Check own-damage cover
Third-party cover does not pay for damage to your own bike.
Insurance
Bike Insurance
Protect your bike or scooter with the required third-party cover and optional own-damage cover.
Before you start
Bike Insurance Eligibility and Document Guide
Check the basic rules and keep the required records ready before starting this service.
Important before you apply
Key points to consider for Bike Insurance
Check these points carefully before choosing an option or starting your application.
Choose useful add-ons
Consider zero depreciation or roadside help based on bike age and use.
Renew on time
A break in cover can affect inspection, protection, and no-claim benefits.
8 eligibility points
Eligibility Criteria
See the basic conditions normally checked before you can apply.
Eligibility / Criteria
- Registered two-wheeler or eligible new two-wheeler.
- Owner/proposer has insurable interest.
- correct private/commercial usage declaration.
- third-party insurance is legally required for use on public roads; own-damage/comprehensive coverage is optional/additional subject to insurer.
- valid RC and vehicle details.
- previous insurance/NCB for renewal.
- break-in/expired own-damage policy may require inspection.
- premium depends on engine capacity, IDV, age, city, claims, NCB, coverage and add-ons.
31 document points
Document Requirements
Check which clear and valid documents you should keep ready.
Purchase Documents / Data
- RC.
- valid driving licence details where insurer asks.
- identity proof.
- address proof.
- PAN/Aadhaar/other KYC as required.
- recent photograph where insurer KYC process requires.
- previous policy for renewal.
- NCB declaration/details.
- vehicle make/model/variant/chassis/engine.
- financier details if hypothecated.
Claim Documents
Accident
- policy proof.
- RC.
- driving licence.
- FIR for third-party death/injury or where required.
- damage estimate.
- repair bills/payment receipts.
Theft
- policy.
- RC/tax documents as required.
- original keys/service booklet where required.
- FIR.
- police final/non-trace report.
- RTO theft/non-use intimation.
- financier NOC if applicable.
Fire
- policy.
- RC.
- driving licence.
- photos/videos.
- FIR/fire brigade report where applicable.
Buy bike insurance in three steps
Follow these three simple steps.
- 1Check the coverReview what bike insurance covers, does not cover, and when the cover starts.
- 2Share correct detailsEnter the requested personal, health, vehicle, home, or risk information correctly.
- 3Buy and keep the policyPay only after checking the policy terms and keep the issued policy safely.
More insurance services
Open another service to read its own eligibility and document guide.
Reference Basis
These public sources were checked for this guide. Rules can change, so open the source for the latest official information.