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Bike Insurance Protection Architecture
Bike Insurance · India

Premium Bike Insurance.
Built for Indian Roads.

Compare instant quotes from 11 certified insurance companies. Get honest advice, protect against traffic liabilities, and secure your policy with zero hidden fees.

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🏍️ Zero Depreciation
⚡ Protect from Challan
🔑 Return to Invoice
🛠️ RSA Support Cover
🏥 Cashless Claims
🩺 10,000+ Partners
⏳ Fast Settlement
🛡️ Claim Support
💎 No Hidden Charges
📊 Compare & Save
🤝 Trusted Advisors
TATA AIG Partner
HDFC Ergo Partner
ICICI Lombard Partner
Chola MS Partner
Bajaj Allianz Partner
Digit Insurance Partner
Zurich Kotak Partner
Oriental Ins. Partner
Magma Partner
Max Life Partner
National Ins. Partner
Liberty General Partner
IndusInd Bank Partner
Why Policy Total

Three steps.
Zero confusion.

Most automated platforms hand you an automated list and disappear. We act as your discrete architecture interface from comparison metrics to policy integration.

1

Share your bike details

Registration number, CC specifications, and previous policy status cleanly without paperwork headers.

2

We compare top quotes

We map your vehicle across 11+ top insurers to find the lowest premium without stripping away critical benefits.

3

Instant digital policy

Complete the layout payment and receive your legally compliant digital policy instantly. RTO clearances sorted.

Riding Uninsured Is Illegal in India

Every two-wheeler on public streets must maintain continuous valid protection. Under government tracking updates, penalties are strictly logged automatically.

Instant Claim Settlement Across Leading Bike Brands
Hero MotoCorp
Honda 2Wheelers
TVS Motor Company
Bajaj Auto
Royal Enfield
Yamaha India
Suzuki Motorcycle
KTM India
First Detection ₹2,000 Cash Fine

Enforced at roadside checks, alongside potential license hold holds up to 90 days.

Subsequent Check ₹4,000 Fine

Doubled parameters apply immediately with potential prison holding risks up to 3 months.

1+5 and 5+5 Plans Made Simple

IRDAI guidelines mandate a five-year foundational liability timeline for new two-wheelers. Select the ideal premium structure layout for your asset entry line:

1 Year Own Damage + 5 Years Third Party

1+5 Plan

Lower upfront premium layout. Provides you full flexibility to compare prices and switch insurer networks cleanly at your first year mark.

5 Years Own Damage + 5 Years Third Party

5+5 Plan

Total long-term peace of mind. Completely locks in your rate profiles to safeguard your budget against inflation adjustments over 60 months.

The Protection You Actually Deserve

Not every motorcycle inherits identical risk variables. We map your parameters to the discrete matrix that actually fits.

Mandatory Law

Third Party Coverage

Covers legal liabilities for third-party injuries or properties damaged by your ride. Mandatory under the Motor Vehicles Act. Does not insure damage sustained by your own motorcycle.

Third-party injury cover
Property damage security
From ₹843 + GST
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RECOMMENDED COVERAGE
Full Protection

Comprehensive Policy

Our ultimate security layout. Bundles standard third-party legal shelter together with own damage protection against road accidents, theft losses, fire outbreaks, and monsoons.

Zero Dep add-on eligible
Theft & accident recovery
Cashless network garage linkages
Maximum Value Protection
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Flexible Renewal

Standalone Own Damage

Insures physical damage repair costs for your own two-wheeler only. Ideal option for year 2 onwards once long-term bundled factory dealer packages run clear.

Custom premium scales
Fully preserves NCB percentages
Custom Premium Scale
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Continuous Claim Support

When things go wrong,
we don't disappear.

While primary insurance carriers preserve final authorization metrics on settlements, your family should never cross their bureaucratic networks alone. We act as your primary claim support team.

01

Dedicated Assistance

The moment an accident happens, notify us. We immediately help you initiate the cashless request with the network garage desk.

02

Survey Tracking

We actively track your vehicle damage assessment and survey files to minimize unnecessary clearance delays.

03

Document Guidance

We walk you through every required document and claim form parameters so the file is complete before final approval processing.

04

Settlement Escalation

If the insurer stalls post-repair, we step in as your direct advocate to accelerate final delivery parameters safely.

Fine-Print Transparency

Know your exact comprehensive coverage guidelines explicitly beforehand.

What is Covered

Accidental damage to your bike
Theft or total loss of vehicle
Fire and explosion damage
Natural calamities — floods, earthquake, cyclone
Third-party bodily injury and property damage
Personal accident cover for owner-rider (₹15 Lakh)
Damage from riots, strikes, and vandalism

What is Not Covered

✕ Riding under influence of alcohol or drugs
✕ Riding without a valid driving licence
✕ Mechanical or electrical breakdown structures
✕ General wear and tear over time lines
✕ Damage outside India boundaries
✕ Consequential or indirect financial losses
✕ War or nuclear security risks
EV Scooter Specialists

EV Batteries Need Specialized Protection

Electric scooters carry substantial electronic part replacement values and battery circuit exposure risks.

