On Your Two Wheeler Insurance
India is the largest two wheeler market in the world. In 2019 alone, there were more than 20 million motorcycles sold in India. With so many bikes across the cities, accidents and thefts are very obvious. Apart from causing damage to the vehicle, an accident can also result in disability or death. Hence, it is not only important but also mandatory by law (Motor Vehicle Act 1988) to own a two wheeler insurance policy.
Imagine that you are riding a bike and all of sudden you met with an accident. Your overall bike repair cost can leave a big hole in your pocket. If your bike is insured then you would be protected from damages or losses caused.
Therefore, by paying premiums, you can ensure the safety of your scooter/motorbike and yourself with bike insurance policy.
In simple words, just like how a helmet protects you from a life-threatening injury, a two wheeler insurance protects you from financial losses.
In case your bike insurance plan is about to expire, it is important to renew it. It is easy to renew bike insurance policy online. If you own a comprehensive bike insurance plan and have an NCB (No Claim Bonus) add on, then you can even avail of a discount on your bike insurance renewal online
Comprehensive two-wheeler insurance covers you from third-party damages and own damages to your bike
Imagine an armor that can cover you from head to toe. A comprehensive insurance policy is like that armor for your two-wheeler. It provides extensive cover to your bike from various unforeseen events.
By choosing a comprehensive two wheeler insurance policy, you can also opt for several add-on covers to strengthen your bike insurance coverage.
Note: Both the third-party liability and comprehensive cover plans also include the compulsory personal accident cover for owner-driver with a premium of particular amount, for which the owner-driver is liable to receive a sum assured amount of Rs. 15 lacs in case of:
| TYPE OF INJURY | COMPENSATION LEVEL |
| Death | 100% |
| Loss of two limbs or sight of two eyes or one limb and sight of one eye. | 100% |
| Loss of one limb or sight of one eye | 50% |
| Permanent total disablement from injuries other than named above. | 100% |
Any losses or damages that you may suffer due to an accident caused while driving are covered in two wheeler insurance policy.
According to a report, almost 75% of vehicles that are stolen in India are two wheelers. If you have a two wheeler insurance policy, then you would have some respite since your losses due to theft would be covered.
Natural calamities like earthquakes, cyclones, floods can literally destroy your bike. Any damage caused to your bike/scooter due to such natural disasters is covered under Bharti AXA Bike Insurance Policy.
Any loss occurred due to accidental fire, riots, strike, etc., is covered under your bike insurance policy.
Did you end up hurting or damaging a person or property while riding your bike? Fear not, the losses that you may have to pay for are covered by the third party liability insurance plan.
If you damage the bike while you drink and drive, it will not be covered under two wheeler insurance. Don’t drink and drive.
After a period of time, the vehicle is bound to face regular wear and tear as well as losses due to depreciation of vehicle. These aren’t covered under two wheeler insurance policy.
Damage/ loss to the vehicle without a valid driving license will not be covered.
The reasons which are not mentioned above like consequential damages, mechanical failures, contributory negligence, staged accidents etc. will not be affirmed as a reason towards an insurance claim.
Depreciation Cover
Our bike insurance add-on saves you from paying depreciation on the expenses of repair or replacement of parts such as glass, fibre, rubber or plastic
Convenience
Buying two-wheeler insurance online is quite easy in today’s digitalworld! You just need a mobile device or a laptop with internet and you can purchase Bharti AXA Bike insurance in a few clicks.
Simple Steps
Steps to follow for buying bike insurance policy online Just visit Bharti AXA website, enter your details, and select the particular two-wheeler insurance you want to buy or renew and pay for it online. As soon as the payment is processed, the e-copy of the policy will be sent to your mailbox instantly. You can get your bike insurance, without the hassles of documentation.
So Many Payment Modes
You can make payment using your preferred digital payment options such as:
Quick Assistance
If you have any doubts related to the two wheeler insurance buying or renewal, then you can quickly seek clarification via online chat or call. In most cases, your query would be immediately.
*For complete details of coverage and inclusion, please read our policy wording.
Policy Name:
Smart Drive Two Wheeler Insurance
UIN:
IRDAN139RP0009V01200809
IRDAI Registration N0.139
CIN-U66030KA2007PLC043362
Secure Payment Gateways
Trade Logos displayed in the document belongs to Bharti Enterprises (Holding) Private Ltd and AXA SA respectively and used by Bharti AXA General Insurance Company under license. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. Bharti AXA General Insurance Company Limited. First Floor Hosto Centre, No. 43, Millers Road, Vasanth Nagar, Bangalore-560052.
Email: customer.service@bhartiaxa.com
Toll Free Number: 1800-103-2292