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

Bike Insurance in Delhi

Quick bike policy purchase. Lightning-fast renewal. Hassle-free claims.

Bike insurance starting at ₹555*

Bike number

Looking to insure brand new bike?

Zero commissions, big savings

Bike Insurance in Delhi

Delhi is one of India's most crowded cities, and as a result, you have many vehicles on the road. Surveys have shown that two-wheelers outnumber four-wheelers in Delhi, and as a result, the percentage of accidents involving bikes is also rising.

This is why it is imperative to have good bike insurance in Delhi.

Bike Insurance Plans in Delhi
Jump Tag Icon

The Motor Vehicle Act of 1988 has made it mandatory by law for every bike in the country to at least have third-party bike insurance to be able to ride anywhere in India legally. That being said, you should not just purchase an insurance policy just to avoid being fined for not having one. Good bike insurance in Delhi will protect you from any financial liabilities that may arise in the event you are involved in an accident in the city. Some policies offer better coverage and cover you in the event your vehicle is stolen or damaged due to natural calamities. ACKO has multiple insurance plans that offer varying levels of coverage based on your needs.

Third-party bike insurance plans
Jump Tag Icon

These are basic plans that protect you from any financial liabilities that may arise in the event any damage has been done to a third party's vehicle or property, and if they sustained any minor or fatal injuries. These plans, however, do not cover damages to your vehicle.

Comprehensive bike insurance plans
Jump Tag Icon

These plans are a step up from third-party insurance plans. A comprehensive insurance plan offers all the benefits a third-party plan does, while also covering the costs of damages to your bike, as well as if your bike were to be stolen or damaged in natural or man-made calamities like floods, earthquakes, riots for fires.

Personal Accident Cover
Jump Tag Icon

While this is not an insurance plan per se, it is an additional cover that is also mandatory by law to protect you financially if an accident leaves you with a permanent disability or a fatal injury.

Benefits of Buying Two-Wheeler Insurance from ACKO
Jump Tag Icon

ACKO offers the best bike insurance in Delhi. Apart from a hassle-free and paperless process of buying two-wheeler insurance in Delhi, here are some important benefits.

How to File a Bike Insurance Claim with ACKO
Jump Tag Icon

Filing an insurance claim with ACKO is a very straightforward and hassle-free process. Follow the steps mentioned below to file an insurance claim with us. 

What Are the Challenges Faced by Two-Wheeler Riders in Delhi? 
Jump Tag Icon

The traffic density of Delhi poses many challenges for two-wheeler riders in terms of safety and the probability of being involved in an accident. 

That being said, two-wheeler riders also have to take equal responsibility for following the rules and be alert and aware of their surroundings. 

How Can ACKO Insurance Come to Aid if Your Bike Is Damaged in An Accident in Delhi? 
Jump Tag Icon

ACKO offers thebest two-wheeler insurance plans for your bike, and they come with unique advantages over the competition in terms of convenience. 

How to Choose the Best Bike Insurance in Delhi?
Jump Tag Icon

Choosing the right insurance plan should be an informed decision as it can benefit you a lot in the unfortunate instance that you are involved in a bike accident. Below are some factors to consider when choosing an insurance plan. 

Jump Tag Icon

This is one of the most important factors to consider when choosing an insurance plan. You should choose an insurance plan based on its associated premiums that you can pay comfortably by taking cognizance of your finances.

You should also compare premiums to see how much value you are getting in comparison to what you are paying. 

Insured Declared Value (IDV)
Jump Tag Icon

The Insured Declared Value comes into the picture only when you opt-in for comprehensive insurance. This is the maximum amount you will receive in the event your vehicle is stolen or written off.

You can increase or decrease your IDV, and this will have a direct impact on your premiums. If you can afford it, it is recommended to select a high IDV so that you are eligible for maximum compensation, in the event the unthinkable happens to your beloved two-wheeler. 

Claim Settlement Ratio of the Insurer
Jump Tag Icon

The claim settlement ratio is the ratio of claims settled to claims received by the insurance company. The higher this ratio, the more likely your claim will be settled.

It is also important to consider the claim settlement time, which is critical during an accident. The shorter the time it takes to settle a claim, the better the bike insurance policy.

Choice of Add-ons
Jump Tag Icon

Certain insurers offer a wider variety of add-ons that you can opt-in for to improve the insurance coverage of your Bike insurance in Delhi. The more choices on offer, the more flexibility you have to improve your coverage based on your specific needs.

A good insurance plan can save you a lot of financial and mental agony if you find yourself a victim of a bike accident. ACKO puts our customer's convenience first to make sure you can focus on the more important things, while we take care of everything in the background.

Frequently asked questions
Jump Tag Icon

Here are the answers to some common questions about bike insurance in Delhi.


Which insurance plan is best for bikes in Delhi?

Even though a third-party two-wheeler insurance plan is the basic legal requirement, a comprehensive two-wheeler insurance plan would be the best bike insurance in Delhi. They do come with slightly higher premiums, but the benefits surpass the little extra you pay in premiums tenfold.

Which insurance company is best for bikes in Delhi?

ACKO, hands down, is the best two-wheeler insurance company in Delhi. We offer a complete digital and paperless experience where you can easily buy and renew your two-wheeler insurance online.

Is two-wheeler insurance mandatory in Delhi?

Yes, two-wheeler insurance is mandatory in Delhi by law. You can be fined up to Rs 4000 if you are found to be riding without bike insurance in Delhi.

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.