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Built for Indian Roads
Compare quotes from 11 top insurers. Honest advice, zero advisory fees, and add-ons chosen for monsoons, traffic, and your actual ride.
Riding Uninsured Is Illegal in India
Every two-wheeler on public roads must carry a valid Third Party insurance policy. Penalties have been significantly enhanced — and traffic police actively check insurance documents at nakas across India.
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Our Insurance Partners
We compare quotes across all these insurers to find you the best deal
Tailored Coverage For Your Ride.
Whether you ride a daily commuter, an EV scooter, or a premium superbike, your perfect policy depends entirely on how you ride and where you park.
We don't push generic packages. We ensure you get the right IDV, Zero Depreciation when you need it, and Engine Protect for monsoons — maximum protection without overcharging you.
Get My Custom Quote
Types of Bike Insurance
Choose the right base coverage before adding your custom add-ons
Mandatory Cover
Covers legal liability for injury or property damage caused to a third party. Mandatory by law. Does not cover damage to your own bike.
Full Protection
Combines TP + OD in one policy. Covers accidents, theft, fire, natural calamities and third-party liability. Customize with 10+ add-ons.
Own Damage Only
Covers damage to your own bike only. Ideal for year 2 onwards after a bundled new bike policy expires. Must be paired with a valid TP policy.
1+5 and 5+5 Plans Made Simple
For a new bike, the right choice depends on your budget and how long you want to avoid renewals. We help you choose the right base plan and suggest add-ons that actually make sense.
Lower Starting Cost
1 year Own Damage + 5 years Third Party. Best for buyers who want a lower upfront premium and flexibility next year.
- Lower initial outflow for the first year
- Good for budget-conscious buyers
- Easy to customise add-ons from year one
Total Peace of Mind
5 years Own Damage + 5 years Third Party. Best for riders who want complete convenience and zero renewal stress for half a decade.
- Completely avoids yearly renewal stress
- Locks in premium rates against inflation
- Best for premium bikes and superbikes
Consultation Based on Usage
A daily 100cc commuter needs different protection than a 650cc touring bike. We guide you on whether you need RSA, Engine Protect, or Consumables based on your actual ride.
New Bike, Renewal or Used Bike?
New Bike
- → 5-year TP mandatory (IRDAI rule)
- → Choose 1+5 (1yr OD + 5yr TP)
- → Or 5+5 (5yr OD + 5yr TP)
- → Buy standalone OD from year 2 onwards
Rollover (Renewal)
- → Renew before expiry to protect NCB
- → We compare renewal quotes for you
- → Switch insurer without losing NCB
- → Upgrade or add new add-ons at renewal
Used / Second-Hand
- → Valid insurance needed for RC transfer
- → We help arrange cover quickly
- → Inspection support if required
- → Zero Dep available for bikes up to 10 yrs
EV Scooter Insurance Built for the Future
Riding an Ather, Ola, or TVS iQube? EV pricing depends heavily on battery value and waterlogging risks. We secure the right cover without bloating your premium.
Protect Your EVEV Risk Factors
- → Expensive battery replacement costs
- → Electrical short-circuits during monsoons
- → Higher theft risk for specific models
- → Charger and accessory protection
Best EV Add-ons
- → Zero Dep (Essential for EVs)
- → RSA for battery drain scenarios
- → Return to Invoice for new EVs
- → Battery & Motor Protect (if available)
Third Party Premium Rates
Fixed by IRDAI — same across all insurance companies (w.e.f. 01 April 2022, excl. GST)
| Engine Capacity | Popular Models | Annual TP | 5-Year TP |
|---|---|---|---|
| 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 @ 18% applicable. TP rates are government-fixed and identical across all insurers. OD and add-on premiums vary — contact us for a full quote.
Tailor Your Add-ons
Especially useful for Indian riders — protect yourself from monsoon flooding, traffic, and theft.
Zero Depreciation (Nil Dep)
Full claim value on parts — no depreciation cuts. For bikes up to 10 years old. 2 to unlimited claims per year.
Return to Invoice (RTI)
Get the original invoice value in case of total loss or theft — not just the depreciated IDV.
Engine Protect
Covers engine damage from waterlogging — essential for riding safely during heavy monsoons in India.
Roadside Assistance (RSA)
24/7 towing, flat tyre, fuel delivery and breakdown support anywhere in India.
Consumables Cover
Covers engine oil, nuts, bolts and other consumables replaced during repairs — excluded by default.
Personal Accident — Pillion
Additional PA cover for your pillion rider beyond the standard owner-rider cover.
Coverage at a Glance
What's Covered
- Accidental damage to your bike
- Theft or total loss
- Fire and explosion damage
- Natural calamities — floods, earthquake, cyclone
- Third-party bodily injury and property damage
- Personal accident cover for owner-rider
- Man-made calamities — riots, vandalism
What's Not Covered
- Riding under influence of alcohol or drugs
- Riding without a valid licence
- Mechanical or electrical breakdown
- General wear and tear over time
- Damage outside India (without endorsement)
- Consequential or indirect loss
- War or nuclear risk
What Customers Say
Simple advice, right pricing, and add-ons that fit actual usage.
"I wasn't sure if I needed a 1+5 or 5+5 for my new Enfield. They explained the benefits of locking in the premium and saved me future hassle."
"Insuring my Ather EV was tricky because of the battery cost. Policy Total gave me a great Zero Dep plan that covers all electrical risks."
"Fastest renewal ever. They compared 5 different companies for my Pulsar and I got my policy on WhatsApp in exactly 5 minutes."
Beyond the Policy — We're With You
Claim Support
We contact the insurer on your behalf, guide you through documentation and follow up until your claim is settled.
Endorsement Assistance
Need to change your address or update nominee details? We handle all policy endorsements for you.
RC Transfer Insurance
Selling or buying a used bike? We arrange the insurance in the new owner's name — mandatory for RC name transfer.
Renewal Reminders
We remind you before your policy expires so you never lose your No Claim Bonus (NCB) due to a lapsed policy.
How It Works
Share Your Details
Call or WhatsApp us with your bike registration number and current policy (if any). Takes under 2 minutes.
We Compare & Advise
We pull quotes from 11 insurers and recommend the best plan for your budget and needs — honestly, without bias.
Get Your Policy
Pay online and receive your policy document instantly on email and WhatsApp. We handle all paperwork.
Got Questions?
Frequently Asked
Questions.
Everything you need to know about your coverage, renewals, and claims.
Is bike insurance mandatory in India?
What is the 1+5 and 5+5 plan for new bikes?
What is Zero Depreciation cover for bikes?
Can I get insurance for a second-hand bike?
What add-ons are most useful for bikes?
How do I renew without losing my No Claim Bonus?
Still have questions? Talk to an advisor
Get Your Bike Insurance Quote Now
Honest advice from your insurance expert. Compare 11 insurers in minutes.
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