Cheapest Two-Wheeler Insurance Online

Ensure your peace of mind with Aapka Policywala’s comprehensive two-wheeler
insurance plans. Our insurance policies are designed to safeguard you against a range of
risks including damages incurred in accidents to unforeseen events that may lead to
injury or death. With us, you’re covered for every two-wheeler insurance need
imaginable. Don’t wait until it’s too late – get your bike, scooter, activa, or ebike
insurance today and enjoy the freedom of the road worry-free!

Buy two wheeler insurance online

Why Aapka Policywala for Your Two-Wheeler Insurance?

We understand that selecting the right 2-wheeler insurance provider is crucial for
personal safety and traffic police penalty protection. Here’s why Aapka Policywala – a leading online insurance firm in India – should be your top choice for two-wheeler insurance renewal:

Effortless Online Process

Bid farewell to cumbersome insurance paperwork and long queues. With our streamlined online platform, renewing or buying a new two-wheeler insurance is as simple as a few clicks. We prioritize convenience, ensuring you can complete the process swiftly.

Competitive Pricing

We believe in providing exceptional value without compromising on 2-wheeler coverage. Our competitive insurance pricing ensures that your bike or scooter receives the best insurance protection. Rest assured, with Aapka Policywala, you're getting the cheapest 2-wheeler coverage out there!

Comprehensive Coverage Options

Whether you're seeking comprehensive coverage or specialized add-ons, we offer a range of options tailored to suit your unique needs. Our customizable policies ensure that you receive the maximum two-wheeler protection on the road, safeguarding you against a variety of risks and uncertainties.

Dedicated Customer Support

Our team of insurance specialists is committed to delivering prompt and efficient assistance throughout the renewal process. From addressing inquiries to resolving concerns, we are here to ensure a smooth and hassle-free experience while buying or renewing 2-wheeler insurance.

Why is Two-Wheeler Insurance Important?

Two-wheeler insurance is an essential shield against potential financial setbacks stemming from theft, accidents, or damages incurred during covered events, providing crucial financial protection and ensuring compliance with local regulations. With comprehensive coverage from insurance providers like Aapka Policywala, riders can alleviate the burden of unexpected expenses and ride with peace of mind knowing they’re prepared for any eventuality.
Additionally, riding without insurance carries serious legal repercussions as it violates Indian law mandating insurance coverage for all vehicles on public roads. By purchasing a two-wheeler insurance policy with Aapka Policywala, riders not only ensure compliance but also enjoy the peace of mind that comes with comprehensive coverage, safeguarding against various risks and uncertainties on the road.

Key Features and Benefits of Two-Wheeler Insurance

A 2-wheeler insurance policy comes with a multitude of essential features and advantages tailored to protect you and your vehicle on the road. Here some of
the major one’s worth considering:

Key FeaturesBenefits
Third-Party Liability Coverage– Protection against legal liabilities for bodily injury, death, or property damage to third parties.
 – Complies with legal requirements for riding on public roads.
Own Damage Coverage– Coverage for damages to your own vehicle due to accidents, theft, fire, vandalism, and natural disasters.
Personal Accident Cover– Compensation for accidental death or permanent total disability of the owner/driver.
No Claim Bonus (NCB)– Discounts on premium for claim-free years, reducing insurance costs.
Cashless Claim Settlement– Convenient repair process at network garages with no upfront expenses.
Add-On Covers– Customizable options to enhance coverage with additional benefits.
Peace of Mind– Assurance and protection against unexpected financial burdens.
Legal Compliance– Fulfilling legal obligations for riding on public roads.
Protection Against Theft– Coverage in case of theft or total loss of the insured vehicle.

Types of Two-Wheeler Insurance Policies in India

Third Party Liability

These policies fulfill the financial obligations arising from accidents involving third-party assets, as mandated by the Motor Vehicles Act of 1988. They cover damages or injuries caused to others by the insured two-wheeler.

Own-damage Cover

This type of policy provides financial protection specifically against theft or damage to the insured bike, scooter, activa, or ebike, offering peace of mind to the owner in case of such unfortunate events. One of the cheapest 2-wheeler insurance options out there!

Comprehensive Cover

Combining the benefits of third-party liability and own-damage coverage, comprehensive insurance provides a wider scope of protection. It safeguards against expenses arising from theft or damage to the insured vehicle as well as third-party liability.

How to Select the Best Two-Wheeler Insurance Online ?

Selecting the best online two-wheeler insurance policy involves several steps to ensure you make an informed decision tailored to your specific needs:
Access Your Coverage Needs

Consider factors such as your two-wheeler's age, usage patterns, location, and personal preferences to determine whether you require comprehensive coverage or just third party liability coverage.

