, like the TVS Jupiter or the Scooty Pep, are often used for daily commutes. If you own a moped, you can secure mandatory as well as comprehensive protection with our plans.
Key Features of Bike Insurance By TATA AIG
Features of Bike Insurance
Benefits of Tata AIG Two-Wheeler Insurance
Savings on Premiums
Get up to 80% off on your two-wheeler premium payments . Learn more about our discounts while you buy bike insurance online
No Claim Bonus (NCB)
We offer a No Claim Bonus (NCB) discount starting at 20% on your bike insurance premiums for a claim-free year. Earn up to a 50% discount if you have 5 consecutive claim-free years.
Easy Claims
With a dedicated team of 750+ claim experts, experience a seamless claim process with the guidance and assistance from our experts.
Own Damage Cover for the Bike
We cover damage caused to your bike due to accidents, natural or man-made disasters.
Third-party Damage Cover
Get protection from damages caused to third-party property or injuries to third-party persons.
Theft Coverage
Receive the current market value in case of theft. Get the complete invoice cost reimbursed in such cases with add-ons like Return-to-Invoice Cover.
Choice of Unique Add-ons
Our wide range of 12 add-ons enhances your two-wheeler insurance policy to offer customised protection and maximum coverage.
Cashless Repairs
With over 4700+ network garages all over the country, we help you avail of cashless service for your bike’s repairs.
Quick Buying/Renewing Process
Buy a new TATA AIG vehicle insurance policy online on our website, or renew your policy online with us in a few quick and simple steps.
Third-Party vs Comprehensive vs Standalone Own Damage Bike Insurance
Motor insurance companies in India offer two-wheeler insurance online in two popular variants - comprehensive bike insurance and third-party bike insurance. Let us look at the difference between comprehensive and third-party bike insurance:
Parameters
Comprehensive Bike Insurance
Standalone Own Damage Bike Insurance
Third-Party Bike Insurance
What does it mean?
An all-round two-wheeler insurance cover that protects you, your vehicle and a third-party person/property from the financial damages caused.
It covers damages caused to the insured bike due to accidents, theft, natural or man-made disasters, etc.
Basic two-wheeler insurance coverage that covers the legal and financial liabilities arising from third-party damages.
Extent of coverage
Covers the damages caused to your bike, theft, third-party liabilities and an optional personal accident cover for the owner-driver.
It only covers repair expenses for your bike. It does not cover damages caused to other’s vehicles, property or bodily injury.
Covers the third-party liabilities arising from damages to a third party, their property or death caused by your vehicle.
Is it a legal mandate?
It is not mandatory according to the Motor Vehicles Act.
It is not mandatory under the Motor Vehicles Act.
It is mandatory for every vehicle owner in India.
How much does it cost?
Due to the wide coverage, this plan is more expensive than third-party two-wheeler insurance plans.
This costs more than the third-party insurance plan but less than the comprehensive plan.
This costs less as the premium prices depend only on the engine capacity and are the same across all insurers.
What is excluded from the coverage?
Does not cover deliberate damage, damage caused by driving under the influence of drugs/intoxicants, damage caused by illegal racing, etc.
Does not cover damages caused to other vehicles, persons or property.
Does not cover own damage to the vehicle or injuries to the owner-driver.
Can you include add-ons?
Yes, you can extend the coverage with our wide range of add-ons.
Yes, you can include add-ons with this plan.
Add-ons are not available with this plan.
Bike Insurance for Electric Vehicles
Electric bikes are becoming increasingly popular as people switch to cleaner, cost-efficient commuting. But with advanced high-voltage batteries and electronic parts, repairs can often be much more expensive than those for regular bikes. That’s where a specialised EV bike insurance policy comes in. It covers you against accidents, theft, fire, natural disasters like floods and man-made risks such as vandalism, while also offering protection against third-party liabilities.
Imagine riding during heavy rains, and waterlogging damages your bike’s battery - repairs could cost thousands. With EV insurance, those costs are taken care of. This makes EV insurance not just an option, but a necessity to safeguard your bike and your wallet.
What is Covered in our Two-wheeler Insurance Policy?
Damages and Loss to your Bike
Covers damages or losses to your bike caused by:
- Natural calamities such as floods, cyclones, earthquakes, snowfall, etc.
- Man-made damages from terrorist attacks, riots, strikes, other malicious activities, etc.
- Fire-related damages due to self-ignition, lightning, explosions, etc.
- Accidents and transit-related damages via air, waterways, railways, or roadways.
Theft of the Bike
Reimburses the current market value of the bike if it is stolen or declared a ‘total loss’ (damaged beyond repair).
Third-Party Liability
Covers damages to third-party property, bodily injuries, or death caused to someone else due to your insured vehicle, and the legal expenses arising from such incidents.
