Two Wheeler Insurance – Get Two Wheel Insurance in cheapest price. Buy Online

Published: 17th August 2011
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Buying your favorite two wheeler as per your need & requirement is the dream of all people & if its our first new bike / scooter then we care it like our child & maintain it properly, but what if its met with the accident of mistake of other person or any other natural calamites?? We couldn’t imagine this situation, when because of others mistake we have to pay unnecessarily by burning our pocket or disturb our family budget. So for to avoid all this, two wheeler insurance is the only thing which you can get the full protection of car & also peace of mind against any un-expected bad financial situation.

Two wheeler insurance comes in two options, comprehensive & third party. Third party is
mandatory by law, which covers only legal liabilities for injury / death or damage of third party
property in the event of a mishap.

In comprehensive insurance policy made to be for cover your market value of car (IDV) where
you can get car parts and repair charges as per the age & depreciation of your Two wheeler. it
also insure you against any damage during accident, add on cover you as a driver & pillion rider
which is traveling with you, which you couldn’t get at third party insurance.
Comprehensive Two wheeler insurance include with third party policy insurance.

The Two wheeler insurance calculation is depend on some below mentioned factors.
IDV : Insured Declared Value (IDV) it means market value of car as per the manufacturer
decided. It deprecated each year by average 10%.

NCB : Its called No claim Bonus (NCB), If accident have not claim on previous policy, insurer
gives additional benefits of discount on next renewable policy , NCB discount is increasing year
by year until & unless you have not claim for accident repair. It varies from 20% to 50%.

Accessories Cover : You can insured your Two wheeler with additional fitted expensive
electrical & non electrical accessories like halogen light, modified kit etc…

In India there are lots of insurance companies but select those only who give you good after sale
service and hassle free claim settlement. Insured every insurance company’s take a payment
cheque by on company name and to give only by company name for to avoid being cheated by
fraud agents. otherwise, do the online payment only by trough genuine web portal service.
After every payment, ask for immediate cover note or e-cover note of respected insurance
company. This is valid for 60 days and as valuable as original insurance policy.

Two wheeler Insurance cover not only gives you protection against unexpected things but also
reduce your financial burden occurred during accident & gives you peace of mind


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