Secure Your Ride with Bike Insurance

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Bike Insurance

What is Bike Insurance?

Bike insurance is a financial safeguard that covers you against damages, theft, and third-party liabilities related to your two-wheeler. It ensures peace of mind by covering repair costs, legal liabilities, and medical expenses in case of accidents. Whether you own a bike or a scooter, having a valid bike insurance policy is mandatory as per the Motor Vehicles Act in India.

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Why Buy Online?

Enjoy Convenience and Cost Savings
24x7 Access

Buy, renew, or claim anytime from the comfort of your home.
Compare & Buy

Evaluate multiple insurance plans and choose the best coverage.
Paperless Process

Quick and hassle-free policy issuance with minimal documentation.

Legal & Financial Protection

Why Every Bike Owner Needs Insurance

Legal Compliance

A valid policy is mandatory as per the Motor Vehicles Act.

Financial Security

Covers repair and replacement costs in case of accidents.

Third-Party Coverage

Protects against damages caused to others and their property.

Personal Accident Cover

Provides financial aid in case of injury or disability.

Peace of Mind

Stay protected against theft, fire, or natural disasters.

No Traffic Penalties

Avoid fines and legal troubles by staying insured.

Types of Coverage

Understanding Different Bike Insurance Policies
Third-party Bike Insurance Policy

Covers damages or injuries caused to others due to your bike. It is mandatory in India and protects you from financial liabilities arising from accidents involving third parties.

Own Damage Bike Insurance Policy

Provides coverage for damages to your own bike due to accidents, fire, theft, or natural disasters. This is optional but essential for protecting your vehicle.

Comprehensive Bike Insurance Policy

Combines third-party and own damage coverage, offering complete protection for your bike, personal safety, and financial security in all situations.

The ApnaSecure Advantage

Why Choose Us for Your Bike Insurance?
Multiple Insurer Options

Compare and choose from top insurance providers.

Affordable Premiums

Get cost-effective plans without compromising coverage.

Instant Policy Issuance

Buy your policy within minutes through a seamless process.

Hassle-Free Renewals

Easily renew your policy online without paperwork.

Reliable Customer Support

Our experts assist you at every step of your journey.

Quick & Easy Claims

Enjoy a smooth claim settlement process with minimal hassle.

Smarter Insurance Choices

Why Comparing Bike Insurance Matters

Buying bike insurance online allows you to explore different plans, understand benefits, and choose policies that best fit your needs—all from the comfort of your home.

  • Better Coverage Options: Find a plan that offers the best value for your money.
  • Save More on Premiums: Compare costs and avail of discounts directly from insurers.
  • Transparent Policies: Understand policy terms clearly before making a decision.
  • Faster Process: No paperwork, no agents—just quick and direct policy purchase.
  • Customer Reviews & Ratings: Check feedback from other policyholders before choosing.
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Easy Renewals

How to Renew Your Bike Insurance in Minutes

Enter Policy Details

Provide your existing policy and bike registration details.

Compare & Choose Plan

Select a policy that fits your needs and budget.

Make Payment & Get Policy

Complete the payment online and receive your policy instantly.

Essential Documents

What You Need for Bike Insurance

Identity Proof

Aadhaar Card, PAN Card, or Passport for verification.

Vehicle Documents

RC (Registration Certificate) and previous insurance copy (if renewing).

Address Proof

Utility bill, rental agreement, or Aadhaar as proof of residence.

Hassle-Free Claims

Steps to File Your Bike Insurance Claim

Register the Claim

Inform the insurer immediately and provide details of the incident.

Submit Required Documents

Upload claim form, FIR (if required), and repair estimates.

Claim Settlement

For cashless, the insurer directly pays the garage. For reimbursement, submit bills and get reimbursed.

Your Questions Answered

Frequently Asked Questions About Bike Insurance

Yes, bike insurance is mandatory under the Motor Vehicles Act. Without it, riding your bike is illegal, and you may face hefty fines. Third-party insurance is the minimum requirement, offering protection against damages to others.

Third-party insurance covers liabilities for damages or injuries caused to others, while comprehensive insurance includes third-party coverage and protection for your own bike against theft, accidents, and natural calamities. Comprehensive insurance offers all-around safety.

Yes, you can transfer your bike insurance policy to the new owner when selling your bike. You need to inform your insurer and provide documents like the RC transfer proof, old policy, and buyer's details. It ensures continuity of coverage for the new owner.

The premium is based on factors such as your bike's model, age, location, engine capacity, and the type of coverage chosen. Add-ons like zero depreciation or roadside assistance also impact the premium. Regular renewals and NCB discounts can lower costs.

If you fail to renew your bike insurance, the policy will lapse, and you lose benefits like No Claim Bonus (NCB). Additionally, riding without insurance is illegal, and your bike will not be covered for any damages during the uninsured period.

Yes, you can renew your policy even after it expires, but it may require a bike inspection, and you could lose accumulated NCB benefits. Renewing during the grace period is advisable to avoid any interruptions in coverage or legal penalties.

You can buy bike insurance online through ApnaSecure, where you can compare policies from multiple insurance providers in one place. Buying online allows you to access competitive premiums, instant policy issuance, and a hassle-free paperless process. Whether you're looking for third-party coverage or a comprehensive plan, ApnaSecure helps you find the best policy that suits your needs.

The best bike insurance provider depends on factors like premium affordability, claim settlement ratio, add-on options, and coverage benefits. Instead of searching for a single company, ApnaSecure helps you compare and choose from leading insurers, ensuring you get the most cost-effective and feature-rich plan with a seamless claim settlement process.

Yes, as per the Motor Vehicles Act

Renewing your motor insurance policy is a simple process. You can renew online by entering your policy
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