Personal Accident Cover for the Owner-Driver
Offers a Personal Accident Cover of ₹15 lakhs to the owner-driver. It covers medical expenses arising from accident-related injuries. And in the event of death, the appointed beneficiary will get the insured amount.
Specific Coverage Under the Add-ons
Provides a choice of 12 unique add-ons, such as the depreciation allowance cover, return-to-invoice cover, roadside assistance, etc., to enhance your bike insurance coverage.
Please note: Inclusions are subject to specific policy conditions. Refer to your policy document for complete details.
Ready to get insured?
Protect your vehicle and secure your future with the right plan.
What is Not Covered in our Two-Wheeler Insurance Policy?
Please note: This is only a general list of exclusions. Refer to your policy document for the complete and detailed list.
Two-Wheeler Insurance Add-on Covers
Enhance your Tata AIG comprehensive two wheeler insurance by choosing from a list of 8 unique bike insurance add-on covers:
1
Depreciation Allowance
This add-on, popularly known as Zero Depreciation or NIL Depreciation or Bumper-to-Bumper Cover, helps you get the entire claim amount without the deduction of depreciation. Without this add-on, the depreciation amount of replacement/repair of your bike’s parts is deducted from the claim amount. However, note that you can avail of this benefit only under the first two claims.
2
Return-to-Invoice Cover
This add-on helps you get the invoice cost of your vehicle as reimbursement in case of theft, total damage or constructive total damage. Without the add-on, you get the current market value, i.e., the Insured Declared Valuee (IDV) of the bike. But with this add-on, we will pay you the purchase cost of the bike, which is the on-road price of the bike (inclusive of road taxes and registration).
3
Emergency Medical Expenses
Get reimbursement of emergency medical expenses and ambulance costs for the damages caused in an accident. If an accident leaves you or the pillion rider injured, this add-on will help you avail of reimbursement for the medical expenses incurred in the medical treatment at any hospital or nursing home. It also includes the cost of moving you/pillion rider to the hospital.
4
Additional Personal Accident Cover for the Owner-Driver
This add-on is an additional Personal Accident Cover to safeguard you and your family in case of serious injuries or fatality caused by an accident. We recognise the additional risk of accidents involved when riding a bike. With this add-on, we will pay a predetermined amount to your family in case an accident proves to be fatal. The amount provided under this add-on will be over and above the standard vehicle insurance sum assured.
5
Additional Third-Party Property Damage Cover
Get more coverage for 3rd party damage than what you normally get with the standard third-party cover with this add-on. Third-party liabilities are already included in both comprehensive and third-party two-wheeler insurance cover. However, you can buy this add-on if you wish to avail of an additional cover for the 3rd party liabilities.
6
Consumables Expenses
If an accident damages or leads to the loss of certain bike consumables, we will reimburse the costs of replacing, replenishing or repairing them with this add-on. The covered consumables include engine oil, gear box oil, lubricants, nut & bolt, screw, distilled water grease, oil filter, bearings, washers, clip, break oil, air conditioner gas and such other consumables, excluding fuel.
7
Roadside Assistance
There is nothing worse than an amazing bike ride marred by the breakdown of the vehicle in the middle of the road. Don’t worry; roadside assistance is on the way! With this add-on, we will send immediate breakdown assistance to your location to take care of a variety of issues such as flat tyre, dead battery, fuel requirement, mechanical/electrical repairs, etc. We also offer on-the-spot repairs under certain circumstances so that you are up and zooming through your journey in no time!
8
Electric Surge Secure
This add-on covers your electric vehicle and approved charging equipment if they get damaged or destroyed due to short circuits, electricity leakage, arcing, overheating or water entering the system while charging. It is available for vehicles up to 5 years old, and the maximum amount is up to the IDV mentioned in your policy.
9
Depreciation Allowance- Battery
This add-on helps you get the claim amount without the deductions due to depreciation that is usually cut when your EV battery is replaced after an accident or damage. This reduces your out-of-pocket expenses with a nominal deductible that you choose during the policy purchase.
10
Engine Secure
This add-on covers repair costs if your engine, gearbox or transmission gets damaged due to water entering the engine or leakage of lubricant. It also pays for the lubricating oils/consumables used during repairs, such as engine oil, gear box oil etc., except for fuel. This protects you from expensive repair bills and helps keep your vehicle running smoothly.
11
Tyre and Rim Secure
This add-on covers the cost of repairing or replacing your tyres and rims if they get damaged due to accidents, potholes, road debris or blowouts. It also includes labour and consumable charges. This helps reduce out-of-pocket expenses and keeps your two-wheeler safe and ready to be driven.
