Key highlights
Comprehensive Coverage
Provides protection against accidental damage, theft, fire, and natural calamities, ensuring that your two-wheeler is safeguarded from a wide array of risks.
Third Party Liability
Covers legal liabilities arising from injuries or property damage caused to others in an accident, protecting you from substantial financial losses due to third-party claims.
Personal Accident Cover
Offers financial compensation in case of injuries or fatalities while riding, helping cover medical expenses and offering financial support during recovery.
Add-On Benefits
Enhances the basic policy with options like zero depreciation, engine protection, and roadside assistance for improved claim settlements and additional safety.
Quick Claim Process
Streamlined claims processing ensures prompt service, minimizing downtime and reducing inconvenience during stressful situations.
Affordable Premiums
Competitive pricing without compromising coverage, making quality insurance accessible for a wide range of two-wheeler owners.
Exclusion
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Wear and Tear
Regular maintenance issues and gradual deterioration are not covered, as insurance is meant for sudden and unforeseen damages.
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Custom Modifications
Unauthorized alterations or customizations to the vehicle are excluded since they can significantly change its risk profile.
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Racing and Competitions
Any damage sustained during racing events or competitive driving is not covered under standard policies.
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Non-Compliant Use
Usage of the vehicle for commercial purposes when insured as a personal vehicle may lead to exclusions in coverage.
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Unauthorized Repairs
Claims may be denied if repairs are carried out by service centers that are not approved by the insurer.
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Intentional Damage
Any damage resulting from deliberate actions, negligence, or misuse of the vehicle is not covered by the policy.
Types Of Two - Wheeler Insurance
Third Party Liability Insurance
Legally mandated coverage that protects you from liabilities in case of accidents where you are at fault.
Comprehensive Insurance
Combines third-party liability with own damage coverage, protecting against a broader range of risks including accidents, theft, and fire.
Standalone Add-On Policies
Supplementary options such as zero depreciation, engine protection, and enhanced personal accident cover that can be purchased in addition to the base policy.
Voluntary Zero Depreciation Coverage
Ensures full claim settlements without depreciation deductions on replaced parts, providing greater financial relief in case of an accident.
Engine Protect Add-On
Specifically covers repairs or replacements related to engine damage, which may not be included in the standard comprehensive policy.
Enhanced Personal Accident Cover
Offers increased compensation limits over the basic cover, ensuring a stronger safety net for serious injuries or fatalities.
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Why Is It Essential?
Two Wheeler Insurance is mandatory by law, helping you avoid fines and legal penalties while ensuring that you are compliant with regulations.
In case of an accident or theft, insurance minimizes the financial burden by covering repair or replacement costs, thus protecting your savings.
Provides a safety net against third-party claims, safeguarding you from potentially significant out-of-pocket expenses following an accident.
With robust coverage in place, you can ride with confidence knowing that you are protected against unforeseen events and emergencies.
A well-structured insurance policy facilitates swift claim settlements, ensuring timely repairs and minimal disruption to your daily routine.
With the availability of various add-ons and comprehensive options, you get an all-encompassing support system that covers every aspect of your two-wheeler usage, making it a critical part of your overall financial planning.