Compare Plans from Multiple Insurers

Utilize Aapka Policywala's insurance comparison website to compare policies from various insurers. Evaluate coverage benefits, add-ons, premium costs, and customer reviews for each policy to identify the most suitable option.

Check Insurer’s Reputation:

Research the reputation and financial stability of the insurance companies you're considering for bike, scooter, ebike, or activa coverage. Look for customer reviews, ratings, and the insurer's claim settlement record to assess their reliability and customer service quality.

Coverage and Add-Ons:

Ensure that the selected two-wheeler insurance policy offers the necessary coverage, including third-party liability and own damage protection. Evaluate add-ons that align with your 2-wheeler insurance needs but avoid unnecessary ones that may significantly increase the premium.

Claim Settlement Ratio:

Check the claim settlement ratio of the two-wheeler insurer, as a higher ratio indicates more efficient claims processing. This factor is crucial for peace of mind during a claim situation.

Online Reviews and Testimonials:

Read online reviews and testimonials from existing policyholders to gain insights into the insurer's customer service, claim settlement process, pricing, and overall experience.

No Claim Bonus (NCB):

Verify if the insurer offers a No Claim Bonus (NCB) feature, which rewards you with a discount on the premium for every claim-free year. NCB can substantially reduce your bike insurance renewal costs and give you the cheapest 2-wheeler insurance options.

Network Garages:

If you prefer cashless claim settlement, ensure the insurer listed on Aapka Policywala has a wide network of authorized garages where you can avail cashless repair services for your ebike, scooter, or moped.

Ease of Purchase and Renewal:

Choose insurers that offer a user-friendly online platform for 2-wheeler policy purchase and renewal. A smooth and hassle-free process enhances the overall customer experience.

Customer Support:

Evaluate the insurer's customer support services, as prompt and efficient assistance can be crucial in resolving queries and addressing concerns effectively. This is as important as ensuring affordable pricing.

Read Policy Wordings:

Thoroughly read the online two-wheeler insurance policy documents, including terms and conditions, to understand the inclusions, exclusions, and other important details of the policy.

Filling a 2-Wheeler Insurance Claim: Documents Required

To ensure a seamless and efficient two-wheeler insurance claim process online at Aapka Policywala or any other 2-wheeler insurance provider, it’s essential to have the following documents readily available for submission:
  1. Claim Form: Fill out and sign the claim form provided by the insurance company to initiate the claims process.
  2. Copy of Insurance Policy: Provide a copy of your valid two-wheeler insurance policy document to verify coverage details.
  3. Driving License: Submit a valid driving license to authenticate your legal authorization to operate the two-wheeler.
  4. Registration Certificate (RC): Include a copy of the vehicle’s registration certificate to confirm ownership and provide essential vehicle details.
  5. First Information Report (FIR): If applicable, furnish a copy of the FIR filed with the local police station for incidents involving theft, vandalism, or major accidents resulting in injuries.
  6. Estimate of Repairs: Provide a repair estimate from the garage or workshop where you intend to have your two-wheeler repaired, detailing the expected costs.
  7. Hospital/Medical Records (if applicable): If the claim involves personal accident cover, submit relevant medical records and bills related to hospitalization or treatment for injuries sustained.
  8. Copy of PAN Card: For claim settlement amounts exceeding a specified threshold, you may need to furnish a copy of your PAN card for tax purposes.
  9. Original Repair Bills (for reimbursement claims): Retain original repair bills and receipts if you opt for reimbursement claims after repairs conducted at a non-network garage.
  10. Canceled Cheque and Bank Details: Provide a canceled cheque and your bank account details for direct claim settlement via NEFT transfer, ensuring prompt and hassle-free processing of claim settlements.

Online Premium Calculation for Two-Wheeler Insurance

Experience the effortless convenience of technology with Aapka Policywala’s online two-wheeler insurance premium calculation tool. Here’s a step-by-step guide to help you seamlessly navigate through the process:
Use Our Comparison Portal:

Locate the "Premium Calculator" or "Get a Quote" option on either Aapka Policywala’s homepage or the specific insurance product page for two-wheelers.

Access the Premium Calculator:

Locate the “Premium Calculator” or “Get a Quote” option on our Aapka Policywala’s homepage or the specific insurance product page.

Enter Your Details:

Enter relevant information such as your two-wheeler's make, model, year of manufacture, and registration location. Additionally, input your personal details including age and previous insurance history, if applicable.

