Comprehensive bike insurance from ₹538/year. We compare 15+ insurers, explain every add-on, and get your policy issued in minutes — not days.
Arjun never called Cover Credit when his bike crashed. He didn't need to. His Cover Credit agent had already told him exactly what to do — months before the accident happened.
We explain each plan clearly — no jargon — and compare the best insurers for your exact bike, age, and city.
Third-party is the legal minimum — but it protects others, not your bike. If you have an accident, your repair costs are 100% out-of-pocket with only third-party cover. For any bike under 7 years old, comprehensive cover costs just ₹1,200–₹2,500 more per year and covers your own bike entirely. It is almost always worth it.
Standard comprehensive insurance deducts depreciation on plastic, rubber, and metal parts during claim settlement — meaning you pay a portion out of pocket. Zero-dep means the insurer pays 100% of part replacement costs with no deductions. For bikes under 5 years, it costs only ₹300–₹600 extra and is strongly recommended.
Every year without a claim earns you a No Claim Bonus — 20% discount in Year 1, up to 50% by Year 5. Making a small claim (say ₹4,000) can cost you ₹8,000–₹12,000 in future premiums. We help you decide whether paying out-of-pocket is smarter than filing. We also offer NCB protection add-ons that preserve your discount even after one claim.
Yes. A lapsed policy (expired over 90 days) requires a fresh vehicle inspection before the new insurer issues cover. You also lose your accumulated NCB. Contact us immediately — we arrange the inspection, find the best insurer for a lapsed policy, and get you covered quickly. Riding without any insurance is a traffic offense carrying a ₹2,000 fine.
The mandatory Personal Accident cover of ₹15 lakh covers only the owner-driver. Pillion passengers are not covered by default. You can add a paid-driver or unnamed passenger PA cover as an add-on — typically ₹100–₹200 extra per year. If you regularly carry a passenger, we recommend adding this cover.
2 minutes. 15+ insurers compared. Policy on WhatsApp same day. Never worry about being uncovered again.