12
Additional Personal Accident Cover to Unnamed Persons
In case of an unfortunate accident resulting in injury or death, this add-on will offer coverage for anyone driving or travelling in your insured vehicle. This add-on provides an additional benefit that goes beyond the standard ₹1 Lakh limit, extending up to ₹5 Lakh.
Benefits of Buying Bike Insurance Online from TATA AIG
- Quick & Hassle-Free Process
Renew or buy your bike insurance in just a few minutes online. Skip the queues and paperwork and get covered instantly from the comfort of your home.
- 24×7 Customer Support
Our support team is available round the clock to resolve queries or guide you through claims. No matter the hour, help is always just a call or click away.
- Flexible Coverage Options
Choose from third-party, own-damage or comprehensive plans as per your needs. Customise your plan further with 8+ unique add-ons for complete protection.
High Claim Settlement Ratio
With a strong track record of settling claims quickly and fairly, TATA AIG gives you the confidence that your finances are in safe hands.
Extensive Cashless Garage Network
Get access to 4,700+ garages across India for repairs and maintenance. Enjoy seamless 2-wheeler insurance online cashless claim settlements wherever you ride.
Instant Digital Access
Your policy documents are delivered instantly to your inbox after purchase. You can store them safely online and access them anytime you need.
Secure & Transparent Process
Every online transaction is encrypted and secure, keeping your personal and payment details safe. You also enjoy complete transparency on premiums and coverage.
Eco-Friendly & Paperless
Go digital while buying two-wheeler insurance and eliminate the need for physical paperwork. Save time, reduce clutter and contribute to a greener environment with every policy purchase.
Things to Keep in Mind While Buying Bike Insurance Online
When buying a bike insurance policy, keeping a few essentials in mind helps you choose the right cover:
Understand Policy Types
Choose your bike insurance plan depending on your coverage needs.
Look for Add-ons
Opt for useful add-ons like zero depreciation, roadside assistance or engine protection for wider coverage.
NCB Benefits
Check No Claim Bonus discounts offered on claim-free years to save on renewal premiums.
Coverage for EVs
If you own an electric bike, ensure the policy includes protection for batteries, motors, and charging units.
Online Convenience
Buy bike insurance online to compare plans, customize coverage, and complete the process instantly.
Claim Process & Support
Review the insurer’s claim settlement ratio and customer support for a hassle-free experience.
How to Buy Bike Insurance Online?
Step 1
Input the Bike Registration Number and select ‘Get Price’ to buy two-wheeler insurance as per your policy needs
Step 2
Fill up the bike and personal details as prompted by the screen. Also, select the policy coverage and add-ons of your choice.
Step 3
You will get an instant premium quote for 2-wheeler insurance online. If you are satisfied with the quote, you can proceed to pay the premium online.
Benefits of Renewing Bike Insurance Online
How to Renew Bike Insurance?
Visit Website
Go to the official TATA AIG website and select “Renew” and from the dropdown select “Bike” for a quick two-wheeler insurance renewal online.
Input Details
Enter your bike’s registration number (as per the example displayed on the screen) or your 10-digit policy number for bike insurance renewal online.
Review/Modify
Review your existing policy, modify it if needed by adding add-ons or changing the IDV. Confirm your choice and complete payment online.
KYC Documents Required to Buy/Renew Bike Policy
Please Note: This is in a general list of documents. You may need to submit additional documents, depending on the choice of plan and your bike’s make and model.How to Buy or Renew an Old Bike Insurance Policy?
Owning an old bike doesn’t mean compromising on protection. Old bike’s insurance policy ensures financial security against accidents, theft and third-party liabilities; while also helping you follow the legal requirements on the road.
Depreciation
As your bike ages, its Insured Declared Value (IDV) reduces due to depreciation. This directly impacts the premium as well as the maximum claim amount in case of total loss.
Usage
If your old bike is used frequently for daily commutes, comprehensive coverage is advisable. For rarely used bikes, third-party insurance may be a cost-effective choice.
Comparison of Policies
Always compare multiple plans on our website. Check premiums, policy tenure and add-on options to ensure your old bike gets the right level of protection at the best price.
By evaluating these factors, you can make an informed choice that balances affordability with complete security.
How to Renew Expired Bike Insurance Online?
At TATA AIG, we help you renew your expired policy - from TATA AIG as well as from other insurance providers, with a quick and easy two-wheeler insurance renewal procedure.
1
Step1
Fill in your vehicle registration number. Click on ‘Renew’ to renew your expired bike insurance policy from TATA AIG. To renew the expired two-wheeler insurance of other providers, click on ‘Get Price.’
2
Step 2
Provide your bike details and some personal information. Submit the details about any claims made in the previous policy tenure, along with the previous policy expiry date (TATA AIG or other).
3
Step 3
Select the Insured Declared Value (IDV) and No Claim Bonus (NCB), if applicable.
