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Your two-wheeler gives you the freedom to move, but with unpredictable roads, accidents, theft, and damage can happen anytime. Two-Wheeler Insurance ensures financial security against unexpected expenses, so you can enjoy your ride with peace of mind.

At FinArray, we offer instant policy issuance, seamless claim settlements, and expert guidance to help you find the best two-wheeler insurance at the most competitive prices!

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Why Do You Need Bike Insurance?

Legal Requirement

In India, having at least a third-party liability cover is mandatory to legally ride on the roads. Failure to comply can lead to fines or even license suspension.

Financial Security

Bike insurance protects you from the financial burden of repairing damages to your vehicle or another party’s, especially in accidents.

Protection Against Theft

If your bike is stolen, comprehensive coverage can compensate you for the loss, mitigating out-of-pocket expenses.

Personal Accident Cover

Most bike insurance policies include personal accident coverage, providing financial support for medical treatment in case of injuries sustained due to an accident.

Third-Party Liability

If your bike is involved in an accident causing damage or injury to someone else, third-party liability coverage pays for their expenses or legal claims, reducing your financial risk.

Types of Two-Wheeler Insurance We Offer:

Types of Two Wheeler Insurance
There are 3 types of bike insurance policy in India and InsuranceDekho offers all of them.

Comprehensive Bike Insurance

The Comprehensive bike insurance policy is a combination of both Standalone and Third-party car insurance. It is the most recommended policy as it protects you from the financial risks of causing damage or injury to a third person or property and covers the damages sustained by your bike as well.

Third Party Bike Insurance

This insurance policy is mandatory for all motor vehicles. The Indian law makes it compulsory for people to purchase third-party bike insurance policies for their bikes. This policy covers the legal obligation to compensate for damages or injuries caused to a third person or property due to an accident by your bike.

Own-Damage Bike Insurance

The standalone own-damage policy covers the damages incurred by your vehicle. This policy safeguards your two-wheeler financially as it covers the cost of repair. If your bike gets damaged due to an accident, vandalism, or natural calamities such as earthquakes, floods, and riots, you can file a claim and the insurer will pay for the repair of your bike.

Why choose finArray for Two Wheeler Insurance?

Compare & Choose the Best Plans : Get top-rated policies at competitive rates.
Instant Policy Issuance : Buy your policy online in minutes.
Hassle-Free Claims : Quick and easy claim settlements with expert guidance.
Mini Office Support : Quick and easy claim settlements with expert guidance.
100% Digital & Secure : A seamless, stress-free experience.

Two Wheeler Insurance Add-ons

Add-ons bring extra protection to your policy. Each add-on comes with a price and hence increases the premium. Here is a list of the most popular add-ons that are favoured to go with Bike insurance plans.

Zero Depreciation Cover Bike Insurance

With this add-on, the policyholder does not have to pay for the depreciated value of parts while filing a claim as the insurer covers that cost as well. This add-on is most suitable for new bike owners

Return To Invoice Cover Bike Insurance

The Return to Invoice is a very exciting add-on as in case of theft or damage beyond repair, the insurer provides the invoice value of the bike including road tax and RTO registration.

NCB Protection Cover Bike Insurance

This add-on allows you to file a claim that does not exhaust your NCB. This means your NCB bonus will continue on renewal unaffected by the claim you made during the policy.

Engine Protection Cover Bike Insurance

The Engine Protection add-on covers the risk of water damage in the engine. Engine repair is usually very expensive and hence this add-on is a must-have for people living near flood-prone areas.

Roadside Assistance

This is a very essential service that must be in your policy. Roadside assistance cover provides a 24/7 helpline that sends immediate help to your location in case of an emergency. This emergency can be an accident, a flat tyre, an empty fuel tank, etc.

Consumables Cover Bike Insurance

When your bike is getting repaired at the garage, the mechanic uses screws, nuts, oil, etc for which the policyholder is charged. With this cover, you will not have to worry about these expenses as they will be covered under this cover.

Key Replacement Cover

This cover covers the cost of replacing the keys and lock system if the keys are stolen or lost. This cover is suitable for bikes with advanced lock systems as it can be expensive to replace.

Personal Accident Cover for Pillion Rider

This add-on should be a priority for people who do not ride alone. This add-on covers the medical expenses in case of injuries and provides compensation in case of disabilities or death of a pillion rider.

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