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Two-wheeler Insurance Online

Bike Insurance

Bike insurance prices starting at just ₹555*

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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 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 2 wheelers to cover motorcycles, scooters, mopeds, etc.

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

Personal Accident Cover

Personal Accident Cover
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Buying bike insurance online also enables you to avail the compulsory Personal Accident cover. You must purchase this cover separately, and it provides coverage of up to Rs. 15 lakhs against accidental injury/death of the owner of the insured two-wheeler.

Easy NCB Transfer

Easy NCB Transfer
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NCB or No Claim Bonus is the discount offered by the insurers to the policyholders (own damage cover) who do not raise a claim during the policy period. If you buy a new two-wheeler, you can easily transfer the NCB while buying a new bike insurance policy online.

Financial Coverage

Financial Coverage
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A Comprehensive Bike Insurance Policy offers financial coverage if your insured two-wheeler suffers damages due to accidents, fire damages, damages due to natural or man-made disasters or theft. The two wheeler insurance policy also covers third-party liabilities.

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

Third-Party Bike Insurance Plan

1. Third-party Bike Insurance Plan
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Third Party Bike Insurance Policy is mandated by law in India. It provides coverage against third-party liabilities. In other words, the 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 third-party insurance for bikes/scooters does not cover loss or damage to your two-wheeler.

Comprehensive Bike Insurance Plan

2. Comprehensive Bike Insurance Plan
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Comprehensive Bike 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 bikes 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

3. 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 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.

Third-Party Bike Insurance vs Comprehensive Bike Insurance
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The following table will give you a better understanding of third-party vs comprehensive bike insurance.




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%

Not applicable


Insured Declared Value (IDV) customisation

PA cover

Optional (needs to be purchased separately)

Optional (need to be purchased separately)

Cashless claims

Instant claim settlement (within 2 hours)

Online transactions

Key Features of Bike Insurance by ACKO
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We offer you the convenience of buying 2 wheeler insurance online and bike insurance renewal online at any time and from anywhere. Here are the key features of our online two-wheeler insurance.

Low-Cost Plans

3. Low-Cost Plans
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We eliminate the need for middlemen commissions and other operational costs through our digital infrastructure. It enables us to offer you low-cost two wheeler insurance plans with zero paperwork.

 Instant Claim Settlement

2. Instant Claim Settlement
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With our online bike insurance process, you receive instant claim settlement. Login to your ACKO account, answer a few questions and upload the pictures showing bike damage. You will receive the claim settlement amount within 2 hours for minor damages.

Paperless Experience

1. Paperless Experience
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There’s no need to fill out forms or submit documents to buy our two wheeler insurance online. It applies to bike insurance renewal online as well. Just share bike-related information and previous policy details to buy or renew two wheeler insurance.

Other features of ACKO’s Two Wheeler Insurance
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Bike insurance premium

Plans start at Rs. 555*

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 or purchase on the website or app without any paperwork.

Top Reasons to Buy Bike Insurance Online
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Here are the top reasons to buy two-wheeler insurance online.

24x7 Access

24x7 Access
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By buying two-wheeler insurance online, you can access insurance-related services 24x7. Whether it's raising a claim or buying a new policy, you can do it from anywhere, anytime. You need not wait for the insurer’s office to open. You can go online and access the services.

Saves Time

Saves Time
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Purchasing bike insurance online saves you a lot of time and effort as you need not visit the insurer’s office. You can make the purchase online within a few minutes from the comfort of your home or office. It not only saves you a lot of time but also avoids the hassle of visiting the offices of different insurers.

Compare and Buy

Compare and Buy
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One of the main reasons to buy bike insurance online is the convenience of comparing different two wheeler insurance policies before making the purchase decision. You can compare two-wheeler insurance online and make an informed choice depending on the merits and demerits of the plans.



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, 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 need to account for various factors such as the bike’s make/model, the bike’s age, geographical location, NCB, etc. At ACKO, you can provide your vehicle details, and our bike insurance premium calculator will display the two wheeler vehicle insurance quote for you.

Follow these simple steps to get your bike insurance quote for free.

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 are interested in knowing more about calculating the bike insurance premium, you can refer to our two wheeler insurance premium calculator page.

Factors Affecting Bike Insurance Premium
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You may have noticed that the two wheeler insurance policy premium varies from one vehicle to another. Ever wondered why? That’s because of the factors that affect bike insurance premium calculation. Let’s have a look at the same. Note that only the vehicle’s make/model and engine capacity impact the Third-party Policy premium. The rest of the factors are only applicable to the Comprehensive Bike Insurance premium.

Type of Coverage
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You may have noticed that the policy premium varies from one vehicle to another. Ever wondered why? That’s because of the factors that affect bike insurance premium calculation. Let’s have a look at the same. Note that only the vehicle’s make/model and engine capacity impact the Third-party Policy premium. The rest of the factors are only applicable to the Comprehensive Bike Insurance premium.

Two-Wheeler Make/Model and Variant
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The next significant factor that may alter the bike insurance premium is your two-wheeler's make/model and variant. 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. That's because the higher the value of the insured bike, the higher the risk for the insurer. Hence, the premium goes up to cover the higher risk factor.

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Insured Declared Value or IDV plays a critical role in deciding the bike insurance policy's premium. It is the approximate market value of a vehicle, and it is also the sum insured amount of the insurance policy. It is calculated after determining the value of your two-wheeler. So, 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, and the market value is nothing but the IDV. Hence, a new two-wheeler has a higher IDV, and in turn, the bike insurance premium is also on the higher side. Whereas an old bike/scooter's IDV is lower, the same applies to the premium. That's the reason why insuring a new vehicle costs more than insuring an old vehicle.

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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. You can get up to a 50% discount on the premium (Own Damage component) for not raising any claims for five consecutive years. You can also transfer the NCB benefits if you switch to a new insurer.

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. On the other hand, the bike insurance premium will be lesser in a tier-1 or tier-2 city where the risk factor decreases. Hence, your location also impacts the insurance premium.

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 Model Wisely
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Insuring a commuter motorcycle is cheaper than insuring a premium sports bike. That’s because the sports bike has a larger engine capacity and higher market value than the commuter model. So, it’s better to consider the long-term two wheeler insurance costs while purchasing your new 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 Voluntary Deductible if you are confident enough that you are not going to raise a claim during the policy tenure. That way, you can buy cheap bike insurance. Increasing the percentage of this component will decrease the premium.


Use your NCB Discount
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Ensure that you utilise the NCB discount while renewing your policy. Even if you switch from one insurance provider to another, you can use the discount. You can get up to a 50% discount on the two-wheeler policy premium (Own Damage component) if you have not raised a single claim for five consecutive years.


Renew the Policy on Time
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Always make sure to 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, renewing the bike insurance plan on time can save you 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 the same 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.

Step 1
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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.

Step 2
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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 policy. You can also customise the IDV if you are opting for the Own Damage policy.

Step 3
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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.

Step 1
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Scroll to the top of this page or download the ACKO smartphone app.

Step 2
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Enter the vehicle number and choose the desired insurance plan.

Step 3
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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 Prices for Different Two Wheelers
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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 bike insurance price.

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 Bike 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 2022-23. Prices are subject to change as per the IRDAI.



Less than 75cc

Rs. 538

75cc to 150cc

Rs. 714

150cc to 350cc

Rs. 1,366

More than 350cc

Rs. 2,804

Third-Party Policy Premiums 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 Policy Premiums 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

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


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 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.

Need More Help?
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Have queries related to ACKO’s car insurance policies? 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