Buy two-wheeler insurance online

Protection from damage to both your own and third-party vehicles is offered by a comprehensive plan. In addition to accidents, it also covers theft and damage to the vehicle caused by any type of natural disaster, such as floods or storms, as well as human-made events, such as rioting and vandalism. The law mandates the purchase of third-party insurance, although experts advise bike owners to choose a complete policy for greater coverage.

Zero Depreciation Cover is an addition to your current policy. Over time, the bike loses some of its value because of depreciation. A brand-new bike loses 5–10% of its value the instant it leaves the showroom because the next buyer will be purchasing a used bike.Now, even if you choose comprehensive insurance coverage, the claim money you receive after an accident will be based on the depreciated value of the bike’s parts. For example, if your bumper and plastic parts worth ₹20,000 are damaged, the insurer may only pay ₹12,000 after deducting depreciation, and you’ll have to pay the rest yourself.However, if you have Zero Depreciation Cover, the insurer will cover the entire ₹20,000 repair cost, without deducting depreciation.

You receive round-the-clock help to minimize any technical or mechanical breakdown problems if you choose Emergency Assistance Cover. This extra advantage includes on-site basic repairs, flat tires, battery jump starts, tank filling, lost key help, duplicate key issues, and even towing fees up to 100 kilometers from your registered home. In some situations, if the policyholder needs somewhere to stay while the bike is being repaired, the insurer will additionally cover the costs of lodging.

Visit the insurance company's official website. Enter your policy number and any other necessary information after choosing the appropriate policy type from the list of insurance policies. Download and print the policy paper once you have it. Get in touch with your insurance company if you can't discover the policy number. The Digilocker or mParivahan mobile app-stored digital copies of documents, including a driver's licence and a bike's registration, insurance, and more, are accepted legally, according to the Ministry of Road Transport and Highways. Original documents are no longer required, only photocopies.

To buy bike insurance online, you only need a few basic documents. Keep your Bike Registration Certificate (RC) handy for vehicle details, your previous policy number if you’re renewing, and basic KYC documents like Aadhaar or PAN for ID verification. That’s it—no bulky paperwork required, and you can complete the process in just a few minutes.

Further, in the list of partners only 4 insurers are mentioned, of which Magma HDI and Future Generali are not live for D2C.
D2C insurers are:

1. ICICI Lombard
2. Digit
3. Acko
4. Tata AIG
5. Bajaj Allianz
6. National Insurance
7. HDFC ERGO
8. Royal Sundaram