Bike Insurance – Secure Your Ride with Cashback & Coverage
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Your two-wheeler deserves more than just a helmet. At VehicleInsurance.co.in, we make it easy to find the best bike insurance plans in India with added perks like guaranteed cashback. Whether you’re renewing your existing policy or insuring a new scooter or motorcycle, we help you compare top insurers and buy the right plan in minutes.
Bike insurance not only protects you from financial liabilities but is also mandatory under Indian law. With options for third-party and comprehensive cover, you can choose what fits your riding style, usage, and budget. We work with reputed insurers like HDFC ERGO, ICICI Lombard, SBI General, and others to bring you the same policies you’d find elsewhere — but with exclusive UPI cashback.
Types of Bike Insurance
- Third-Party Bike Insurance: Covers damage or injury to another person, vehicle, or property. This is legally required to ride on Indian roads.
- Comprehensive Bike Insurance: Includes third-party cover and protects your own bike against theft, accidents, fire, floods, and more.
Pros & Cons of Bike Insurance Types
1. Third-Party Insurance
| Pros | Cons |
|---|---|
| Mandatory as per Indian law | Does not cover your own bike’s damage |
| Lowest premium among all plans | No protection from theft or disasters |
| Covers third-party life and property | Cannot be customized with add-ons |
2. Comprehensive Insurance
| Pros | Cons |
|---|---|
| Covers own bike and third-party damage | Slightly higher premium than third-party |
| Includes theft, fire, flood, and vandalism cover | Add-on costs can increase the premium |
| Can be enhanced with add-ons like zero depreciation | May vary by insurer and city |
Our Recommendation
For better protection and peace of mind, we strongly suggest choosing a Comprehensive Bike Insurance policy. It’s ideal for daily riders, long-distance commuters, and especially for newer bikes. Even with a slightly higher premium, the additional protection against accidents, theft, and natural disasters is well worth it.
Why Buy from VehicleInsurance.co.in?
- Instant comparison of 10+ insurance brands
- Buy online & receive UPI cashback after purchase
- Hassle-free renewals and claim assistance
- No sales calls, just honest, transparent information
Best Bike Insurance Companies in India (2025)
Looking for reliable two-wheeler insurance? Here’s a list of India’s top IRDAI-approved bike insurance providers — both online-first platforms and traditional insurers — offering comprehensive and third-party plans to match your riding needs.
1. ICICI Lombard General Insurance
ICICI Lombard offers reliable two-wheeler insurance with fast digital issuance, wide cashless garage access, and essential add-ons like Zero Depreciation and Roadside Assistance.
2. HDFC ERGO General Insurance
HDFC ERGO provides paperless bike insurance policies with instant issuance, mobile app-based claim tracking, and useful extras like Engine Protect and Emergency Assistance.
3. Bajaj Allianz General Insurance
Backed by a strong digital platform, Bajaj Allianz offers two-wheeler insurance with features like digital self-inspection, fast claims, and 24×7 roadside assistance options.
4. Tata AIG General Insurance
Tata AIG provides comprehensive and third-party bike insurance with value-added covers like return-to-invoice, consumables, and round-the-clock customer support.
5. Reliance General Insurance
Reliance delivers affordable two-wheeler insurance plans with easy renewals, claim-free year discounts, and a strong network of partner garages for quick service.
6. SBI General Insurance
From India’s trusted banking group, SBI’s two-wheeler policies offer reliable protection with fast claim intimation and a smooth offline + online experience.
7. Kotak Mahindra General Insurance
Kotak’s bike insurance policies are simple, affordable, and customizable — perfect for first-time buyers and experienced riders alike.
8. Iffco Tokio General Insurance
Iffco Tokio’s two-wheeler insurance offers affordable pricing, zero-depreciation options, and strong support across both urban and rural areas.
9. Future Generali India Insurance
Future Generali provides digital-friendly bike insurance plans with quick issuance, claim support, and add-ons tailored for city commuters.
10. Go Digit General Insurance
Go Digit stands out with fully digital, mobile-first bike insurance. Their smartphone-enabled claims and low premiums appeal to tech-savvy riders.
11. Acko General Insurance
Acko offers ultra-low-cost two-wheeler insurance with instant policy delivery, paperless claims, and useful add-ons for daily riders.
12. Zuno Insurance (formerly Edelweiss)
Zuno focuses on simplified, mobile-first two-wheeler insurance with fast claims, cashless garage options, and premium features at budget pricing.
13. Shriram General Insurance
Popular in semi-urban and rural regions, Shriram offers affordable two-wheeler insurance with simple documents and dependable customer care.
14. Magma HDI General Insurance
Magma HDI provides standard bike insurance policies with decent add-on options, good service response, and flexible renewal terms.
15. Liberty General Insurance
Liberty offers value-driven two-wheeler insurance with multi-year plans, NCB protection, and decent garage network support.
16. New India Assurance
One of India’s oldest insurers, New India Assurance offers IRDAI-compliant two-wheeler insurance with nationwide service and competitive pricing.
17. United India Insurance
United India provides basic and comprehensive bike insurance policies with strong support and physical presence across India’s regions.
18. Oriental Insurance
Oriental’s two-wheeler plans are known for trust and affordability, with offline claim servicing and protection for bikes of all age groups.
19. National Insurance Company
National Insurance delivers dependable two-wheeler policies with standard features and good branch-level customer support, especially in tier-2 and tier-3 cities.
20. Bharti AXA General Insurance (Merged with ICICI Lombard)
Bharti AXA’s two-wheeler policies, now under ICICI Lombard, were appreciated for their ease of purchase and fast claims. Existing customers continue under the new entity.
Protect your two-wheeler today with the right coverage and earn cashback along the way — only at VehicleInsurance.co.in.