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Bike Insurance

Bike insurance price starting at just ₹457*

Buy or Renew Two Wheeler Insurance Online in 2 Minutes ⚡️

Bike number

UID: 5666 | *T&Cs apply

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UID: 5666 | *T&Cs apply

Two-wheeler Insurance Online

Home / Motor Insurance / Bike Insurance

What is Bike Insurance?
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Bike insurance or two-wheeler insurance is an insurance policy that covers you against damages to your two-wheeler due to accidents, natural/man-made disasters, fire, and theft. The motorcycle insurance policy also provides law-mandated coverage against third-party liabilities such as damage to another person’s vehicle/property or injuries/death of a third party caused due to the insured two-wheeler. You can buy insurance for two-wheeler to get coverage for motorcycles, scooters, mopeds, etc.

Features of ACKO’s Two-wheeler Insurance Policy
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Key Features

ACKO Advantage 

Bike insurance premium

Plans start at Rs.457*

Third-party liability


Own Damage (OD) Cover

Available with the Comprehensive Bike Policy

No Claim Bonus (NCB)

Up to 50% discount for 5 claim-free years

Personal Accident (PA) Cover

Available. Coverage up to Rs. 15 lakhs for permanent disability/death

Claim settlement

Online with paperless and cashless experience. Instant claim settlements (within 2 hours) for minor damages.

Cashless repair service

Available at network garages.

Claim Settlement Ratio (CSR)

92.71% for the Financial Year (FY) 2022-23 (Two-wheeler OD portfolio)


Instant two-wheeler insurance renewal

Paperless Experience


Benefits of Buying Bike Insurance Online
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Here are the advantages of buying bike insurance online.

24x7 Access

24x7 Access
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Whether it's raising a claim or buying a new insurance policy for bike, you can do it from anywhere, anytime. You need not wait for the insurer’s office to open but instead access the bike policy services online.

Saves Time

Saves Time
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Purchasing bike insurance online saves you a lot of time and effort. You can purchase the bike policy online within a few minutes from the comfort of your home. It saves both time and effort.

Bike insurance benefits - Compare and buy

Compare and Buy
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Buying bike insurance online offers the convenience of comparing different two-wheeler insurance policies before making the purchase decision. You can compare before buying insurance for a bike and make an informed choice depending on the coverage offered.

Why Should You Buy Bike Insurance?
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Here are some of the reasons why you should have an insurance policy for two-wheeler:

Financial Coverage
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Whether your bike is lost, stolen, or suffers any substantial damage, you will get financial protection for all such unpredictable events with a bike insurance policy.

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There are multiple add-ons that you can include in your two-wheeler insurance policy, such as Zero Depreciation Cover, Key Loss Cover, Roadside Assistance, and more. These add-ons are available at higher premiums but also offer greater protection.

To adhere to the Motor Vehicle Act of 1988, having at least a third-party bike insurance policy is important. If caught riding without a valid two-wheeler policy, this will prevent you from paying hefty fines.

Personal Accident Cover
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A Personal Accident Cover is also mandatory for all bike owners. This cover provides financial protection of up to Rs.15 lakhs in case of unfortunate events when the policyholder meets an unfortunate demise. 

No Claim Bonus Benefit
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No Claim Bonus is a reward given to a policyholder for raising no claims in a given year. So, when buying a bike insurance policy, you can take advantage of NCB and save on premiums.

Coverage for All Two-wheelers
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A two-wheeler insurance policy provides financial coverage for damage to all vehicles, including mopeds, motorcycles, scooters, and others. 

Types Of Two Wheeler Insurance Policies
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There are mainly three types of bike insurance plans in India. Apart from that, you can also purchase the mandatory PA cover from our website/app. Here are more details regarding the bike insurance types.

Third-Party Bike Insurance Plan

Third-party Bike Insurance Policy
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Third Party Bike Insurance Policy (TP insurance) is mandated by law in India. It provides coverage against third-party liabilities. In other words, a Third-party two wheeler insurance policy provides financial protection if your vehicle damages another person’s vehicle/property or causes injury/death to a third party in an accident, but it does not cover loss or damage to your own two-wheeler.

Comprehensive Bike Insurance Plan

Comprehensive Bike Insurance Policy
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Comprehensive Bike Insurance Policy provides all the coverage offered by the Third-party Two Wheeler Insurance Plan and also covers damages/losses incurred by your two-wheeler. This type of insurance for bike covers events such as accidental damages, fire damages, natural disasters (floods, earthquakes, etc.), man-made calamities (riots) and theft of the insured bike.

