Two-Wheeler Insurance
Protect Your Ride. Ride with Confidence.
Understand, compare and choose the most suitable two-wheeler insurance plan for your bike or scooter. Get expert guidance, explore coverage options and make an informed decision – all in one place.
- Simple Process
- Expert Guidance
- Compare Options
- Trusted Support
All-Weather Protection
Zero-Deductible Cover
24/7 Roadside Assist
Understand Your Needs
Compare Different Options
Choose Suitable Coverage
with Confidence Expert Guidance at Every Step
Choose the Right Two-Wheeler Insurance
Select a plan tailored to your riding needs. From basic legal compliance to complete peace of mind.
Third-Party Insurance
Mandatory cover for third-party legal liabilities.
- Third-party injury & death cover
- Third-party property damage
- Personal Accident cover
- Affordable budget premium
Comprehensive Insurance
All-in-one protection for bike & legal liabilities.
- Damage due to accidents & fire
- Theft & natural disaster cover
- Third-party liability included
- Zero Depreciation add-on available
Standalone Own Damage
Perfect if you already have Third-Party cover.
- Damage to your own two-wheeler
- Coverage against theft & vandalism
- Flexible choice of add-ons
- Saves money if TP is active
What Can Be Covered?
Accident Damage
Protection against collision and road mishaps.
Theft
Coverage for total loss due to theft or robbery.
Fire Damage
Safeguards from self-ignition, lightning, and fire.
Natural Calamities
Shields from floods, storms, and earthquakes.
Third-Party Liability
Covers legal liabilities for third-party damages.
Personal Accident
Medical cover for you and your pillion rider.
Popular Add-On Covers
Tailor your policy with absolute protection. Maximize your peace of mind with our essential rider-focused add-on benefits.
Zero Depreciation
Claim full cost of replaced parts without depreciation deduction during a claim.
Roadside Assistance
Emergency towing, puncture assistance, fuel delivery, and taxi coordination 24/7.
Engine Protection
Invaluable cover for engine damage due to water ingress or lubricating oil leakage.
Consumables
Receive pay-outs for replaced nuts, bolts, engine oil, lubricants, and filters.
Return to Invoice
Retrieve the full invoice value of the bike in case of absolute total loss or theft.
Key Protection
Reimbursements for replacing lost or damaged keys and repairing locks.
How It Works?
Get your motorcycle covered in four simple, hassle-free steps.
1
Enter Bike Details
Provide your registration number and riding history.
2
Compare Options
Review multiple tailor-made quotes side-by-side.
3
Choose Cover
Select the policy level that suits your budget and needs.
4
Get Policy
Pay securely online and receive your certificate instantly.
Why Choose Universe Insurance?
Get the protection you deserve with policies tailored for every rider and every journey.
Expert Guidance
Work with licensed experts who specialize in motorcycle protection to structure your customized policy.
Transparent Comparison
Compare rates and benefits side-by-side with zero hidden fees. We map out everything plain and simple.
Simple Process
From instant digital quotes to quick digital signing, get fully covered in just a couple of clicks.
Claims Assistance
Our responsive, empathetic 24/7 support network stands ready to fast-track your claims.
Common Queries
Frequently Asked Questions
Find answers to your questions about coverage, claims, renewals, and legal mandates. Keep your ride protected without any doubts.
Is two-wheeler insurance mandatory?
Yes, as per the Motor Vehicles Act, it is legally mandatory to have at least third-party two-wheeler insurance coverage to ride on public roads. Riding without active insurance can attract heavy fines and legal penalties.
What is comprehensive insurance?
Comprehensive insurance is an all-inclusive policy that covers legal liabilities to third parties (injuries, deaths, and property damages) as well as own damages caused to your own two-wheeler due to accidents, natural disasters, fire, vandalism, or theft.
What is IDV (Insured Declared Value)?
Insured Declared Value (IDV) is the maximum sum assured fixed by the insurer, representing the current market value of your vehicle. It is calculated as the manufacturer’s selling price minus depreciation based on the bike’s age, and is paid out in case of theft or total constructive loss.
What is No Claim Bonus (NCB)?
No Claim Bonus (NCB) is a reward discount on premiums given to policyholders for not making any insurance claims during the previous policy year. This discount accumulates over consecutive claim-free years, potentially saving you up to 50% on your premium.
Can I renew an expired policy?
Yes, you can renew an expired policy online. However, depending on how long the policy has been lapsed, your vehicle may require a physical or digital inspection, and your accrued NCB (No Claim Bonus) might be reset if not renewed within 90 days.
What are add-ons in two-wheeler insurance?
Add-ons are optional coverages that you can purchase alongside a comprehensive policy to extend protection. Examples include Zero Depreciation cover, Roadside Assistance, Pillion Rider protection, Engine Protect cover, and Consumables cover.
Ready to Protect Your Ride?
Compare two-wheeler insurance plans and get expert guidance today.