Two Wheeler Insurance

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What Are The Types Of Two Wheeler Insurance Plans That We Offer?

We offer three types of two wheeler insurance plans:

Comprehensive Two Wheeler  Insurance
Third Party liability coverage

What Is Covered Under Two Wheeler Insurance

  • Accidental Damage

    • Any losses or damages that you may suffer due to an accident caused while driving are covered in two wheeler insurance policy. .

  • Theft and Burglary

    • According to a report, almost 75% of vehicles that are stolen in India are two wheelers. If you have a two wheeler insurance policy, then you would have some respite since your losses due to theft would be covered.
  • Natural Disasters

    • Natural calamities like earthquakes, cyclones, floods can literally destroy your bike. Any damage caused to your bike/scooter due to such natural disasters is covered under Bharti AXA Bike Insurance Policy. 
  • Man-Made Disaster

    • Any loss occurred due to accidental fire, riots, strike, etc., is covered under your bike insurance policy.

  • Third-Party Losses

    • Did you end up hurting or damaging a person or property while riding your bike? Fear not, the losses that you may have to pay for are covered by the third party liability insurance plan.

What is Covered Under Two Wheeler Insurance

What Is Not Covered Under Two Wheeler Insurance

  • Drunk Driving

    • If you damage the bike while you drink and drive, it will not be covered under two wheeler insurance. Don’t drink and drive.

  • Regular Wear and Tear

    • After a period of time, the vehicle is bound to face regular wear and tear as well as losses due to depreciation of vehicle. These aren’t covered under two wheeler insurance policy.

  • Driving Without Valid License

    • Damage/ loss to the vehicle without a valid driving license will not be covered. .
  • Other Reasons

    • The reasons which are not mentioned above like consequential damages, mechanical failures, contributory negligence, staged accidents etc. will not be affirmed as a reason towards an insurance claim.
What is Not Covered Under Bike Insurance

Depreciation Cover

Our bike insurance add-on saves you from paying depreciation on the expenses of repair or replacement of parts such as glass, fibre, rubber or plastic Bike Insurance Depreciation Cover

Personal Accident Cover

If there is a bike accident and it leads to several injuries or unfortunate death/ disability. Personal Accident Cover add on will be your savior from the loss. Bike Personal Accident Cover

Instant Policy Online

Our instant and simple policy issuance process makes buying bike insurance online, a breeze.

Wide Range Of Add On Covers

You can customize your bike insurance coverage based on your specific requirements through add-on covers.

94.06% Claim Settlement Ratio (Motor)

We understand that you’re already stressed when the need for filing a bike insurance arises. Therefore, we have established a smooth and fast process for settling claims. Claim settlement ratio is one metric that you can look at to check the claim settlement experience of any insurer’s customers.

5200+ Cashless Garages

Bike repairs can get financially stressful with hefty bills to pay. Moreover, it’s also emotionally taxing. We agree. Just seek any of our cashless network garages that is nearest to you. We’ll directly settle the bills with the garages. Life’s simpler, isn’t it?

24/7 claim assistance

With bike insurance policy offered by Bharti AXA, you can be assured of assistance anytime of the day. You can contact us using the toll-free numbers: - For claims & your queries for renewal.

What Are Benefits Of Buying Two Wheeler Insurance Online?


Buying two wheeler insurance online is quite easy in today’s digital world.! You just need a mobile device or a laptop with internet and you can purchase Bharti AXA Bike insurance in a few clicks.

Simple Steps

Steps to follow for buying bike insurance policy online Just visit Bharti AXA website, enter your details, and select the particular two-wheeler insurance you want to buy or renew and pay for it online. As soon as the payment is processed, the e-copy of the policy will be sent to your mailbox instantly. You can get your bike insurance, without the hassles of documentation or inspection process.

So Many Payment Modes

You can make payment using your preferred digital payment options such as:

  1. Net Banking
  2. Debit/Credit card
  3. Online wallet like PayTM and others
  4. UPI
  5. Google Pay

Quick Assistance

If you have any doubts related to the two wheeler insurance buying or renewal, then you can quickly seek clarification via online chat or call. In most cases, your query would be immediately


Comprehensive Two Wheeler Insurance

If you are looking for a 360 degree cover for your bike, then this is your policy. One of the things that makes comprehensive bike insurance popular among two-wheeler insurance is it covers you from third-party damages and own damages to your bike.

