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The Need For Two-Wheeler Insurance

It’s always fun to enjoy the thrill of zooming on your bike. But you can make your experience more valuable by gifting your dear bike with insurance.

Unfavourable and unforeseen events can bring hiccups in your journey. More importantly it leaves financial, legal, and emotional set-backs.

Why compromise on the safety of your dream bike? With bike insurance, you can have a smooth ride with a complete peace-of-mind. Though it is mandatory to have a third-party vehicle insurance as per law, having a comprehensive two-wheeler insurance plan makes perfect sense.

The third-party liability insurance covers only third-party liabilities - body injuries, property damage, death of third-party.

With a comprehensive plan, you get complete protection from unfavourable situations that you can be exposed to. Apart from third-party liability, it covers you and your bike from losses caused due to theft, damage due to accidents, natural or man-made disasters.


Bharti AXA Bike Insurance Benefits


Unfortunate events occur without a warning. The best you can do is to shield yourself in advance to minimize as much losses as you can. Whenever you plan to take a bike trip either alone or friends, you can be assured to have us as your safety partner. Our expert team is always ready to assist you at any time. You can easily customize your two-wheeler insurance policy with add-on covers.

4 brilliant features that make buying Bharti AXA two-wheeler insurance super-easy online:

  • Instant policy:

Ready with the necessary details to be filled in? We’ll have your bike insurance policy delivered to your mailbox at the snap of a finger.

  • No paperwork:

The world is going digital! Why should we let you stay behind? No more fussing over paperwork. Easily manage your policies with us online. 

  • Variety of Add-on covers:

You choose the brand, make, colour of the two-wheeler. Then you can also choose the add-on covers that your bike requires. Why leave that decision to someone else?

  • User-friendly interface:

Shopping your policy with us online is going to be a wonderful experience for you. We’ve made the bike insurance purchase, renewal, and claim process effortless.

Inclusions Exclusions

Natural Disasters:

For naturally-occurring circumstances that are not in your hands, bike insurance covers it all. For: e.g. floods, earthquakes, cyclones, etc.

Manmade Disasters:

Losses caused Fire, terrorism, riot, strike, etc. are included. Don’t worry about the thieves in your neighbourhood as theft too is covered.

Accidents on Road:

People tend to jump traffic signals causing increase in road accidents. Though you may be a skilled rider, not everyone on the road is.

Personal Accident Cover for owner-driver:

If the owner-driver of the insured bike sustains injury or death, the insurer provides compensation.

Third-Party liability:

Losses/damages to properties or bodily injuries caused to third-party are covered if the accident occurs due to your bike.

Driving under intoxication:

Damages caused to the bike if you or anyone else was caught driving under the influence of drugs or alcohol at the time of accident.

Regular wear and tear:

After a period of time, the vehicle is bound to face regular wear and tear as well as losses to due depreciation of vehicle. They aren’t covered.

Malicious Activity:

Losses/Damages won’t be covered if you’re found riding your bike without a valid license, or if the bike’s driven by an underage person

Commercial Activity:

Driving your private vehicle for commercial purpose and vice versa doesn’t make any sense. Your claim is bound to be rejected.

Other reasons:

An expired policy, consequential damages, electrical and mechanical failure, staged accidents, and driving outside geographical limits are other reasons for claim rejection.

Two-Wheeler Insurance Add-On Covers

Add-on Covers

Different people have different requirements depending on how they use their vehicle. You don’t need to unnecessarily buy add-ons that don’t suit the needs of your two-wheeler.

With Bharti AXA two-wheeler insurance, you can customize your two-wheeler plan by choosing add-on covers that you think will be apt for you in the future.

  • Personal Accident Cover for Occupants

You may love zooming away on your two-wheeler. But bike accidents are dangerous to both the rider and the person sitting pillion. Since the risk of injuries/death is high for both, having a personal accident cover is essential. It insures against full or partial disability of the co-passenger as well.

  • Zero Depreciation cover:

The value of your vehicle is depreciated each year. At the time of claim settlement, your claim value is reduced due to depreciation on repair or replacement of plastic, rubber, and other glass materials that aren’t covered under regular insurance policy. Luckily, the zero dep add on does not factor in depreciation and hence you end up saving up a lot at the time of claim.

Buy Car Insurance by Manufacturer

At Bharti AXA, we offer insurance for bike models across various top manufacturers. You can choose the two-wheeler manufacturer that you want and look up for their details along with details about their bike models. Find out how Bharti AXA provides comprehensive bike insurance to your vehicle by the respective manufacturer.

Frequently Asked Questions

Have questions on anything and everything related to two-wheeler insurance? We’ve handpicked questions with answers that will help you understand the nitty-gritty of two-wheeler insurance. You’ll also get better clarity of our products and services. Go through it to find the solution to your query. If you need more information, you can always contact us here. Our executives will be glad to assist you.


  1. Can I pay two-wheeler insurance premium in installments?

As per section VB64 of Insurance Act, 1938 no risk can be resumed unless premium is received in advance. Hence, full vehicle insurance premium needs to be collected before the start of policy.

  1. Is my No Claim Bonus (NCB) transferable?

Yes, in case you are changing from any other insurance company to Bharti AXA GIC Ltd. and have accrued some NCB from them, you can get the same transferred in case your two-wheeler is insured within 90 days of your renewal due date.

  1. Can other accessories be insured?

Accessories can be insured under a two-wheeler insurance policy with an additional premium. In case these are factory fitted they are automatically insured under the policy however insured needs to insure them separately if those are installed later. Insured will have to pay additional premium to cover the accessories in two-wheeler insurance policy.

Frequently Asked Questions


Right from blogs, engaging infographics and exciting videos, there is so much that you can learn and know about bike insurance and an individual’s journey of buying a two-wheeler. Be it tricks to save on your two-wheeler insurance premium or how to make the most of add-ons, we cover it all.

Watch out for our regular updates at our knowledge centre section.

Policy Renewal Reminder

Policy Renewal Reminder we understand that it is not way to remember your policy renewal date and that is why we have this unique facility called policy renewal reminder for us. Just fill in your details and we will remind you when your policy renewal date is near. Fields marked * are mandatory.


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