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.
Last reviewed: June 2026 — Cover Credit Advisory Team
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.
Yes. The September 2025 GST reform exempted only individual life and health insurance — two-wheeler insurance is general/motor insurance and continues to attract 18% GST, unchanged.
Yes — per IRDAI rules, every brand-new two-wheeler must be issued a 5-year third-party liability policy at the time of purchase, paid upfront. The Own Damage portion can be bought separately on a 1-year basis and renewed annually, giving you flexibility to switch insurers for OD cover while the long-term TP stays in force.
There is no upper limit on compensation for death or bodily injury caused to a third party — it is effectively unlimited under the Motor Vehicles Act framework. Compensation for damage to third-party property is capped under current IRDAI norms. This is exactly why riding without valid insurance is such a serious financial risk, not just a fine.
It covers damage to internal engine and gearbox parts from water ingress (common during the monsoon in Hyderabad and coastal areas like Visakhapatnam) or lubricant leakage — damage that standard comprehensive and even Zero Depreciation cover exclude. It's an inexpensive add-on relative to the cost of an engine rebuild.
The policy itself must be transferred to the new owner's name within 14 days of sale, or claims on it become invalid. Your accumulated No Claim Bonus, however, stays with you (the seller) and can be carried forward to a new vehicle you buy — it is not tied to the bike. We handle both transfers for our customers.
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