 Personal Accident (PA) Cover

Standalone Own Damage Insurance Policy
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Own Damage Insurance for bike or OD insurance is a type of bike insurance plan that provides coverage against damages to your two-wheeler. Note that this insurance policy for bike will not cover third-party liabilities. It is an ideal motorcycle insurance policy to buy if you already have a third-party policy for your bike.

Add-Ons for Bike Insurance
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Following are more details about the add-ons you can purchase with the Comprehensive Bike Insurance Policy.

Zero Depreciation Cover
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This add-on provides coverage against the depreciation of bike parts. In other words, Zero Depreciation bike insurance ensures that you get the full claim amount without any deductions related to the depreciation of vehicle components. It is an essential add-on if you are insuring a new bike.

Personal Accident (PA) Cover
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This may not qualify as a type of two-wheeler insurance plan, but it is an essential add-on cover. Similar to third-party bike insurance, Personal Accident cover is mandatory as per law. While the insurance for the bike provides coverage against your vehicle, the PA cover offers financial protection against events such as disability/death due to an accident while riding your bike or scooter.

Comparison of Bike Insurance Policies
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The table below illustrates the difference between Standalone Own-damage, Comprehensive, and Third-party Bike Insurance:



Standalone Own-damage


Damage/loss to your bike

Theft of your two-wheeler

Damages to third-party vehicle/property

Third-party injury/death

NCB discount up to 50%

Cashless claims

Online transactions

Now that you know about standalone own-damage vs third-party vs comprehensive bike insurance, it will help you select a suitable policy for yourself. 

What Types of Two Wheelers Can be Insured with ACKO?
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A two-wheeler insurance policy covers all kinds of bikes at affordable premiums. There are three types of bike insurance policies: comprehensive, standalone own-damage, and third-party bike insurance.


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Whether you have bought a new or second-hand scooty, having at least a third-party scooty insurance is necessary. This will help you to adhere to the motor laws and protect your scooty against financial loss when a third-party is injured.


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A moped, which is basically a lightweight two wheeler is also covered under two wheeler insurance policy.


Electric two wheeler
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An electric two-wheeler that gets power through a rechargeable battery is also covered under two wheeler insurance.



What is Covered in ACKO’s Two Wheeler Insurance Policy
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Here’s the list of events covered under bike insurance (Third-party and Comprehensive Bike Policy). Note that this is an overview; please check out respective two wheeler insurance policy wordings for exact details.

Third-party losses/liabilities: Damage to another person’s vehicle or property and injuries or death of a third party caused due to your two-wheeler.

Accidental damages: Damages caused to your vehicle due to accidents.

Fire disasters: Damages to your two-wheeler due to fire explosion, self-ignition, lightning, etc.

Natural disasters: Damages due to events such as floods, cyclones, earthquakes, etc.

Man-made disasters: Damages to the insured vehicle due to incidents like riots, protests, terrorist activities etc.

Vehicle theft/total loss: Financial loss due to vehicle theft or total loss. For instance, if your bike/scooter gets stolen and concerned authorities are unable to trace it.

What is Not Covered in ACKO’s Two Wheeler Insurance Policy
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We aim to provide the best possible coverage for your two-wheeler. However, there are a few exclusions of our Comprehensive Bike Insurance Plan, and they are listed below. For exact details of the bike policy exclusions, please go through the respective bike insurance policy wordings.

❌ Damages to your vehicle due to electrical or mechanical issues.

❌ Damages to your two-wheeler when driving under the influence of drugs, alcohol, or other intoxicating substances.

❌ Repair or replacement of vehicle components subject to regular wear and tear.

❌ Damages suffered by your bike or scooter when the policy was not active.

❌ Damages to your vehicle when driving without a valid Driving Licence.

❌ Incidents that are caused due to illegal activities like racing.

❌ Incidents occurred outside the geographical boundaries of the country.

❌ Coverage against injuries or death of the policyholder while riding the two-wheeler.

❌ Damages caused to your two-wheeler due to war.

How to Calculate Bike Insurance Premium?
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To calculate a two-wheeler insurance premium, you must account for various factors such as the bike’s make/model, age, geographical location, NCB, etc. At ACKO, you can provide your vehicle details, and our bike insurance premium calculator will display your two-wheeler vehicle insurance quote.

