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Long-term two-wheeler insurance is a policy that insures your two-wheeler against unexpected events for up to 5 years. Purchasing a multi-year bike policy removes the need to renew bike insurance every year.
Here’s a table showcasing different combinations of ACKO’s Long-term 2 wheeler insurance policies currently available on our website/app. Note that the plan-related details are subject to updates and availability.
|Type of two-wheeler||Long-term Two-wheeler Insurance Policy options|
|Brand-new bikes||1) Third-party Plan (5 year coverage)|
|2) Comprehensive Plan (Own Damage cover for 1 year + Third-party Liability cover for 5 years)|
|Old bikes (older than 5 years)||1) Third-party Plan (1/2/3 year coverage)|
|2) Comprehensive Plan (1/2/3 year coverage including Own Damage and Third-party Liability covers)|
Whether minor damage or total loss, our wide-ranging Long-term Bike Insurance Policy covers you for claims against third-party liabilities, damages to your bike due to accidents and natural/manmade calamities, and bike theft.
Buy our Long-term Two-wheeler Insurance Policy by scrolling to the top of this page to get an instant multi-year bike insurance price (quote) for your two-wheeler.
Long-term or multi-year two-wheeler insurance offers complete peace of mind. It provides long-term bike insurance coverage in a single policy with a one-time premium payment.
Our 2 or 3 year bike insurance policy removes the hassle of renewing two-wheeler insurance annually.
Furthermore, our Long-term Two-wheeler Insurance Policy allows you to purchase our 2 wheeler insurance at a lower rate along with a superior claim experience.
Whether it’s a motorcycle, scooter or electric bike, consider choosing bike insurance for 3 years or 2 years to get the best bargain on bike insurance and enjoy a stress-free ride for a more extended period.
Here are the important features of multi-year two-wheeler insurance.
✅ Policy renewal frequency: once in 3 years
✅ Long-term coverage
✅ Zero increase in bike insurance premium for 3 years
✅ Nullifies losses as a result of breaks in policy renewal
✅ Quick online long term bike insurance purchase
Here are the coverage details of long-term two-wheeler insurance.
✅ Damages sustained due to natural calamities such as earthquakes, fires, storms, floods, landslides, etc.
✅ Damages caused due to unforeseen events such as riots, vandalism, terrorist activities, etc.
✅ Bike theft is also covered.
✅ Accidental damages or losses causing injury or death to a third party and damages to their property or vehicle.
Here are the instances not covered under the long term bike insurance (Comprehensive Policy). Please refer to the respective policy wordings for precise details.
❌Normal wear and tear of bike parts.
❌Damages incurred while riding the bike under the influence of alcohol or other intoxicating substances.
❌Damages sustained if the bike is used for other purposes than intended.
❌Damages caused due to war, nuclear risk, or mutiny.
❌Riding the bike without valid documents (expired bike insurance, expired Driving Licence (DL).
Here are the types of long term bike insurance.
Third-party Insurance for bikes offers a financial shield against third-party liabilities. ACKO’s Long-term 3rd Party Insurance provides coverage of up to 3 years. However, it does not cover damages to your bike.
This policy is suitable for those who want coverage only for third-party liabilities.
In addition to Third-party Insurance, this policy offers financial protection against damages to your two-wheeler for up to 3 years. You can choose the tenure based on your needs.
This policy is suitable for those looking for financial protection against third-party liabilities and damages to their vehicle, including vehicle theft.
Here’s why you should consider buying long term bike insurance.
Renewing two-wheeler insurance annually could be a hassle sometimes. Instead of renewing your bike insurance policy every year, you have the convenience of paying a single premium for a 2 or 3 year bike insurance policy. Furthermore, you can buy long-term two-wheeler insurance online without the need of middlemen or agencies.
Avoid paying fines for riding the bike without valid bike insurance as insuring your bike with Third-party Insurance is mandatory as per The Motor Vehicles Act, 1988. Moreover, you can avoid bike inspection while renewing your bike insurance policy.
You receive a bike insurance renewal premium discount for not raising claims during the policy period. This remains in effect for 90 days after the policy expiry date. Post this period, the NCB lapses. With long term bike insurance, you don’t have to worry about an annual lapse in NCB.
When your bike insurance expires, it needs to be inspected if there is a considerable gap between the expiry date and renewal date. Such policies are called ‘Break-in policies’. In such cases, there is also the possibility of an increase in the bike insurance premium. You can avoid this situation on an annual basis by opting for the 2 or 3 year bike policy.
You may get a lower price by opting for a 2 or 3 year bike insurance policy. Thus, buying a long-term policy will prove beneficial in the long run. All of this can be done by purchasing the long-term two-wheeler insurance online.
Third-party bike insurance rates are regulated by the Insurance Regulatory and Development Authority of India (IRDAI). The rate is usually revised regularly. However, long term bike insurance protects you from any possible increase in 3rd Party Insurance rates.