Select Coverage Type and Add-Ons:

Choose between third-party liability or comprehensive coverage based on your needs. Additionally, select any desired add-ons to customize your policy for enhanced protection.

Submit the Details:

Once all required information is accurately entered, submit the details for processing through our secure platform. Make sure the form is correctly filled and there are no errors.

View the Premium Estimate:

Our premium calculator will swiftly generate an estimate based on the provided data. You will be able to view the cost for the selected coverage and add-ons in real-time.

Proceed with Purchase:

Upon reviewing the premium quote and coverage details, proceed with purchasing the policy directly through our website for instant protection. Enjoy peace of mind knowing your two-wheeler is adequately insured.

Process of Filling Two-Wheeler Insurance Claims Online

Navigating the process of filing a claim for your two-wheeler bike insurance purchased through Aapka Policywala is straightforward and hassle-free. Here’s a step-by-step guide to help you through the process:
  1. Inform the Insurer: Contact your insurance company or their customer service helpline following the accident or incident. Aapka Policywala’s dedicated claims specialist will assist you in providing detailed information, including the date, time, and location of the event.
  2. Provide Necessary Information: Ensure you have your policy number, contact details, and incident details ready when reporting the claim. Include a description of the accident, extent of damage or injuries, and any involved third parties.
  3. File a First Information Report (FIR): If the incident involves theft, vandalism, or major accidents with injuries, file an FIR with the local police station. Keep a copy as it may be required during the claim process.
  4. Submit Required Documents: Your insurer will request specific documents to support your claim. These may include a completed claim form, copy of your driving license, two-wheeler’s registration certificate, photographs of the damaged vehicle, repair estimates, medical reports (if applicable), and other relevant documents.
  5. Claim Survey: Depending on the extent of damage, a surveyor may assess the loss. They will inspect your two-wheeler bike or scooter, verify claim details, and submit a report to the insurer.
  6. Repair Your Vehicle: Opt for repairs at a network garage for cashless claims or choose a non-network garage for reimbursement claims. Submit repair bills accordingly.
  7. Settlement: Once the surveyor’s report is received and all documents submitted, your claim will be processed. If approved, the insurer will settle the claim directly with the repair garage or reimburse you accordingly.
  8. Claim Status: Stay updated on your bike, activa, or scooter claim’s progress by contacting customer service or checking online using our platform or the insurer’s website or mobile app.

2-Wheeler Insurance Coverage Options

Ensure comprehensive protection for your bike, moped, scooter, or ebike with our range of cheap insurance coverage options meticulously tailored to safeguard against various risks and uncertainties:
Theft Coverage

Our comprehensive insurance shields you against the theft of your two-wheeler, providing compensation for the vehicle’s value in the unfortunate event of theft or total loss.

Natural Calamities Coverage

Extend your coverage to damages caused by natural calamities such as earthquakes, floods, storms, and more, ensuring financial security in the face of unpredictable disasters.

Fire and Explosion Coverage

Safeguard your bike, moped, or e-scooter against damages resulting from fire and explosions, providing essential financial protection for your valuable asset.

Riot and Vandalism Coverage

Some of our cheapest policies provide coverage for damages to your two-wheeler due to riots, strikes, or malicious acts, offering peace of mind amidst uncertain times.

Consumable Expenses Cover

Include coverage for expenses on consumables like engine oil, nuts, and bolts incurred during repairs, alleviating the financial burden of maintenance.

Roadside Assistance Cover

Stay prepared for unexpected situations like breakdowns, tire punctures, and fuel assistance with our comprehensive roadside assistance cover, ensuring you’re never stranded on the road.

Engine Protection Cover

Protect your engine against damages caused by water ingress or oil leakage, ensuring smooth performance and longevity for your vehicle.

Zero Depreciation Cover

Maximize your 2-wheeler coverage benefits with our zero depreciation cover, ensuring you receive the full claim amount without depreciation considerations.

Personal Accident Cover

Some 2-wheeler policies include personal accident cover for the owner/driver, providing compensation in the event of accidental death or permanent total disability.