Follow these steps to calculate the premium:
Step 1: Visit our website or log in to the mobile app and provide basic details of your two-wheeler (registration number, make, model, year of purchase, etc.)
Step 2: Select the type of policy and the tenure.
Step 3: Once you select the policy and tenure, you will be able to see the bike insurance quote.
If you want to know more about calculating the premium, refer to our bike insurance calculator page.

Factors Affecting Bike Insurance Premium
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Let’s take a look at the factors affecting bike insurance premium

Type of Coverage
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The premium rates will vary depending on the coverage you choose. For instance, Comprehensive coverage will have higher premiums as compared to other coverage types.

Make/Model and Variant
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The make/model and variant affect the premium as well. For instance, if you own a basic commuter bike, you pay less premium. On the other hand, a high-end motorcycle will attract a higher premium.

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Insured Declared Value or IDV in bike insurance is the approximate market value of a vehicle. If you own a premium vehicle, the IDV will be high, and the bike insurance premium will increase. Note that it’s not your bike’s resale value.

Age of The Two-Wheeler
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The vehicle's age dictates its market value. Hence, a new two-wheeler has a higher IDV, and the bike insurance premium is also on the higher side and vice versa. 

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No Claim Bonus or NCB is the discount you can avail of for not raising any claim in a policy year. The discount applies during the bike insurance renewal, and the premium reduces depending on the percentage of discount you are eligible for.

Vehicle's Location
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The geographical location where you ride the vehicle also plays a role in bike insurance premium calculation. For instance, if you reside in a metro city, the risk of an accident is high. Hence, the premium will be on the higher side. 

How to Save on Bike Insurance Premium?
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Here are a few points that you can keep in mind to save on bike insurance premiums. Note that these tips are for purchasing a Comprehensive 2 Wheeler Insurance Policy.


Choose the Two-wheeler Type Wisely
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Insuring a two-wheeler with a comprehensive coverage costs higher than others. So, analyse the coverage required wisely and only choose what is adequate for your two-wheeler.


Know Your Two-Wheeler’s Correct Value
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Knowing the correct market value of your bike/scooter can save you money. Sometimes the IDV may be higher than the actual value of your vehicle. In such scenarios, knowing the accurate value helps to decrease the bike insurance premium because the lesser the IDV, the lower the premium.


Opt for Voluntary Deductible
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Voluntary Deductible refers to the amount you agree to pay out of your pocket during a bike insurance claim. You can increase the percentage of the Voluntary Deductible if you are confident enough that you will not raise a claim during the policy tenure and save on the premium amount. 


Use your NCB Discount
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Ensure you utilise the NCB discount during your two-wheeler insurance renewal. You can use the discount even if you switch from one insurance provider to another. 


Renew Your Policy on Time
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Always renew the two-wheeler insurance policy before the due date. You lose the NCB benefits if the policy is not renewed within 90 days of expiry. Hence, renew on time and be safe from paying higher premiums.


Anti-theft Devices
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Insurers offer discounts on bike insurance premiums if your vehicle has an ARAI-certified anti-theft device. It reduces the risk of vehicle theft. Hence, insurance providers will reward you for this by reducing the premium.

How to Buy Two Wheeler Insurance Online?
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You can buy/renew a bike insurance policy online from us within a few minutes by following these simple steps.

Check Motorcycle Insurance Price
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Scroll to the top of this page and enter your bike number and click on check price. If you are an existing customer, you can log in to your account via OTP sent to your registered mobile number.

Choose Bike Insurance Plan
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On the next page, you will see the applicable plans you can purchase. Click the "Buy Now" button against your preferable bike policy. You can also customise the IDV if you are opting for the Own Damage policy.

Pay Two Wheeler Insurance Premium
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Lastly, complete the payment online. Your new/renewed two wheeler insurance policy will be sent to your registered email address.

How To Buy New Bike Insurance Online
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Here are the steps to buy a new bike insurance policy online from ACKO.

Step 1: Go to the top of this page and click on “Check prices”.

Step 2: Enter your bike make/model and mobile number and click on “View Plans” to check the new bike insurance price.

Step 3: Select the insurance plan and click “Continue”.

Step 4: Select add-ons and click “Continue”.

Step 5: Enter your personal information and bike chassis number and pay the premium online to instantly buy insurance for new bike.