Key EV Pricing Risk Vectors

  • • High replacement costs of lithium-ion battery modules
  • • Electrical harness short-circuit vulnerabilities during monsoons
  • • Urban traffic collision exposure and localized parking hazards

Popular EV Models Covered

Ola S1 Pro / S1 Air High-Capacity Performance Ecosystem
Ather 450X / Rizta Premium Precision Smart Dashboard
TVS iQube Electric Trusted Reliable Family Commuter
Bajaj Chetak EV Classic Premium Solid Steel Build
Hero Vida V1 Pro Removable High Range Swappable Cells

Recommended EV Add-on Pillars

  • • Zero Depreciation cover protecting expensive EV components
  • • 24/7 Roadside Assistance for empty battery drainage states
  • • Return to Invoice protection safeguarding your high initial tech outlay
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IRDAI Fixed Rates

Third Party Premium Tariff Schedule

Fixed by government mandate — perfectly identical across every registered insurance company in India (excl. GST).

Engine Capacity Class Popular Indian Models Included Annual TP Rate 5-Year Mandatory Rate
Up to 150cc Splendor, HF Deluxe, Platina, CT100 ₹843 ₹4,544
150cc – 350cc Pulsar, Apache, Gixxer, Royal Enfield ₹1,612 ₹8,691
Above 350cc RE 650, KTM Duke, Superbikes ₹3,309 ₹17,838

GST at 18% is extra. Own Damage premium rates vary based on No Claim Bonus percentages and individual vehicle Insured Declared Value (IDV) matrices.

Domestic Two-Wheeler Portfolio

Custom Underwriting Frameworks for 100% of Indian Bikes

From fuel-efficient daily city commuters to premium cruiser frameworks and superbikes — experience setup options tailored directly around your lifecycle requirements:

🏍️

New Bike Insurance

Secure your multi-year regulatory mandate plan combined with customized driving add-ons seamlessly.

🔄

Policy Renewal

Switch your provider instantly prior to expiry while keeping 100% of your accumulated No Claim Bonus.

🤝

Used Bike Transfer

Instantly set up coverage details in the new buyer's name to process your RTO ownership parameters clean.

Why Policy Total

Independent. Completely unbiased advisor structure. Our single directive path is pinpointing the absolute best framework parameters for your vehicle.

Unbiased Comparisons

We map repair caps, cashless garage layers, and explicit waiting clauses across elite providers.

Claim Support

During real emergencies, we coordinate directly with garages so your family avoids stress logs.

NCB Protection

We track expiration parameters well in advance to fully safeguard your accumulated No-Claim Bonus.

RC Transfer Support

Buying a used bike? We instantly setup the policy in the new buyer's name to complete ownership transfers.

Got Questions?

Frequently Asked Questions

Everything you need to know about your coverage, renewals, and claims.

Is bike insurance mandatory in India?
Yes. A minimum Third Party (TP) insurance is mandatory by law for all two-wheelers under the Motor Vehicles Act. Riding without valid insurance can result in a fine of ₹2,000 and/or imprisonment for up to 3 months.
What is the 1+5 and 5+5 plan for new bikes?
For new two-wheelers, IRDAI mandates a 5-year Third Party policy. You can pair it with a 1-year OD policy (1+5) renewed annually, or a 5-year OD policy (5+5) for full long-term coverage. After the bundled period ends, you can buy a standalone OD policy from us each year.
What is Zero Depreciation cover for bikes?
Zero Depreciation (Nil Dep) ensures you receive the full cost of replaced parts during a claim without any depreciation cuts. Available for two-wheelers up to 10 years old. We offer plans with 2 claims to unlimited claims per year depending on your insurer.
Can I get insurance for a second-hand bike?
Yes. We specialise in used two-wheeler insurance. A valid insurance policy in the new owner's name is mandatory for RC name transfer. We help you arrange cover quickly so the transfer is not delayed.
What add-ons are most useful for bikes?
Given India's monsoon season and heavy traffic, we strongly recommend Zero Depreciation, Engine Protect (for waterlogging damage) and Roadside Assistance. These three add-ons together cost very little but protect you significantly.
How do I renew without losing my No Claim Bonus?
Renew before your policy expiry date to retain your NCB. If your policy has lapsed, an inspection may be required. Call or WhatsApp us before expiry and we will compare renewal quotes across all our insurer partners to get you the best rate.

Still have questions? Talk to an advisor →

Your vehicle deserves a plan
that actually works.

Localized claim support framework. We compare top plans, answer variables honestly without scripts, and offer full assistance completely free of additional charges.

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