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Two-Wheeler Insurance

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    What is Two-Wheeler Insurance?

    Two-wheeler insurance is a policy designed to protect your motorcycle or scooter from financial losses due to accidents, theft, or natural calamities. It covers damages to your two-wheeler, third-party liabilities, and can even provide personal accident coverage for the rider. This insurance ensures that you are financially secure while riding on the road, meeting both legal requirements and offering peace of mind.

    Why should you
    Key Benefits of Two-Wheeler Insurance

    Two-wheeler insurance is a legal requirement, but it also offers comprehensive protection against financial losses arising from accidents, theft, or damage to your vehicle. With affordable premiums, it ensures you ride worry-free and are protected in case of emergencies.

    Comprehensive Coverage

    Two-wheeler insurance covers a wide range of damages, including those caused by accidents, fire, theft, and natural disasters like floods or earthquakes, ensuring your vehicle remains financially protected.

    Third-Party Liability Coverage

    The policy covers damages and injuries caused to third parties in the event of an accident, making sure you are financially and legally protected against any claims.

    No-Claim Bonus (NCB)

    If you don’t make a claim during the policy term, you can enjoy a No-Claim Bonus, which offers discounts on your renewal premiums, rewarding safe and responsible riding.

    Cashless Garage Network

    Many insurance providers have a network of garages that offer cashless repair services, where you don’t have to worry about paying upfront for repairs. The insurer settles the bills directly with the garage.

    Personal Accident Cover

    Two-wheeler insurance also provides personal accident cover for the owner-rider, compensating for medical expenses, disability, or death caused by road accidents.

    Coverage for Natural Disasters

    If your bike or scooter gets damaged due to natural calamities like floods, storms, or earthquakes, two-wheeler insurance offers coverage for repairs or even replacement if necessary.

    Theft Protection

    In case your two-wheeler is stolen, the insurance company provides compensation based on the insured declared value (IDV) of the bike, ensuring you don’t face a complete financial loss.

    24/7 Roadside Assistance

    Many two-wheeler insurance plans include 24/7 roadside assistance, covering services like towing, emergency fuel, or flat tire repairs to help you in breakdown situations.

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    What Our Customers
    Are Saying

    Ravi T. Chennai

    "Instant Beema’s two-wheeler insurance gave me peace of mind. Their fast and reliable service made getting my bike repaired stress-free."

    Sonal P. Pune

    "I was surprised how easy it was to file a claim with Instant Beema when my scooter got damaged. Their team was supportive and quick!"

    Vikas G. Delhi

    "I got excellent coverage at a great price for my motorcycle. The roadside assistance feature came in handy during a breakdown!"

    Meena S. Bangalore

    "Renewing my two-wheeler insurance with Instant Beema was a breeze. I also got a discount with their No-Claim Bonus for being a careful rider."

    Frequently Asked Questions
    About Insurance

    Yes, it is legally required to have at least third-party liability insurance for two-wheelers under the Motor Vehicles Act in India.
    Third-party insurance covers only damages caused to others, while comprehensive insurance also covers damages to your own vehicle.
    Personal accident cover provides compensation for injuries, disabilities, or death caused by accidents involving your two-wheeler.
    Yes, the NCB is transferable and can be applied when you renew your insurance for a new bike.
    If your bike is stolen, you need to file an FIR with the police, notify your insurer, and submit the required documents to make a claim for theft.