Bike Insurance
Two-wheeler insurance from ₹538*, comprehensive protection, 7,200+ cashless garages and on-the-spot claim settlement
- EV Two-Wheeler Insurance
- Own Damage Cover
- Premium from ₹538*
- 7,200+ Cashless Garages
- 24×7 Spot Assistance
- Long-term 2/3/5-year plans
- Free Consultation
- No Obligation
- IRDAI Authorised Advisor
- Instant Quote
About this plan
Bike insurance from Bajaj General Insurance safeguards your two-wheeler against accidents, theft, fire and natural or man-made calamities, and also covers your legal liability towards third parties. Choose between mandatory Third-Party Liability, Standalone Own-Damage, a full Comprehensive (Package) policy, or Comprehensive with Add-ons, and top it up with covers like Zero Depreciation, Engine Protector, 24×7 Roadside Assistance, Return to Invoice, Consumables, Tyre Safeguard and more.
Key benefits
Why customers in Hyderabad choose this plan.
Comprehensive Protection
Covers accidents, theft, fire, floods, cyclones, earthquakes, riots, vandalism and third-party liability in one policy.
7,200+ Cashless Garages
Nationwide network of authorised garages for hassle-free, zero-payment repairs.
On-the-Spot Claim Settlement
Register and settle eligible bike claims within minutes via the Bajaj General app, right from the accident spot.
Affordable & Instant
Third-party premiums starting at ₹538* and instant digital policy issuance, no paperwork, no waiting.
Types of Bike Insurance plans
Pick the structure that matches your usage, budget and legal requirements.
Third-Party Liability Only
Mandatory cover under the Motor Vehicles Act, 1988, covers legal liability for injury, death and property damage caused to third parties by your bike. Policy period: 1, 2 or 3 years.
Best for: Older bikes and budget-conscious riders meeting the legal minimum.
Standalone Own-Damage
Covers only damages to your own bike from accidents, fire, theft and natural/man-made calamities. Requires an active third-party policy. Policy period: 1 year.
Best for: Riders with a multi-year TP policy from purchase who now want own-damage cover.
Comprehensive (Package)
Full cover combining Third-Party Liability and Own-Damage. Policy period: 1, 2, 3 or 5 years.
Best for: New bikes, daily riders and anyone wanting all-round protection.
Comprehensive with Add-ons
Comprehensive policy enhanced with 25+ add-ons like Zero Depreciation, Engine Protector, RSA, RTI and more. Policy period: 1, 2, 3 or 5 years.
Best for: Premium & new bikes where owners want maximum protection and full claim payout.
Electric Two-Wheeler Insurance
Purpose-built cover for electric scooters and motorcycles, covers the lithium-ion battery, electric motor, controller, charger and wiring against accidental damage, fire, theft and water ingress.
Best for: Owners of electric scooters and bikes (Ola, Ather, TVS iQube, Bajaj Chetak, etc.).
Optional add-on covers
Enhance your comprehensive policy with add-ons that plug the gaps in a standard cover. Availability depends on vehicle age and policy variant.
Zero Depreciation Cover
No depreciation deduction on plastic, rubber, fibre or metal parts, you get the full claim amount in your hands.
Engine Protector
Covers financial losses due to engine and gearbox damage from water ingress, oil leakage and hydrostatic loss.
24×7 Roadside Assistance
Emergency help for flat tyres, dead battery, towing, fuel delivery and minor on-spot repairs, anytime, anywhere.
Consumable Expenses
Reimburses cost of engine oil, grease, lubricants, oil filter, brake oil and other consumables used during repair.
No Claim Bonus (NCB) Protector
Preserves your NCB discount even if you make a claim during the policy year.
Return to Invoice (RTI)
In case of theft or total loss, pays the original invoice value of the bike instead of the depreciated IDV.
Tyre Safeguard
Covers replacement expenses of tyres and tubes damaged in an accident.
Conveyance Benefit
Daily cab allowance while your bike is at the garage for insured repairs.
Lock & Key Replacement
Covers the cost of replacing lost or stolen bike keys and reprogramming locks, without impacting your NCB.
No Claim Bonus (NCB)
A discount you earn on your Own-Damage premium for every consecutive claim-free year. NCB belongs to you, it transfers across insurers when you renew.
Tip: for small dents avoid claiming, and you'll usually save more on next year's premium than the repair costs.
| Claim-free renewal | NCB discount |
|---|---|
| After 1 claim-free year | 20% |
| After 2 consecutive claim-free years | 25% |
| After 3 consecutive claim-free years | 35% |
| After 4 consecutive claim-free years | 45% |
| After 5 consecutive claim-free years | 50% |
Key features
- Third-party liability, bodily injury & death (unlimited cover as per court order)
- Third-party property damage cover up to ₹1 Lakh
- Own-damage cover for accidents, fire, theft and calamities
- Personal Accident cover for owner-driver, sum insured up to ₹15 Lakh
- In-transit damage cover
- Long-term policies, 2, 3 or 5 years for comprehensive plans
- 25+ optional add-ons on Comprehensive policies
- Battery & motor cover for electric two-wheelers
- Charger and wiring protection
- Cashless repairs at EV-authorised service centres
What's covered
- Accidental damage to your two-wheeler
- Theft of the vehicle (based on IDV)
- Natural disasters, floods, cyclones, earthquakes
- Man-made events, riots, strikes, vandalism, terrorism
- Third-party bodily injury, death and property damage (up to ₹1 Lakh)
- In-transit damage while the bike is being transported
- Compulsory Personal Accident cover for owner-driver
Common exclusions
- Intentional damage to the vehicle
- Normal wear, tear and depreciation
- Riding without a valid licence or under the influence of alcohol/drugs
- Damage outside the geographical limits of India
- War, nuclear risks and racing/speed tests
- Overloading beyond the permitted passenger/weight limit
- Unauthorised electrical or structural modifications
Frequently asked questions
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