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

Bike Insurance in Surat

Buy or Renew Bike Insurance in Surat, Gujarat with ACKO

Bike insurance plans in Surat starting at ₹457*

Bike number

Looking to insure brand new bike?

Zero commissions, big savings


Home / Two-wheeler Insurance / Two-wheeler Insurance Surat

Surat, the bustling economic heart of South Gujarat, is renowned for its thriving textile industry and rapid urbanisation. Despite its economic prosperity, the city grapples with challenges like poor transport management, frequent vehicle theft, and monsoon-induced urban flooding, contributing to accidents and traffic snarls. For bike owners in Surat, securing a two-wheeler insurance policy is crucial. 

In this complete guide, we will dig deeper into the complexities of bike insurance in Surat, emphasising the importance of coverage and exploring the offerings provided.

Bike Insurance Plans in Surat
Jump Tag Icon

Understanding the types of insurance plans available is essential for Surat's bike owners to make informed decisions regarding their coverage.

Third-Party Bike Insurance: Your Must-Have Basic Cover
Jump Tag Icon

Third-party liability insurance is the most fundamental coverage every bike owner must legally have in India as per the Motor Vehicles Act. It covers injury, death or property damage caused by you to a third party due to an accident involving your two-wheeler.

Without third-party bike insurance, you face unlimited liability risks if held legally responsible for the losses suffered by third parties like pedestrians, other vehicle occupants, infrastructure damages, etc. Their medical expenses, loss of income and compensation claims could run into lakhs based on the gravity of injury, disability levels or death.

Comprehensive Bike Insurance: Your Complete Protection Policy
Jump Tag Icon

While third-party cover is mandatory by law, comprehensive bike insurance is an optional add-on policy that every bike owner should consider for all-inclusive protection. As the name suggests, it comprehensively shields against wider monetary risks.

Comprehensive insurance provides extensive coverage, including:

Additionally, you can opt for various add-ons at extra premiums, like engine & gearbox protection, zero depreciation, consumables, roadside assistance, etc., to customise the policy per your specific needs.

While premiums are higher than basic third-party plans, comprehensive insurance provides immense peace of mind against financial shocks. It covers costs of bike repair/replacements if total loss or theft and, most importantly, covers any third-party claims.

Benefits of Buying Bike Insurance From ACKO
Jump Tag Icon

ACKO is a new-age insurance company known for its digital-first business model and superior customer experience. Here are some major benefits of purchasing your two-wheeler insurance from ACKO:

Cost-Effective Premiums
Jump Tag Icon

As an online insurance provider, ACKO relies heavily on technology to optimise operations. This helps reduce overheads related to paperwork, branches, etc., significantly. Additionally, ACKO uses a direct-to-customer, zero-commission model bypassing brokers. These factors combined allow ACKO to offer feature-rich policies at highly affordable premiums.

Lightning-Fast Claim Settlement
Jump Tag Icon

ACKO has brought innovative tech advancements into insurance claim processing, enabling unbelievably quick settlements. While the average industry settlement time is 15-20 days, ACKO approves payments in 3-4 hours for minor repairs. Even total loss or theft claims get settled reliably quickly! This provides huge relief during the stressful claim phase.

Attractive Seasonal Discounts
Jump Tag Icon

Apart from highly competitive premiums year-round, ACKO offers special seasonal discounts periodically. Customers can save extra money by buying or renewing policies during discount Sales. These periodic offers and affordable premiums throughout the year ensure optimal savings on bike insurance purchases.

How do you File a Bike Insurance Claim with ACKO
Jump Tag Icon

Here is a detailed explanation of the process to file a bike insurance claim with ACKO in 8 steps:

Thus, ACKO's rich digital systems and integrated customer login allow you a streamlined, smooth experience while filing bike insurance claims.

How to Select the Best Bike Insurance Plan in Surat
Jump Tag Icon


Purchase Insurance Online
Jump Tag Icon

The easiest and most convenient option is buying a two-wheeler policy online via insurance provider websites. Online purchase allows faster issuance by eliminating paperwork and saving you the commissions you would otherwise pay to agents or intermediaries. You can also manage policy documentation and details seamlessly through dedicated customer login portals provided by insurers.