How to Renew Two Wheeler Insurance Online?
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Here are the steps for bike insurance renewal online.

Scroll to the Top
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Scroll to the top of this page or download the ACKO smartphone app.

Enter Two Wheeler Registration Number
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Enter the vehicle number and choose the desired insurance plan.

Pay Bike Policy Premium
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Enter your personal details and complete the online payment for instant bike insurance renewal online.

How to Raise a Cashless Claim for Bike Insurance Online
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Raising a claim request is easy when you have an ACKO bike policy. No need to fill out any claim form and no wait time. Get online and file the bike insurance claim by following these simple steps.

Step 1
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 Log in to your account via our website or mobile app.

Step 2
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 Click on the "Claim" button on the Policy Card.

Step 3
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Answer the questions regarding vehicle damage and upload images of the damaged two-wheeler. Once done, click the "Submit" button to raise your claim.

Documents Required for Filing a Bike Insurance Claim
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There is no physical paperwork involved while raising a claim against your ACKO Two-wheeler Insurance. All you need to do is upload the soft copies of the documents mentioned below, depending on the type of claim.

Bike Insurance Price
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Bike insurance premiums can be different for different two-wheelers. The chosen coverage and the cubic capacity of the vehicle's engine play a vital role in calculating the premium.

Since the price for Comprehensive Bike Insurance is primarily based on the amount of coverage, it is difficult to tell in advance what the policy may cost. However, the Third-party Insurance prices are based on the bike's engine cubic capacity; thus, the price can be determined in advance (the amount of coverage is uniform across insurers). 

Here are the Third-party Two-wheeler Insurance prices for FY 2024-25. Prices are subject to change as per the IRDAI.




Less than 75cc

Rs. 538

Rs. 2,901

75cc to 150cc

Rs. 714

Rs. 3,851

150cc to 350cc

Rs. 1,366

Rs. 7,365

More than 350cc

Rs. 2,804

Rs. 15,117

Third-Party Bike Insurance Price for New Electric Two-Wheeler (1-Year Single Premium Policy)
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The following table provides more details about the third-party electric bike insurance premium.



Less than 3 kW

Rs. 457

More than 3 kW but less than 7 kW

Rs. 607

More than 7 kW but less than 16 kW

Rs. 1,161

More than 16 kW

Rs. 2,383

Third-party Bike Insurance Price for New Electric Two-Wheeler (5-Year Single Premium Policy)
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Here’s a table with the third-party electric bike insurance premium.



Less than 3 kW

Rs. 2,466

More than 3 kW but less than 7 kW

Rs. 3,273

More than 7 kW but less than 16 kW

Rs. 6,260

More than 16 kW

Rs. 12,849

*The premium rates mentioned are for EV two-wheelers not exceeding 3KW

Frequently Asked Questions (FAQs) about Bike Insurance
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Questions about ACKO Two-wheeler Insurance


Can I buy bike insurance online for my new scooter from your website?

You can buy two wheeler insurance online for your new scooter from us. Scroll to the top of this page or download the mobile app and provide details about your two wheeler. Select your preferred plan, and make the online payment. You will receive the bike insurance policy instantly at your registered email address.

Is buying a bike insurance policy online safe, and how do you offer low-cost two-wheeler policies?

Buying two wheeler insurance online is safe. We are a digital-first insurance company licensed by the IRDAI (Insurance Regulatory and Development Authority of India). With our zero-commission model and 100% digital infrastructure, we eliminate middlemen commissions and reduce our operational costs respectively. Thus, we can pass on those benefits to you in the form of low-cost first-party bike insurance (Own Damage) plans and discounts.

What documents do I need to submit to buy a bike insurance policy from you?

You need not submit any documents for the purchase/renewal of the two wheeler policy from us. You only need to provide the following details.

  • Two-wheeler make, model and variant

  • Purchase year

  • The location of the vehicle

  • Existing/previous bike insurance policy details (if you are renewing with a new insurer)

How to download the bike insurance policy online?

You can download the two-wheeler policy online by logging in to your account by scrolling up or via the app. Once logged in, you can view or download the policy document by clicking on the Policy Card. Alternatively, you can also check the email inbox for the policy copy. When you buy/renew bike insurance, the policy document will be sent to your inbox.

Can I opt for only the Own Damage cover for my scooter while buying bike insurance?

