OR
Looking to insure your new bike?
Save big with your zero commission insurance
Two Wheeler Insurance
Get your bike insured in a simple and hassle-free way
Bike insurance starting at ₹499*
Bike insurance starting at ₹499*
OR
Looking to insure your new bike?
Save big with your zero commission insurance
Bike insurance or a two wheeler insurance policy is a contract between the bike owner and the insurance provider. Here the insurance company provides financial coverage for damage/loss to the bike owner in exchange for a premium
You can buy your bike/two wheeler insurance policy through both online and offline methods. With the online method, you can buy, renew the policy or raise a claim in a few clicks from anywhere and at anytime
The number of two-wheelers in India has grown rapidly in recent years. In the financial year 2021, two-wheeler sales in India were at 15.12 million units. With the high density of two-wheelers on the road, the possibility of accidents also increases. Maybe that is why Third-party Two-wheeler Insurance is mandatory by law. It covers you against damages to a third party two-wheeler/property or injury to the third party
ACKO provides three types of two-wheeler insurance plans. The extensive Comprehensive Insurance, the standalone Third-party Insurance and the Own Damage Two-wheeler Insurance policies. The best part is that you can buy these three bike insurance plans online with zero paperwork.
Low-cost 2 wheeler insurance plans with exciting discounts - Buy online on ACKO
Two-wheeler insurance, commonly called bike insurance, protects your two wheeler from financial losses against accidental damages or theft.
Good bike insurance covers losses due to accidents, natural disaster, fire, theft, or riot. It also protects against injuries/damages caused to someone else or their property.
On ACKO, you can buy insurance for your two wheeler completely online in just a few minutes. No inspection or paperwork needed - even if your previous insurance has expired
Our bike insurance plans cover different types of two wheelers such as motorcycles, mopeds, scooters, and more.
Third party Bike Insurance is mandatory in India. It protects you against financial liability if you accidentally damage someone else's vehicle or property or injure someone in an accident. However, it doesn't offer financial protection against damages or losses to your bike.
A Comprehensive Bike Insurance covers everything that Third-party insurance covers, and also covers losses or damages to your two-wheeler in case of an accident, theft, fire, natural calamities (floods, earthquakes), riots, or strikes.
It is an additional cover to enhance your bike insurance plan. It is mandatory by law to own a PA Cover in India. While your 2 wheeler insurance policy covers damages to your bike, the PA Cover provides financial protection in the event of disability/death while riding a two-wheeler
| Key features | ACKO ADVANTAGES |
|---|---|
| Premium | Bike insurance plans starting at Rs. 499* |
| Own Damage Cover | Available under Comprehensive Bike Insurance plan |
| Damages to the third party | Covered |
| No Claim Bonus | Up to 50% Discount |
| Personal Accident Cover | Available. Cover up to Rs. 15 lacs for permanent disability/death while riding |
| Claim Settlement Ratio (CSR) | 95.45% for FY21-22 |
| Claims settlement process | Quick, paperless, cashless, and stress-free. Instant claim settlements for minor damages (Within 2 hours) |
| Buying/renewal process | Instant, 100% digitally-driven and super-easy |
Affordable premiums, instant policy issuance with no inspection or paperwork, and easy claim settlement make ACKO the perfect place to buy bike insurance online.
Since we adopt the direct-to-consumer model, our customers have to pay a lower premium.
With 100% digital transactions, buying/renewing your bike insurance online is a super-fast and hassle-free experience.
Log in to www.acko.com or the mobile app and select “claim now” to register your claim. Our experts will do the rest for you!
Get personalised discounts during special occasions/festivals and save more money.
With our multi-year bike insurance plans, enjoy additional saving
With ACKO, you can buy, renew, track and raise bike insurance claims in one place
While we aim to give you optimum coverage, ACKO's Comprehensive bike insurance policy has the following exclusions.
Breakdown caused due to electrical or mechanical issue.
Accidental damages under the influence of alcohol/intoxicating drugs.
Accidental damages during war or similar conditions.
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Any claims against an incident when your insurance policy was not active
Cost of repair/replacement of parts that are damaged due to regular wear and tear and not related to any incident.
Claims related to tyre or tube punctures (You get 50% of repair/replacement cost if your bike is damaged at the same time).
Any claims if you were driving without a valid licence or do not own a vehicle or using a vehicle for an illegal purpose
Claims related to damages caused outside the geographical boundaries of the country.
Personal Accident Cover (mandatory by law) to safeguard yourself from permanent disability/death while riding.
While the offline or traditional method continues to exist, the online mode offers a faster, quicker, and efficient process when it comes to buying and renewing policies or while raising a claim. Here are the benefits of buying two-wheeler insurance online.
The online insurance platform offers you the option of selecting a suitable policy. You can compare various policies and get to know the merits and demerits of the plan
The online method does not involve any agents. Hence, the benefit of low-costs is passed on to the customer in the form of lower premiums compared to offline policies
Avail support from insurance experts who can help you throughout the process of buying and renewing policies or while registering a claim.
Skip the tedious paperwork! Share a few details, select the policy, pay premium and receive the policy in your inbox instantly
With online two wheeler insurance, you can transact online anywhere and anytime, which helps you save time and efforts.
With online 2 wheeler insurance, you can not just buy bike insurance in a jiffy, but also manage and raise claims anytime and anywhere.
Select details such as your two-wheeler (e.g. TVS Jupiter), purchase year (e.g. 2020), and existing policy (e.g. expired).
Click to view the prices of different plans for your bike that suits your requirement.
Once you select the plan, make the payment online, and receive the policy instantly into your inbox