If you own a two-wheeler, whether it is a daily commuting scooter, a stylish motorcycle, or a premium superbike, protecting it with the right insurance plan is essential. With road traffic increasing and repair costs rising every year, choosing the best bike insurance plan in 2025 can save you from heavy financial losses.
This comprehensive guide explains the top bike insurance plans, coverage options, key benefits, premium factors, and tips to choose the ideal policy. By the end, you will have complete clarity on which insurance suits your riding style, budget, and protection needs.
What Is Bike Insurance?
Bike insurance is a financial protection policy for two-wheelers. It covers damages, losses, and liabilities arising from accidents, theft, natural disasters, and third-party claims.
In India, third-party bike insurance is legally mandatory under the Motor Vehicles Act. However, for complete protection, most riders prefer comprehensive bike insurance, which offers wider coverage.
Types of Bike Insurance Plans in 2025
1. Third-Party Bike Insurance
This is the basic legally required insurance.
Covers:
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Injury or death of a third party
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Third-party property damage
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Legal liabilities
Does NOT cover:
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Damage to your own bike
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Theft
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Fire
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Personal accidental injuries (unless add-on purchased)
Ideal for: Older bikes or riders looking only for legal compliance.
2. Comprehensive Bike Insurance
This offers full protection, covering both your own bike and third-party liabilities.
Covers:
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Third-party liabilities
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Damages to your bike due to accident
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Theft
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Fire
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Vandalism
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Natural disasters (floods, cyclones, earthquakes)
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Man-made disasters (riots, strikes)
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Personal Accident (PA) cover for the owner-rider
Ideal for: New bikes, expensive bikes, or riders who want peace of mind.
3. Standalone Own-Damage (OD) Insurance
Introduced by IRDAI, this policy covers only the damage to your bike.
Covers:
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Accidental damage
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Theft
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Fire
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Disaster-related damages
You must pair this with a third-party policy.
Ideal for: Riders wanting customizable protection.
4. Long-Term Two-Wheeler Insurance
These policies offer 3–5 years of continuous coverage and are popular for new bikes.
Benefits:
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No yearly renewal
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Lower premiums
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Protection from annual price hikes
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Convenience and peace of mind
Best Bike Insurance Coverage & Add-Ons in 2025
Add-ons enhance your base policy and offer extra protection. Here are the most useful options:
1. Zero Depreciation Cover
Ensures you get the full claim amount without depreciation deduction.
Ideal for: New bikes and expensive models.
2. Engine Protection Cover
Covers engine damages due to water ingress, oil leakage, or lubrication issues.
Ideal for: Riders in flood-prone or monsoon-heavy cities.
3. Roadside Assistance (RSA)
Includes towing, battery jumpstart, emergency fuel, flat tyre assistance.
Ideal for: Long-distance riders.
4. Consumables Cover
Covers costs of nuts, bolts, oil, grease, and other consumable items during repairs.
5. Return to Invoice (RTI) Cover
If your bike is stolen or declared a total loss, you get the full invoice value.
Ideal for: Newly purchased bikes.
6. Personal Accident Cover for Pillion
Provides coverage for pillion riders during accidents.
7. NCB Protection Cover
Keeps your No Claim Bonus intact even after filing one or two claims in a year.
Best Bike Insurance Plans in 2025 (General Market Overview)
While plans differ across insurers, here are the features commonly offered by leading insurance companies:
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Comprehensive protection for all types of two-wheelers
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Digital policy issuance within minutes
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Cashless repairs at thousands of network garages
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Hassle-free claim settlement with fast TAT
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Customizable add-ons for enhanced protection
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Affordable premiums with long-term discounts
Always compare:
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IDV (Insured Declared Value)
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Premium amount
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Add-on suitability
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Claim settlement ratio
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Garage network size
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Customer support quality
How Is the Bike Insurance Premium Calculated?
Premiums in 2025 depend on several factors:
1. Bike’s IDV (Insured Declared Value)
Higher IDV = higher premium, but better coverage.
2. Type of Coverage
Comprehensive plans cost more than third-party plans.
3. Bike’s Make, Model & Age
Newer and premium bikes have higher repair costs.
4. Cubic Capacity (CC)
Higher CC = higher risk = higher premium.
5. Location
Metro cities usually have higher premiums due to increased traffic and accident risks.
6. Add-Ons
Each add-on increases the overall premium.
7. Rider’s History
Claim-free years earn No Claim Bonus (NCB) up to 50%.
How to Choose the Best Bike Insurance Plan in 2025
Here are expert tips to help you select the right policy:
1. Assess Your Riding Needs
Daily commuting? Occasional rides? Long-distance touring?
Choose coverage accordingly.
2. Compare IDV Offered
Do not choose low IDV to reduce premium—it reduces claim amount during loss.
3. Choose Essential Add-Ons
Zero depreciation and engine protection are must-have for new bikes.
4. Check Claim Settlement Ratio
Go for insurers with a high and consistent CSR.
5. Look for Cashless Network Garages
More garages mean smoother repairs.
6. Consider Long-Term Policies
They save money and remove yearly renewal stress.
7. Read Policy Inclusions & Exclusions
Many riders skip this and face surprises during claims.
Bike Insurance Claim Process in 2025
Step 1: Notify the Insurer
Report the incident immediately via call or mobile app.
Step 2: Document the Damage
Take photos/videos of the damages or accident spot.
Step 3: File an FIR (If required)
Needed in cases of theft, third-party injury, or major accidents.
Step 4: Get the Vehicle Inspected
The insurer appoints a surveyor to assess the damage.
Step 5: Repair at a Network Garage
For cashless claims, choose insurer-approved garages.
Step 6: Claim Settlement
After documentation, the insurer settles the bill directly with the garage.
For reimbursement claims, submit bills and receipts to get repayment.
Frequently Asked Questions
1. Is bike insurance mandatory in India?
Yes. Third-party bike insurance is legally mandatory for all bikes and scooters.
2. Which type of insurance is best for my two-wheeler?
A comprehensive policy with essential add-ons offers the best protection.
3. What is IDV in bike insurance?
IDV is the market value of your bike. It decides the maximum claim amount.
4. Can I transfer my NCB to a new two-wheeler?
Yes, NCB can be transferred when you buy a new bike.
5. Does insurance cover engine damage?
Only if you have the engine protection add-on.
6. What if my bike is stolen?
With comprehensive insurance, you receive compensation based on your IDV.
Conclusion
Choosing the best bike insurance plan in 2025 is easier when you understand the coverage, add-ons, premiums, and claim process. A comprehensive bike insurance policy not only protects you from financial losses but also gives you confidence on the road.
Make sure to compare multiple plans, choose the right add-ons, and go for an insurer with a strong claim settlement record. With the right policy, you can ride worry-free and enjoy complete protection for your two-wheeler.