No, you cannot opt for only Own Damage Bike Insurance cover. A Third-party Policy is mandatory in India, no matter what type of motor vehicle you own. Hence, you cannot opt for only the Own Damage cover. You have to purchase both covers. Buying a Comprehensive Policy will help in this regard as it comes with both third-party Liability and Own Damage cover.

Do I have the option to choose my preferred IDV when buying a bike policy?

Yes, you have the option to customise the IDV for your bike policy as per your choice (from a range) while buying/renewing your bike insurance policy from us. You can use our two-wheeler insurance calculator for the same. However, keep in mind that setting the correct IDV is essential as it decides the sum insured amount for the policy. Setting it too low can reduce the premium, but the claim amount will be less in case of total loss. Similarly, setting it too high will increase the premium.

Questions You May Have about Motorcycle Insurance


What is first party insurance of a bike?

First party bike insurance, also known as Comprehensive insurance provides coverage for damages due to theft, loss, or any unforseen accident. 

What does first party insurance cover?

A first-party insurance provides coverage for any damage or loss to the insured bike. 

What are the 3 types of bike insurance?

The three types of bike insurance plans are as follows.

Third-party bike insurance

Comprehensive bike insurance

Standalone Own Damage bike insurance

Which insurance is best for bike 1st party or 3rd party?

1st party bike insurance provides coverage against damages to your bike, whereas 3rd party bike insurance provides coverage against third-party liabilities. Comprehensive bike insurance provides both 1st and 3rd party coverage. Hence, it is the best insurance plan for bikes.

What is 5 year insurance rule?

When you buy a new bike, it is mandatory to buy a 5-year bike insurance plan that includes third-party coverage for 5 years and Own Damage cover for 1 year. It is called the 5-year insurance rule.

Which insurance is best for bike?

The best insurance policy for bike depends on your requirements and the type of vehicle you own. However, the best bike policy to purchase would be the comprehensive plan as it provides third-party and own damage coverage.

What is 1st 2nd and 3rd party insurance?

1st party insurance refers to the Own Damage policy that covers damages to your bike. 3rd party insurance is nothing but mandatory insurance for bikes that covers third-party liabilities arising due to the insured bike. 2nd party in bike insurance refers to the insurance provider.

Which insurance is compulsory for 2 wheeler?

The third-party bike insurance policy is compulsory for all motor vehicles in India, including two-wheelers.

Which is the best motorcycle insurance?

The Comprehensive Bike Insurance Policy can be defined as the best motorcycle insurance as it provides third-party and own damage coverage. On top of that, you also get the option to choose add-on covers to enhance the policy coverage.

Can bike insurance be in someone else's name?

Yes, you can purchase bike insurance for someone else’s bike. You can buy a two-wheeler insurance on behalf of the vehicle owner. However, while selling the vehicle, it’s important to transfer the insurance to the new owner.

Can bike insurance be transferred to new owner?

Yes, you can transfer the bike insurance to the new owner if you sell the bike.

Does bike insurance cover engine repair?

If you have purchased the Comprehensive or Own Damage bike insurance with the Engine Protect add-on, the insurance plan will cover engine repair costs. Please note that the engine cover add-on is subject to availability.

Does bike insurance come under 80c?

No, bike insurance does not come under 80C. You cannot claim income tax exemption for buying bike insurance.

Can we change bike insurance company?

Yes, you can switch to another bike insurance company when renewing the policy. For instance, you can renew bike insurance online from ACKO even though you have bike insurance from some other insurance provider.

Why KYC for bike insurance?

As per the rules and regulations of IRDAI (Insurance Regulatory and Development Authority of India), every insurance provider must check the authenticity of the policy buyer through the KYC documents before issuing or renewing bike insurance.

Can we cancel bike insurance?

Yes, you can cancel the bike insurance policy. However, to get a refund for the paid premium, you must adhere to the terms and conditions of the policy.

How much is the insurance for a new bike?

New bike insurance price depends on the type of plan and add-ons you choose. If you opt for a third-party plan, the premium will be on the lower side as compared to the Comprehensive plan.

Does new bike need insurance?

Yes, a new bike needs insurance to comply with the law. As per The Motor Vehicles Act, every motor vehicle must have at least third-party insurance. However, for better coverage, it is better to buy a Comprehensive Bike Insurance Policy.

Can we buy insurance for new bikes online?

Yes, you can buy bike insurance online from ACKO. You only need to provide a few details about you and your bike to buy new bike insurance online instantly.