4
Step 4
Enter the details as prompted by the screen. Choose from the list of add-ons, such as Roadside Assistance Cover, Return to Invoice Cover, Consumables Cover, etc.
5
Step 5
Your bike insurance premium will be generated and displayed on the screen. Click on Pay Now. Make your payment online, and your expired two-wheeler insurance policy is renewed with TATA AIG!
Note: If you miss renewing your two-wheeler insurance policy, you get a Grace Period of 90 days to renew without losing out on any benefits, especially the accumulated NCB.How to File a Two Wheeler Insurance Claim?
Tata AIG offers a quick and easy claims process to ensure that your claim is filed and processed hassle-free. To file your bike insurance claim with us, follow the given steps:
1
Inform Us and Register Your Claim
\n
\n
\n
\nIn case of an accident, ensure that you are in a safe place and get any injuries tended to. In case of theft of the vehicle, make sure to file an FIR with the police and get a No Trace Report before filing the claim.
\n
\nTo file a bike insurance claim, go to our Claims Support page or call us on 1800-266-7780. If you choose to file your two-wheeler claim online, simply fill in all the necessary information as prompted by the screen. We will forward you a link for self-inspection on your registered mobile number after receiving your claim request.\n
\n
2
Get your vehicle inspected
Use the self-inspection form to fill in the details of the damages to your two-wheeler through your smartphone. Additionally, we will dispatch one of our surveyors to inspect and prepare a damage report.
3
Choose between cashless claims or reimbursement
We offer a wide network of garages, and you will find one near you, wherever you are. If you take your bike to a network garage, you can file for a cashless claim. However, if you wish to take your bike to a non-network garage, you will have to bear the expenses and then file for a reimbursement claim.
4
Collect and keep all the critical claim documents ready
Make sure to keep all the necessary documents ready. The important documents needed to file a claim are:
- Insurance claim form, signed by the insurer and the insured.
- RC copy of the bike
- Receipt for tax payment of the bike
- A copy of identity proofs such as a driving license, PAN card, Aadhar card and so on
- Copy of the original insurance policy of the bike
- Original receipts of the estimate and invoice for the repairs
- FIR copy in case of theft, third party damage, injury to third party or death
- Legal notice (if any) in case of third-party claims
- Hospital bills in case of personal accident claims
- RTO transfer papers
- Garage repair receipts if you took the vehicle to a non-network garage and are filing for reimbursement
- Any No Trace Report provided by the police and the letter submitted to the RTO for theft of the bike.
5
Get Claim Registration Number
Once you have successfully filed your claim with us, we will provide you with a Claim Registration Number. Keep it safe for any further communication regarding the claim.
6
You can track the status of your claim
While we ensure quick claim settlement, you can track the status of your claim any time after filing it. Click <a href="https://www.tataaig.com/claims-process\">here to track your claim.
7
Claim verification and settlement
We will go through your claim details and the documents to verify if it falls under the purview of our guidelines and is within the scope of your policy coverage. On successful verification, we will settle your two wheeler insurance claim.
Why Choose Two Wheeler Insurance?
These days, two-wheeler insurance policies are packed with features to provide complete protection not just to your bike but also to you, the pillion rider and third-party individuals and vehicles. Here are the top features of two wheeler insurance online:
You can choose between a third-party (liability-only) or a comprehensive bike insurance policy. While the former covers only third-party damages, the latter offers more extensive coverage. As per the Motor Vehicle Act in India, every bike owner must have at least a third-party or liability cover. In contrast, a comprehensive two wheeler insurance policy also covers damages to the policyholder’s vehicle, along with a personal accident cover for the owner-driver and a basic third-party cover.
If you have a bike insurance policy, you can be covered under the inbuilt and mandatory personal accident cover of ₹15 lakhs, according to the IRDAI.
Optional coverage or an add-on cover cost an extra premium but help provide additional cover to your bike over your comprehensive two wheeler insurance policy. You can choose from our various unique add-ons like Return to Invoice, Depreciation Reimbursement, Key Replacement, Engine Secure and more.
If you purchase a new two-wheeler,, the NCB or No Claim Bonus discount from your policy can be transferred since this discount is given to the policyholder for being a safe rider and not to the vehicle.
Insurance providers enable policy buyers to purchase or renew their two-wheeler insurance policy online through their website or through mobile applications. Not only does this make the purchasing and renewal process smoother, but it also helps the customer access all the information as well as policy documents, through a single channel.
By purchasing or renewing an online two-wheeler insurance policy, one can avail of different discounts on their insurance premiums. Apart from the No Claim Bonus that offers annual discounts on the insurance premium for every claim-free year, there are other discounts offered online during the purchase or renewal of your two wheeler policy. This is because an online bike insurance policy purchase helps the insurers avoid overhead costs and also save on the use of paper.
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