Add-Ons for Enhanced Two-Wheeler Insurance

Sometimes, add-ons can serve as invaluable safeguards against financial loss and offer added security for your two-wheeler vehicle. Here are some common add-ons provided by insurers that are part of Aapka Policywala:
  1. Zero Depreciation Cover: This add-on ensures you receive the full claim amount without factoring in depreciation on the vehicle’s parts during repairs. It is particularly beneficial for new or recently purchased bikes, scooters, ebike, or mopeds.
  2. Engine Protection Cover: This cheap add-on provides coverage for damages to the engine resulting from water ingression, lubricating oil leakage, or gearbox damage. Since standard policies may exclude engine-related issues, this add-on can prove to be invaluable.
  3. Roadside Assistance Cover: Roadside assistance cover offers 24/7 assistance for breakdowns, flat tires, battery related issues, fuel depletion, and more, providing reassurance during 2-wheeler emergencies and ensuring you’re never stranded on the road.
  4. Consumable Expenses Cover: This add-on covers expenses on consumables like engine oil, nuts, bolts, and washers during repairs, alleviating the financial burden of these expenses during claim settlement and enhancing your overall coverage.
  5. Return to Invoice (RTI) Cover: In the event of total loss or theft of your two-wheeler, RTI cover ensures you receive the original invoice value of the vehicle rather than the depreciated value, offering enhanced financial protection and peace of mind.
  6. Personal Accident Cover for Pillion Rider: Personal accident cover for the pillion rider extends personal accident coverage to the pillion rider, offering financial protection in case of accidental death or disability, ensuring comprehensive coverage for all occupants.
  7. Key Replacement Cover: This affordable add-on gives coverage for the cost of replacing lost or stolen keys of your two-wheeler, offering added convenience and security, ensuring you’re always prepared in case of key-related issues.
  8. NCB Protection Cover: This add-on safeguards your accumulated No Claim Bonus (NCB) even after making a claim, enabling you to retain the NCB discount during policy renewal, maximizing your savings and ensuring continued benefits.

Advantages of 2-Wheeler Insurance Comparison Online

Looking for the ideal insurance provider for your sports bike or scooter but finding the selection process daunting? Fear not! Aapka Policywala’s online comparison feature simplifies the task of finding the cheapest two-wheeler insurance policy for you! Discover advantages awaiting you as you utilize our website’s policy comparison feature:
Multiple Options at Your Fingertips

Access a diverse array of 2-wheeler insurance options from various reputable companies, all conveniently hosted by Aapka Policywala's platform for quick and easy comparison.

Time and Cost Savings

Streamline the insurance purchase process and save valuable time and effort by eliminating the need for multiple visits to insurance agents or companies. Our platform ensures efficient and cost-effective decision-making.

Transparent and Unbiased Information

Benefit from unbiased information presented on our two-wheeler online insurance comparison platform. We guarantee transparency and facilitate informed decision making, empowering you to choose the best policy for your needs.


Customize your search based on specific requirements effortlessly. Simply input details such as your bike's specifications and desired coverage to receive personalized results tailored to your needs and preferences.

Detailed Policy Features

Gain comprehensive insight into policy features, inclusions, exclusions, and add-ons. Our website's two-wheeler insurance comparison feature enables a thorough understanding of coverage options, ensuring you make an informed decision.

Premium Comparison

Easily compare premium costs across different policies with varying coverage levels. Find the cheapest option without compromising on essential coverage, ensuring maximum value for your money.

Customer Reviews and Ratings

Access customer reviews and ratings for insurers and policies, providing valuable insights into claim settlement processes and customer service quality. Make informed decisions based on real user experiences and feedback.

No Pressure Purchase

Explore policies at your own pace without any sales pressure! Aapka Policywala's comparison table provides a stress-free shopping experience, allowing you to make decisions confidently and comfortably.

Instant Policy Purchase

Enjoy the convenience of purchasing your chosen policy instantly online. Facilitate quick and efficient coverage acquisition without any hassle, ensuring seamless and hassle-free transactions.

24/7 Access

Benefit from the round-the-clock availability of our two-wheeler online insurance policy comparison platform. Compare policies and make decisions at your convenience, anytime and anywhere, ensuring flexibility and accessibility for all users.

What Customers Say

Reviews and testimonials from our customers

“Using Aapka Policywala’s online comparison feature was a game-changer for me! I was able to easily compare multiple two-wheeler insurance policies from top insurers, all in one place. The transparency and detailed information provided helped me make an informed decision. Ended up saving both time and money!”

Rahul Sharma

“As a first-time buyer of two-wheeler insurance online, I was initially apprehensive. However, Aapka Policywala’s user-friendly platform made the process incredibly smooth. The detailed policy features helped me understand my options better. Thanks to its efficient service, I now have peace of mind knowing my Activa scooty is adequately insured.”

Neha Singh


“Recently purchased two-wheeler insurance online through Aapka Policywala.
Must say, it exceeded my expectations. The convenience of comparing policies
and making a purchase from the comfort of my home was unmatched. The
platform’s transparency and ease of use made the entire process hassle-free. 5/5
will highly recommend it to everyone!”

Rajesh Kumar