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Types Of Two Wheeler Insurance

In the world, most of the people use two-wheeler. People without two-wheeler are hard to see. With such a high usage of two-wheelers as the negative side, there are also a number of accidents that occur every day. Apart from that is also certain issues like bike robbery, getting into some natural made and natural disasters are also happening. These are unfortunate issues and hard to avoid them. But as the safety measure, you can insure them. It is very much necessary to insure them to legally use two in the Indian public roads. When it comes to insurance there are two types of two wheeler insurance where you can choose them on your conveniences.

When you are buying a bike you will need of the insurance, it is better of have certain research with us,, an online site that helps you to compare various aspects regarding insurance and to choose the best bike insurance online.

  • Comprehensive two wheeler insurance policy
  • Third party two wheeler insurance policy

Comprehensive Two Wheeler Insurance Policy

Comprehensive insurance is the type of bike insurance policy that covers and helps you during any accidents, stolen or when your vehicle stuck in any disasters. Your Comprehensive two wheeler insurance helps you with the fund to repair your vehicle and also to your medical expenses during the accidents.

Based on the features you can compare bike insurance and choose the best one. When you refer it helps you to easily compare the insurances and also you can choose the best among them.

Features of Comprehensive Two Wheeler Insurance Policy

The Comprehensive two wheeler insurance policy is one of the beneficial tow wheeler insurance policies that come with the number of features like:

Personal Accident Cover

When you have such insurance, you can claim up to 1 lakh rupees for the medical expenses that you required during the time of accidents. The fund that is allotted to you will be based on the disability that you have due to the accident like total or partial to permanent disorder.

The insurance offers protection for a cost that was incurred due to the damages

The Comprehensive bike insurance policy will offer the policyholder with certain financial support in order to meet the repair like wear and tear that occurred in the two-wheeler. No matter how the damage happens, it may be a natural reason or man-made calamities or any accidents the policyholder can get the fund to repair the fund to bring back the two-wheeler to the original form.

Coverage Against The Third Party Liability

In case you have met with an accident and their people opposite ton you have a bodily injury or death or any damage to their vehicle the insurance will also help them with the coverage. But the coverage has certain limits and they will be covered according to certain rules and the time of the insurance taken.

Coverage Provided for Bodily Injuries or for The Death

The policy will have the coverage for the bodily injury of the rider, pillion and also for the death of the policyholder.

There are also features that may vary based on the company and the norms that they have. Certain norms can be suitable for certain people and not for others, to choose the best insurance policy it is necessary to compare two wheeler insurance from the different companies and choose the best out of them. To do so, we can help you with, an online site that helps you to know the various factors of two-wheeler insurance online.

Third Party Two Wheeler Insurance Policy

Third party insurance is the type of insurance that proves the basic responsibility that one should have to use a two-wheeler in the public roads. This is the kind of insurance that basically cover the insurance for the third person. That is when your vehicle meets with an accident if the opposite person got injured and when you need to pay for them you can make use of the insurance. The policy also allows you to have coverage for a certain limit when you tend to have injuries.

Features of the Third-Party Bike Insurance Coverage

The features help you to compare and have the cheapest two wheeler insurance with various features and add-ons. Here are certain features of it.

Bodily Injury or Death Occurred to the Third Party

During the accident when it is proved that the accident is because of your vehicle and the third party in the accident has a bodily injury, physical disabilities they can claim for the medical costs from your third-party insurance to face the medical bills. In case of death, compensation will be given to them. You can also acquire certain compensation for the physical disabilities that occurred to you during an accident.

Damage of the Property

The third party insurance covers the damage that was caused by the third party because of your vehicle in the accident. IRDAI norms state that the damage can be covered even up to Rs 1 lakh.

Coverage for the Permanent Total Disability

In case drive the two-wheeler that is insured or if you are the owner of the vehicle and when you suffer from a permanent total disability, you can acquire the coverage. In case of death, loss in the eyesight of both the eyes, loss of both the limbs and other permanent total disability, 100% of the sum of insured money will be paid and in case of loss of one limb or sight in one eye, you may get 50% of the insured amount.

Death of the Driver or the Owner

In case of death, you can claim for the immediate loss in income. The person cannot be replaced, but the compensation can be a financial help to the family.

There are also certain other feature and add-ons based on the company, you can compare two wheeler insurance and choose the best one based on your needs.

Comparison Between the Bike Insurance Policies

Both the bike insurance policies have the best features, based on the situations they seem to be effective here is a comparison that helps you to choose the best and cheapest two wheeler insurance.

  • Damage to the vehicle that is insured: when the damage lies in particular limit and if it is possible to bring back to its original for you can claim and it is possible only in the comprehensive type of insurance.
  • Injuries to the driver: when there is an injury for the driver you can claim for certain coverage. This is possible only from the comprehensive type of insurance.
  • Third party liability:in the accident if the damage is the third party as the bodily injury or to the property and if it is approved that the reason is you, you have the coverage up to certain limit only when you have third-party coverage.

Having bike insurance is not the expense; it is actually the saving that you may in the future. So be very particular, compare bike insurance, and choose the best policy and the premium. Make sure you pay the premium periodically and also renewal them appropriately in order to efficiently use the two-wheeler insurance policy.


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