Two-wheeler Insurance: Ensuring Smooth Rides and Peace

Two-wheeler insurance typically covers damage to your vehicle caused by accidents, theft, vandalism, natural disasters, and other specified incidents. It also provides liability coverage for bodily injury and property damage to others.

Third-party liability coverage pays for injuries or property damage you cause to others while riding your two-wheeler. It is mandatory and helps protect you from legal and financial consequences.

Comprehensive coverage protects against non-collision events such as theft, vandalism, fire, hail, or natural disasters. It covers the cost of repairing or replacing your two-wheeler.

Yes, two-wheeler insurance policies can be customized to suit your needs. You can choose different coverage levels, add optional coverages, or adjust deductibles to align with your preferences and budget.

Factors affecting two-wheeler insurance premiums include your driving record, age, location, type of vehicle, coverage limits, deductible amount, and credit history.

A deductible is an amount you agree to pay out of pocket towards repairs or claims before your insurance coverage kicks in. Choosing a higher deductible may lower your premium but increases your upfront costs in case of a claim.

Yes, two-wheeler insurance can be transferred to a new owner when you sell your vehicle. The new owner needs to contact the insurance company and follow the necessary policy transfer procedures.

Yes, you can add accessories to your two-wheeler insurance policy by opting for additional coverage. This protects accessories such as helmets, side boxes, or modifications.

Yes, most two-wheeler insurance policies cover pillion riders. They are included in the coverage for liability, personal accident cover, and any other benefits provided by the policy.

If you lend your two-wheeler to someone and they have permission to use it, your insurance generally provides primary coverage in case of an accident. However, it's important to check your policy terms and conditions.

After an accident, prioritize the safety of all involved parties. Exchange information with other parties, document the scene, and contact your insurance company to report the incident and initiate the claims process.

Yes, you can typically cancel your two-wheeler insurance policy. However, there may be cancellation fees or penalties depending on the terms and conditions outlined in the policy. Review the cancellation policy with your insurance provider.

It's recommended to review your two-wheeler insurance policy annually or whenever there are significant changes in your riding habits, vehicle, or personal circumstances. Regular reviews help to ensure you have adequate coverage.