Is third party insurance mandatory for new bikes?

Yes, third-party bike insurance is mandatory for a new bike.

Why should I buy two wheeler insurance for my bike?

You should buy Third-party Bike Insurance for your bike as it is mandated by law. It is illegal to ride a two-wheeler without the basic bike policy. You may attract penalties or face imprisonment if you ride the bike without a valid bike insurance policy. That's the reason why two wheeler insurance renewal on time is also crucial.

However, a Third-party Policy will only cover third-party liabilities. For coverage against damages to your two-wheeler, you may opt for the optional Comprehensive Two-wheeler Insurance Policy. It provides a financial cushion if the two-wheeler gets damaged due to accidents and other unfortunate incidents like natural or man-made disasters or fire hazards. The Comprehensive Bike insurance Policy even covers events such as vehicle theft.

What does endorsement mean in bike insurance, and what's the difference between premium and non-premium bearing endorsement?

The endorsement in bike insurance refers to making changes to the policyholder's personal details or the policy's terms and conditions. For instance, if you need to change your address, name, date of birth, etc., you can do it via endorsement in the policy.

In a premium-bearing endorsement, you need to pay an additional premium, whereas, in a non-premium-bearing endorsement, you need not pay any additional premium.

Which is the best bike insurance company in India, and which is the best two wheeler insurance policy to buy?

An insurer offering higher IDV at a lower premium, an easy and hassle-free buying/renewal process and transparent and quick claim settlements can be considered as one of the best two wheeler insurance companies in India. Also, look out for other factors such as customer support and value-added services such as cashless repairs and instant claim settlements for minor damages. As a generalisation, a Comprehensive Bike Insurance Policy can be considered as the best bike policy in India as it provides broad coverage, including third-party liabilities and own damage.

Does my bike's make/model and variant affect the two wheeler insurance premium?

Yes, your vehicle's make/model, variant and purchase year affect the bike insurance premium and the IDV.

How can I find out my 2 wheeler insurance policy number?

You can find out your bike insurance policy number via the following methods. You need to have the policy number handy when making bike insurance claims or renewing the policy. So, knowing the bike policy number is important.

Refer to your bike insurance policy document.

Check the email sent by the insurer.

Log in to your insurance account via the website/mobile app to view the policy number.

Call the customer support team.


Know More about Online Bike Insurance Policy Purchases and Renewals


How can I get bike insurance online?

You can get bike insurance online by visiting the official website or app of the insurance provider. For example, you can download the ACKO app or visit our official website to buy bike insurance online.

What is the cheapest motorcycle insurance?

The Third-party Bike Insurance Policy is the cheapest motorcycle insurance you can buy. This policy will provide coverage against third-party liabilities, and it is a law-mandated policy for all vehicle owners in India.

How much is motorcycle insurance in India?

The cost of motorcycle insurance depends on various factors like type of coverage, bike make/model, engine capacity, add-ons, geographical location, etc.

How to check bike insurance online?

To check bike insurance online, all you need is an internet-enabled smartphone/computer. Follow the steps mentioned below for the same.

  • Open the web browser on your phone/computer and search “bike insurance” on any search engine like Google.

  • You will see a host of results; click on any one of them.

  • For example, if you click on ACKO bike insurance, you will be able to see more details about the insurance plans, coverage, premium, etc.

How to renew bike insurance online?

You can renew your bike insurance online by following these steps. The 2 wheeler policy renewal process remains the same as the new policy purchase process. Step 1: Visit our website or download the mobile app.

Step 2: Log in to your account and select the renewal option on your Policy Card.

Step 3: Select your preferred plan, pay the premium, and buy bike insurance online instantly. If you are our new customer, enter your vehicle details to get the bike insurance policy quote. Choose the plan, pay the premium and instantly get the policy in your inbox.

How to check bike insurance validity?

To check the validity of your bike insurance, you can refer to the policy document or the policy card issued by the insurer. ACKO bike insurer customers can simply log in to their account via the mobile app/website and check the policy details, including the validity.

Can I opt for a different insurance plan while renewing my existing bike insurance policy?

Yes, you can opt for a different bike insurance policy during renewal. For instance, if you have a Third-party Plan, you can upgrade to a Comprehensive Plan.

Can I renew expired bike insurance, and what is the break-in period in two wheeler insurance?

