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Bike Insurance in Chennai

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Bike insurance starting at ₹555*

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Bike Insurance in Chennai

Two-wheelers is among the most sought-after modes of transportation in India. They are practical, fuel-efficient and pocket-friendly compared to four-wheelers, and their popularity has grown tremendously in the last couple of decades, especially in metros such as Chennai. The inconvenience of public transportation and lack of fuel-efficient vehicles, coupled with the affordability of motorcycles, scooters and mopeds, have led to an increase in the number of two-wheelers in the city.

On the flip side, the rise in the number of two-wheelers has led to an increase in accidents. This is where buying Comprehensive Bike Insurance in Chennai can mitigate expenses arising from repairing bike-related damages. Read ahead to learn more about how to buy two-wheeler insurance online quickly and without tedious paperwork.

Bike insurance plans in Chennai
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At ACKO, we offer different types of two-wheeler insurance policies in Chennai. Go through the section below to understand which insurance policy is best suited for you.

1. Third-party Bike Insurance
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Third-party Bike Insurance Policy provides coverage against third-party liabilities, including injury, death, and vehicle/property damage suffered by a third party due to an accident involving your insured two-wheeler. The Third-party Bike Insurance Policy is mandatory as per The Motor Vehicles Act, 1988. Not adhering to this mandatory requirement may lead to penalties and even imprisonment.

2. Comprehensive Bike Insurance
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Comprehensive Bike Insurance Policy covers damages to your bike and third-party liabilities. Hence, you can raise claims for damages to your two-wheeler, and it also covers the liabilities related to third-party injury (and death) and property damage. Damages to your bike incurred due to flooding, earthquake, rioting, vandalism and road accidents are covered. Furthermore, it also covers vehicle theft.

3. Personal Accident Cover (PA)
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The PA cover provides financial coverage to you against death or permanent disability while driving a vehicle. It is mandatory to opt for this cover under The Motor Vehicles Act, 1988. You can buy the PA cover with 3rd Party Bike Insurance or Comprehensive Bike Insurance. Note that this is not exactly a type of policy but a crucial cover.

Need for bike insurance in Chennai
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Chennai is one of the fastest-growing cities in the world. With the fast-paced life and the city's growth, the infrastructure is constantly being upgraded to enable road users in Chennai to commute conveniently. However, with the increasing number of vehicles in the city, the chances of accidents increase.

Damages to your two-wheeler or a third party can have devastating financial and legal consequences. Here's where having bike insurance in Chennai comes to your rescue, especially the Comprehensive Bike Insurance Policy. It covers damages to your bike and third-party liabilities and saves you from non-compliance-related penalties. Hence, it is advisable to always ride a two-wheeler in Chennai with valid insurance.

Challenges bike users face in Chennai
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Here are some of the difficulties faced by two-wheeler users in Chennai.

Why you should buy bike insurance in Chennai
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Here are the reasons why you should purchase two-wheeler insurance in Chennai.

1. Avoid traffic fines
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Riding a motorcycle, scooter or moped without bike insurance is an offence in Chennai. The traffic fine for riding without insurance is Rs. 2,000 for the first offence and Rs. 4,000 for the subsequent violations and/or imprisonment. Your Driving Licence can be suspended too.

2. Wholesome benefits
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Buy a Comprehensive Bike Insurance Policy for extensive coverage as it covers accident-related damage to your bike due to road accidents, natural calamities, and manmade disasters. It also covers bike theft and third-party liabilities.

3. Peace of mind
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Knowing that you are complying with the law of the land and you have a financial backup in case of mishaps offers peace of mind. Thus, with Comprehensive Bike Insurance, you can cruise on your bike worry free!

How can ACKO bike insurance protect your bike in Chennai?
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Riding a two-wheeler in Chennai can be challenging at times. Dug-up roads, diversions, and inattentive pedestrians add to the stress of riding on busy streets. Therefore, the chances of accidents are higher. Consequently, it is prudent to insure your bike at all times since it mitigates possible financial implications. 

You can buy bike insurance online in Chennai from our website/mobile app. Thus, you can purchase bike insurance for your motorcycle, scooter or moped within a few minutes of visiting our online platforms. 

For more information, visit our website to get a bike insurance quote in Chennai.

Benefits of buying bike insurance in Chennai from ACKO
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Here are the primary advantages of buying two-wheeler insurance from ACKO.

Easy Claims

1. Affordable plans
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You can buy bike insurance directly from us from our website/app. There are no middlemen; hence, no commissions. This results in low-cost bike insurance premiums so that you get the best two-wheeler insurance in Chennai.

Common > Car > Why Acko > Easy Claims

2. Quicker claims
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You can raise a claim through our website or mobile app, making it quicker to submit claims instead of spending time and effort regarding lengthy paperwork. Minor claims, like a dent, are settled almost instantly.

Unique Plans & Discounts

3. Exciting discounts
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You can get discounts on your ACKO bike insurance on special occasions and festivals. So, stop worrying about high-cost bike insurance in Chennai and head to our mobile app or website to insure your bike at an affordable premium.

How to buy bike insurance in Chennai
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The process of buying two-wheeler insurance in Chennai is easy and hassle-free. Here are the steps to follow while purchasing the policy from ACKO.

How to raise a claim with ACKO
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Here are the steps to register a claim with ACKO through our app or website.

Once you complete the above steps, we shall review your claim and settle it immediately if the damages are minor. As for significant damages, we shall settle the claim based on the extent of damages (subject to the terms and conditions of the policy).

Frequently asked questions
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Here are the answers to some common questions about bike insurance in Chennai.


How to buy bike insurance online in Chennai?

Head to the top of this page or download our mobile app, and follow the process to buy or renew bike insurance in Chennai instantly.

Which is the most ideal bike insurance in Chennai?

Comprehensive Bike Insurance is considered an ideal insurance policy since it covers damage to your bike and third-party liabilities. 

Is online bike insurance valid in Chennai?

Yes, bike insurance purchased online in Chennai is valid across the country. 

Is it mandatory to insure your bike in Chennai?

Yes, it is compulsory to insure your bike in Chennai with the mandatory third-party Bike Insurance Policy. Failure to adhere to the rule shall lead to traffic penalties and/or imprisonment.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.