Bike Insurance: Safe Riding, Simple Cover
Third-party and comprehensive insurance for bikes and scooters. Quick help for new policies and renewals.
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- Help with renewals and claims
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Overview
About bike insurance
A bike or scooter is a daily need for many families. Two-wheeler insurance protects you from big bills after an accident, theft or damage, and it protects you when you hurt someone else by mistake.
Like all vehicles, a bike must have at least third-party insurance. A comprehensive plan adds cover for your own bike. We help you choose, renew and claim without confusion.
What is covered
- Damage to your bike from accident, fire or theft
- Natural calamities like flood and earthquake
- Third-party injury, death and property damage
- Personal accident cover for the owner-rider
- Add-ons like zero depreciation, roadside help and consumables (terms vary)
What is not covered
- Wear and tear and mechanical breakdown
- Riding without a valid licence
- Riding under the influence of alcohol
- Using a private bike for delivery or hire without the right policy
- Damage when the policy has expired
Good to know
Tips for bike owners
- New bikes usually need a 5-year third-party cover. Ask us about the best way to buy it.
- Keep your helmet and safe riding habits. They help you avoid claims and keep your NCB.
- If your bike is used for delivery work, tell the insurer. Wrong use can lead to a rejected claim.
- Renew before the date. Do not let the policy lapse.
How we help
Simple steps to get covered
Share your details
Fill the short form with your name, mobile number and vehicle type. It takes about a minute.
Get your options
We call you, ask a few simple questions and explain the plans that fit your vehicle and budget.
Choose and stay covered
Pick the plan you like. We help with the papers, and with renewals and claims later.
Related guides
Read more before you decide
Two-Wheeler Insurance: Complete Guide for Bike and Scooter Owners
Two wheeler insurance explained in simple words: cover types, add-ons, NCB, claims and renewal for bike and scooter owners. Get a quote from Insurance Kro.
Read guideThird-Party Bike Insurance: Is It Mandatory and What Does It Cover?
Third party bike insurance is compulsory in India. See what it covers, what it skips and the penalty for riding without it. Get a quote with Insurance Kro.
Read guideHow to Renew Bike Insurance Online in Simple Steps
Learn how to renew bike insurance online in simple steps, what documents you need, and how to keep your NCB. Renew your policy with Insurance Kro today.
Read guideBike Insurance Claim Process: Step-by-Step Guide
Know the bike insurance claim process step by step: what to do after an accident or theft, documents needed and cashless claims. Ask Insurance Kro.
Read guideWhat Decides Your Bike Insurance Premium? 8 Key Factors
Learn the 8 key factors behind your bike insurance premium, from IDV and bike age to NCB and add-ons, and how to choose wisely. Get a quote at Insurance Kro.
Read guideNew Bike Insurance: Why a 5-Year Third-Party Cover Is Needed
New bike insurance usually comes with a 5-year third-party cover. Learn why, what own damage cover means, and what to check. Get a quote from Insurance Kro.
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FAQs
Questions about bike insurance
Is bike insurance mandatory?
Yes. At least third-party insurance is compulsory for every two-wheeler on the road in India.
What does a new bike policy look like?
New two-wheelers are usually sold with a long-term third-party cover of 5 years. Own damage cover is usually taken for 1 year at a time.
Can I renew my bike insurance online?
Yes. Keep your RC and old policy details ready. We can help you renew in a few minutes.
Will I lose my NCB if I miss the renewal date?
Insurers usually allow renewal within about 90 days to keep NCB. After that you may lose it. Check your policy and renew early.
Is zero depreciation useful for bikes?
It can be, mainly for newer bikes. It helps you get a higher claim amount on replaced parts. Check the insurer's limits.
Ready to protect your vehicle?
Share your details. We will call you with clear options and honest advice.