Remembering to renew your bike insurance every year could be a cumbersome task. And, if you miss renewing it on time, the consequences can hurt your finances. So, is long-term bike insurance better, or is regular bike insurance good enough? Read our article about the difference between long-term and short-term two-wheeler insurance for a better understanding.
Here is how you can buy our long-term two-wheeler insurance online.
Visit our website or access our app.
Enter your bike registration number, make, model, and year of manufacture.
Select the bike insurance for 3 years or 2 years, pay the premium online and insure your bike instantly.
The long-term bike insurance premium (Comprehensive Policy) is determined based on the following factors.
Engine capacity (cc for third-party premium)
IDV or Insured Declared Value (current market value of the bike)
Regional Transport Office (RTO) details
Year of manufacture
You can use our bike insurance calculator to get a long-term two-wheeler insurance policy quote.
Here are key points you need to consider before buying the bike insurance for 3 years or 2 years.
Choose the policy that provides maximum benefit at an affordable price. You may prefer the basic Third-party Two-wheeler Insurance; however, it does not cover damages to your bike. It is ideal to choose the long-term Comprehensive Bike Insurance for wide-ranging benefits.
Most insurers offer long-term two-wheeler insurance for a set number of years. Choosing a long-term bike insurance policy is all about balancing costs and needs. Ensure you have sufficient coverage but at an affordable price. Opt for add-on covers (as per availability) if need be to enhance the insurance coverage.
While long-term two-wheeler insurance is offered at a discounted rate, it is more affordable when you buy it from digital insurers such as ACKO. Since we work on the direct-to-customer model, there are no middlemen commissions. This enables us to offer low-cost, long-term bike insurance policies for different types of two-wheelers.
IDV is the approximate market value of the bike. It is calculated after considering the two-wheeler’s depreciation from the bike’s ex-showroom price. Read our article about how is the IDV calculated for bike insurance for more details.
While the multi-year Comprehensive Two-wheeler Insurance covers own damage and third-party liabilities, the multi-year 3rd Party Insurance covers only third-party liabilities. For wide-ranging benefits, it’s ideal to choose long-term or multi-year Comprehensive Insurance.
A long-term two-wheeler insurance policy offers stress-free financial protection for 2 to 5 years. You need not worry about price hikes or annual renewal. We also offer discounts on long-term bike insurance policies.
Yes, you can opt for long-term bike insurance policies for a term of up to 5 years. The IRDAI has allowed insurers to offer bike insurance policies for a term of up to 5 years.
No, you cannot buy a 3 year two-wheeler insurance policy for OD cover. However, you can purchase a 2 or 3 year of Comprehensive or Third-party Bike Insurance for your bike.
Yes, you shall receive a refund after considering the terms and conditions of the policy. You can reach out to us at [email protected] for details.
Yes, you can switch to a new insurer before your multi-year or long-term two-wheeler insurance policy expires. Raise a policy cancellation request, and the refund shall be calculated based on the remainder of the tenure and the terms and conditions of the policy. You can then switch to a new insurer.
Whether it is a misspelt name or incorrect personal details, you can make changes to these details online. Access your ACKO account via our website/app and change details online. You can also give us a call. Our support team shall guide you through the process.
Yes, you can switch to long-term bike insurance while renewing your bike insurance. You can choose either the 1 year, 2 year, or the 3 year insurance policy for two-wheelers.
Yes, you can insure a 15-year-old two-wheeler. Motorcycles, scooters or electric bikes, provided it has a valid Fitness Certificate (FC). All vehicles over 15 years must be insured with the mandatory 3rd Party Insurance. Failure to do so shall invite traffic penalties.
As per The Motor Vehicles Act, 1988, it is compulsory for all motor vehicles to be insured with Third-party Insurance. But, for financial protection against damages to the bike, it is ideal to buy Comprehensive Insurance for your two-wheeler, which includes mandatory coverage. It is even better if you opt for long-term two-wheeler insurance since you can avail of discounts, stay shielded from price hikes and be stress-free for 3 years. Read our article on bike insurance mandatory for 5 years for more details.
You can avoid paying a bike insurance premium yearly by opting for a long-term bike insurance policy. You need not worry about renewing the bike policy every year.
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.
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IRDAI Registration No: 157
Category: Non-Life Insurance
The use of images and brands are only for the purpose of indication and illustration. ACKO claims no rights on the IP rights of any third parties. The ratings are derived from reviews and feedback received from Google and Facebook users on their respective platforms. | *Save Rs. 45,000 has been calculated on IDV of 20,00,000, 0% NCB and select add-ons. Amount saved is in comparison to Acko's F&U filing. Product name: Private Car Policy - Bundled | UIN: IRDAN157RP0014V01201819 |
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