Yes, you can renew your expired two wheeler insurance policy online. The break-in period is nothing but the period between the policy expiry date and the policy renewal date. During the break-in period, your bike insurance plan remains inactive, and you cannot raise claim requests. Usually, a policy purchased after the break-in period is considered a new insurance plan.

Is it better to buy a multi-year bike policy than a single-year insurance plan?

It is a good option to opt for a multi-year bike insurance plan when you buy/renew a 2 wheeler insurance plan. We offer you additional discounts if you opt for a 2 or 3-year plan. However, the discount only applies if you opt for the Comprehensive Bike Insurance Policy.

How to claim bike insurance?

To file a claim against your bike insurance, you can visit the official website of the insurer or contact the customer support number or visit the insurer’s office. If you are an ACKO customer, you can raise a claim online through the mobile app or website.

How to pay for bike insurance online?

You can pay the bike insurance premium online through any of the available digital payment options like UPI, net banking, debit/credit cards, etc. You will find these options after you have finalised the insurance plan you wish to buy or renew.

Know More about Terminologies in Two wheeler Insurance


What is the “premium” in bike insurance?

The premium refers to the amount you pay to the insurance provider in exchange for financial coverage against third-party liabilities or damages to your bike, depending on the type of plan you buy.

What is a grace period in two-wheeler insurance?

The grace period refers to the period after your policy expires. Generally, insurers might provide you with a 30-day grace period to renew the policy without any vehicle inspection and premium hike. However, the policy will remain inactive during the grace period. It also depends on the terms and conditions of the insurance provider.

What does total loss mean in two wheeler insurance?

Total loss refers to vehicle damages that are beyond repair. In other words, if the cost of repair exceeds 75% of the vehicle's IDV, then such a vehicle is declared a total loss. The insurer will compensate you by paying the IDV amount for such claims. That's why it's essential to set a correct IDV when you buy a new policy

What Is IDV in bike insurance?

IDV stands for "Insured Declared Value". It is the maximum sum of money that an insurance company agrees to pay to the policyholder in the event of a total loss or theft of the insured bike. It represents the current market value of the bike at the time of insurance purchase/renewal.

What Is NCB In bike insurance?

NCB stands for "No Claim Bonus”. It is a discount or bonus offered by insurance companies to policyholders who do not make any claims during the policy period. It serves as a reward for safe and responsible riding. 

When a policyholder renews their bike insurance without filing any claims, they become eligible for NCB. The NCB is applied as a percentage discount on the own-damage premium of the insurance policy. The percentage of NCB increases for every consecutive claim-free year, usually up to a maximum of five years.

Know More about Bike Insurance Policy Claims


Which documents do I need to provide while raising a claim against my two wheeler policy?

The document list may vary depending on the type of damage or loss. Here are the common documents you may need to file a claim request.

  • Insurance policy document

  • Valid Driving License (DL)

  • Registration Certificate (RC) of the insured two-wheeler

  • FIR (if applicable)

  • Pictures of damages taken at the time of the mishap

  • Other supporting documents (if any)

What are cashless and reimbursement claims in bike insurance?

Cashless Claim is a claim process wherein the insurance provider will directly pay the repair bill (as per the policy’s terms and conditions) to the network garage. You only need to get the vehicle repaired and pay the amount that’s not covered by the policy, and the rest will be taken care of by your insurer.

In a Reimbursement Claim, you can repair your two-wheeler at your preferred garage, settle the repair bill and raise a claim for reimbursement with supporting documents such as the original repair bills, payment receipts, etc. 

What does a surveyor do during the bike insurance claim process?

The surveyor inspects and assesses the damage suffered by your two-wheeler and of the third party (if required). Post that, the surveyor will submit a report on the damage assessment to the insurer to process the claim request.

Is it a good idea not to claim for minor damages?

Yes, it is an excellent decision not to raise the claim against your policy if the damage is minimal. It will help you retain your NCB discount for not raising a claim during the policy period. If you have not made any claims for five years in a row, you are eligible for a 50% discount on the two-wheeler policy premium (Own Damage component). Hence, it will be beneficial in the long term if you avoid making claims for minor damages to your bike/scooter.

Download the Bike Insurance/Two-Wheeler Insurance Policy Wordings
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Need More Help?
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Have queries related to ACKO’s two wheeler insurance policy? Refer to our Policy Wordings for detailed information or reach out to us via email or phone using the information below

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Write to us at [email protected]

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Call us on 1800 266 2256