Imagine an armor that can cover you from head to toe. A comprehensive insurance policy is like that armor for your two wheeler. It provides extensive cover to your bike from various unforeseen events.

By choosing a comprehensive two wheeler insurance policy, you can also opt for several add-on covers to strengthen your bike insurance coverage.

Note: Both the third-party liability and comprehensive cover plans also include the compulsory personal accident cover for owner-driver with a premium of particular amount, for which the owner-driver is liable to receive a sum assured amount of Rs. 15 lacs in case of:

Death 100%
Loss of two limbs or sight of two eyes or one limb and sight of one eye. 100%
Loss of one limb or sight of one eye 50%
Permanent total disablement from injuries other than named above. 100%

Third-Party Liability Coverage

Remember how it was compulsory to carry your ID card to college? Similarly, if you own a two wheeler then it is mandatory by law as per the Motor Vehicle Act 1988 to purchase a third party bike insurance policy. A third party liability insurance policy would protect you against financial losses which you may suffer:

Due to injuries or accidental death caused to another person


Damages caused to property or vehicle.

The base premium for third party liability insurance depends on the cubic capacity of the two wheeler’s engine. The Insurance Regulatory & Development Authority of India (IRDAI) revises the rates for base premium every year. As per the recent guideline by Insurance Regulatory and Development Authority of India, insurers are directed to offer five year third party liability for new two wheelers. Hence, the policy for a new two wheeler vehicle will cover the TP premium for 5 Years.

As of 16th June 2019, the third party insurance premium rates are as mentioned below:

Engine Capacity TP Premium Rate for annual renewal  TP Premium for 5 year policy
Less than 75 cc ₹428 ₹1,045
Above 75 cc but less than 150 cc ₹752 ₹3,285
More than 150 cc but less than 350 cc ₹1,193 ₹5,453
More than 350 cc ₹2,323 ₹13,034

For Electric Two Wheelers

Engine Capacity One Year Policies Long-Term  Policies
Not exceeding 3 KW ₹410 ₹888
Exceeding 3 KW but not exceeding 7 KW ₹639 ₹2,792
Exceeding 7 KW but not exceeding 16 KW ₹1,014 ₹4,635
Exceeding 16 KW ₹1,975 ₹11,079

Note: There is compensation up to Rs1 lakh for third-party property damage for a two wheeler. If there is a case of injuries/death, it will be taken into the court tribunal.

Why Buy Two Wheeler Insurance Online?


India is the largest two wheeler market in the world. In 2019 alone, there were more than 20 million motorcycles sold in India. With so many bikes across the cities, accidents and thefts are very obvious. Apart from causing damage to the vehicle, an accident can also result in disability or death. Hence, it is not only important but also mandatory by law (Motor Vehicle Act 1988) to own a two wheeler insurance policy.

Imagine that you are riding a bike and all of sudden you met with an accident. Your overall bike repair cost can leave a big hole in your pocket.If your bike is insured then you would be protected from damages or losses caused.

Therefore, by paying an affordable premium, you can ensure the safety of your scooter/motorbike and yourself with bike insurance policy.

In simple words, just like how a helmet protects you from a life-threatening injury, a two wheeler insurance protects you from financial losses.

In case your bike insurance plan is about to expire, it is important to renew it. It is easy to renew bike insurance policy online. If you own a comprehensive bike insurance plan and have an NCB (No Claim Bonus) add on, then you can even avail of a discount on your bike insurance renewal online.

Two wheeler Insurance Blogs

Two Wheeler Frequently Asked Questions

Policy's Coverage

You Can Enhance Your Two Wheeler Insurance With Our Depreciation Cover Add-On

What Are Benefits Of Buying Two Wheeler Insurance Online?

Overview Of Bike Insurance Coverage

Damages/ Lossed Third Party Comprehensive
Damage/losses to own vehicle due to an accident X
Theft of Car X
Damage/losses due to fire X
Damage/losses due to natural disaster X
Damage to the vehicle of third party and property
Personal Accident Cover (if opted)
Injury/ Death of Third Party due to an accident



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Two Wheeler Insurance

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