Minus/plus icon
ResourcesExplore the full ACKO experience and make the most of your plan

Home / Two-wheeler Insurance / Articles / Contactless Bike Insurance: Buying/Renewing Steps

Contactless Bike Insurance: Buying/Renewing Steps

Team AckoDec 24, 2023

The COVID-19 pandemic has changed how service providers offer their products to customers by adopting innovative technological solutions. One of the innovations that emerged as a boon to customers is contactless service. This type of service does not require customers to visit the insurance company’s office to buy, renew or register a claim against their policy.


In this article, you will read about contactless two-wheeler insurance and its benefits.



What is contactless bike insurance?

Contactless bike insurance is a process where you can insure your two-wheeler without physically meeting an agent or visiting the insurer’s branch. This is possible through various online methods such as the insurer’s (in this case, ACKO) website or mobile application.

You can compare bike insurance, understand the inclusions and exclusions, select a plan, include valuable add-ons to the base plan, make the payment and receive the policy document to your email without any physical contact.

Steps to purchase contactless bike insurance

You can buy bike insurance in two ways - online or offline. The process of buying two-wheeler insurance online is considered contactless since you and the insurer are connected via an online or digital platform. Digital-first insurers such as ACKO are equipped with an excellent digital infrastructure for a contactless experience. There is no paperwork involved while you buy or renew bike insurance. Plus, the entire process is quick, which you can complete at your convenience. 

Here are the steps involved in buying or renewing bike insurance through the contactless process.

  • Step 1: Visit or download the ACKO mobile app.

  • Step 2: Enter your bike registration number and the previous policy details (if available).

  • Step 3: Select the plan, make the payment online to insure your bike instantly.

You can pay the premium through net banking, UPI, credit card, etc.

Benefits of contactless bike insurance

Following is the list of benefits of contactless two-wheeler insurance.

No risk of COVID-19 infection

As there is no physical contact between you and the ACKO, you don’t have the risk of being infected by COVID-19 while purchasing the policy. You can buy, renew or file a claim from the comfort of your home.

24x7 accessibility

Unlike the offline mode, you can visit the website or the mobile application at any time of the day. Whether you want to purchase, renew or raise a claim, you can access these services 24x7.

No commission model

Since you are transacting directly with ACKO, there is no middlemen are involved; hence, no commission is involved. Also, since ACKO is a digital insurance company, the operational costs are low, enabling us to design low-cost bike insurance policies. With all transactions completed online, the process is quick since you can insure your bike instantly.

Contactless bike insurance claim

Similar to the contactless procedure to buy or renew the insurance policy, you can file a claim without meeting insurance personnel or skipping a visit to the branch. Here are the steps to raise a claim through our website or mobile app.

  • Step 1: Visit our website or mobile app through an internet-enabled device to log into your account.

  • Step 2: Select the policy card against your bike and click on ‘Claim Now.’

  • Step 3: Answer a few questions about the damages/losses and upload the pictures of the damaged bike to submit your claim.

ACKO may settle your claim within a few hours if the damages are minor. As for severe damages, our support team will guide you through the process.

Choosing the right insurance policy for your bike

Selecting the right bike insurance policy is easy if you know your requirements. A bike insurance policy should provide financial coverage against damages to your bike and third-party liabilities. 

Apart from protection against damages and third-party liability, you need to enhance the base Comprehensive plan by including valuable add-ons. They provide specific coverage for a small premium. 

As a bike owner, you must buy the desired insurance policy that meets your bike’s insurance needs. You can choose the type of insurance plan, select the Insured Declared Value (IDV) - the bike’s market value, and choose the add-ons. Consider buying add-ons such as:

  • Zero Depreciation cover: It negates the depreciation of any body parts of your bike while settling claims.

  • Engine Protection cover: It covers the damages to the bike engine.

  • Roadside Assistance cover: It offers multiple services if your bike suffers a breakdown.

You can also opt for add-ons such as Personal Belongings - Damage/Theft Cover that offers financial protection in case your personal belongings such as your helmet is damaged or stolen. You can opt for the Key Protect Cover for coverage against loss of the bike key or damages to the lockset. 

The Outstation Emergency Cover provides a financial payout in case your bike meets with an accident or suffers a breakdown outside a 100kms radius of your place of residence. You can also opt for Consumables Cover that covers consumable items such as nut and bolt, engine oil, grease, distilled water, etc.

In a nutshell

Contactless bike insurance is an excellent alternative to offline bike insurance. It keeps you safe during pandemics such as COVID-19 that requires you to maintain social distancing. With the advent of digital technology, you need not meet a person or visit the insurance company to secure your bike with the bike insurance policy. 

You can buy, renew, raise claims, and even read about different aspects of bike insurance and compare policies without stepping out of your home. ACKO is a digital-first insurance company that works entirely on the online platform. You can buy contactless bike insurance from ACKO and this process is easy, super quick, and hassle-free.

Frequently asked questions

Following are some of the commonly asked questions about contactless bike insurance. You can also get in touch with us by writing to us at [email protected] for more queries.

Why should I opt for contactless bike insurance?


Contactless bike insurance enables you to buy, renew or raise claims from the comfort of your home. Therefore, contactless two-wheeler insurance is a boon, especially during unforeseen and grave situations.

Did the COVID-19 pandemic lead to the introduction of contactless bike insurance?


No, contactless bike insurance was prevalent even before the COVID-19 pandemic began. However, with the outset of the pandemic, more people were forced to opt for contactless bike insurance. Considering the lockdown rules, many insurers also quickly pivoted to online methods to offer convenience, flexibility, and safety to their customers.

Will my bike undergo inspection before being issued a policy?


No, there is no bike inspection involved when you buy bike insurance from ACKO. Enter a few details of your bike and previous policy details (if available) on our website or mobile app to insure your bike instantly.

What are the documents required to buy contactless two-wheeler insurance?


With ACKO, you do not require any documents to buy or renew your bike insurance policy. All you need are the details of your bike and your previous policy (if available).

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet; and is subject to changes. Please go through the applicable policy wordings for updated ACKO-centric content and before making any insurance-related decisions. Explore More:


Want to post any comments?


Bike insurance prices starting at just ₹457*

Buy or Renew Two Wheeler Insurance in 2 Minutes ⚡

Bike number

UID: 5676 | *T&Cs apply

Looking to insure brand new bike?

Zero commissions, big savings

UID: 5676 | *T&Cs apply

quote icon

Get Quote

quote icon