Compare Bike Plans Thoroughly
Jump Tag Icon

Invest time using online comparison calculators and tools to thoroughly assess different bike insurance plans based on policy coverage features, pricing, claim settlement records, available add-ons, etc., relevant to your specific usage needs and budget. It helps zero in on policies offering optimal features and benefits tailored to your unique requirements.


Verify Provider Credibility
Jump Tag Icon

While making bike insurance purchases online, do not just select a plan based on pricing or coverage details. The insurance provider's financial stability and service reliability hold equal importance - especially during the all-important claims phase. So verify metrics like the insurer's claim settlement ratio, years in business, customer reviews, etc., before finally purchasing coverage only from reputed and financially sound brands. 


Analyse Policy Exclusions
Jump Tag Icon

Scrutinise the fine print and analyse vital aspects like exclusions, waiting periods, etc., before finalising your bike insurance policy selection. Certain insurers impose wide constraints regarding claim-related aspects, which can limit payout amounts later on. Be prudent to observe and avoid such restrictive clauses.


Consider Add-Ons
Jump Tag Icon

You can further enhance your core bike insurance coverage as suitable for your specific two-wheeler model and individual usage needs by purchasing relevant add-on covers like Zero Depreciation, Personal Accident Cover, Roadside Support, etc. These optional protections require paying a marginal extra premium but provide a financial buffer during various adversities.

Reasons You Should Buy or Renew Bike Insurance in Surat
Jump Tag Icon

Protection against Natural Disasters

Imagine returning to your parked two-wheeler in Surat only to find it submerged in floodwaters or damaged by extreme weather. Bike insurance acts like a protective shield, providing financial support to replace your vehicle after unforeseen calamities like floods, storms, or other natural disasters.

Protection of Legal Interest

It's not just about safeguarding your finances; bike insurance is legally necessary under the Motor Vehicles Act 1988. Picture this scenario: you get stopped by traffic authorities for a routine check, and you can't produce a valid insurance policy. In Surat, just like anywhere in India, this could lead to big fines, imprisonment, or both.

Access to No Claim Bonus (NCB)

For the responsible rider in you, there's the No Claim Bonus (NCB). If you stay claim-free during a policy year, you earn this bonus, which translates to a reduced premium during policy renewal. It's like a reward for being a careful and responsible rider, providing a financial incentive for maintaining a clean claims record.

Helps You Pay the Repair Bill

Road mishaps can happen unexpectedly, leaving your two-wheeler with damages or mechanical issues. Whether it's a minor scrape or a major collision, repair bills can quickly add up. It might be difficult to cover these unexpected expenses for bike owners relying on their vehicles daily. Bike insurance steps in, helping you pay the repair bill without wiping out your savings.

Gives You a Sense of Security

Beyond all the specific benefits and features, renewing or purchasing bike insurance in Surat provides a comforting sense of security. It's like having a safety net that ensures you're covered in case of the unexpected, giving you peace of mind as you navigate the roads of Surat.

Jump Tag Icon

Bike insurance is an essential financial safety net for two-wheeler owners in Surat, shielding against accident expenses, theft losses, third-party claims and more. Compare online plans from reliable insurers like ACKO to find affordable coverage with benefits like low premiums, fast claim settlement and helpful add-ons. Be an informed buyer - analyse policy features in-depth and verify provider credibility through metrics like claim settlement records.

Frequently Asked Questions on Bike Insurance in Surat
Jump Tag Icon



Q1. Is bike insurance mandatory by law in Surat?

As per India's Motor Vehicles Act, at least third-party liability insurance is compulsory for all two-wheelers plying on Surat's roads. Driving uninsured bikes can lead to fines or even imprisonment.  

Q2. How long does it take to buy bike insurance online? 

Online bike insurance can be purchased in under 10 minutes, including form-filling, documentation upload and payment. Policies get issued instantly without paperwork delays.

Q3. Can expired bike insurance be renewed online?  

Yes, expired two-wheeler policies can be renewed quickly through insurer websites or apps by paying the due premium and completing formalities without paperwork.

Q4. What documents do I need when filing a bike insurance claim?

Essential documents include FIR, repair estimates/bills, invoice proof, photographs capturing damage, ownership proof, policy copy and KYC documents like ID/address proof.

Q5. How do I locate the best bike insurance providers in Surat?

Compare online plans from insurers based on their policy features, claim settlement ratio, pricing, discounts and customer reviews to find the optimal mix of benefits & reliability.