Get a Best Two Wheeler Insurance & Save up to 10% on Premium

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Two Wheeler Insurance

Key Offerings​​​​​ on Two Wheeler Insurance

Just the way your bike has been a constant companion through all your journeys, our two wheeler insurance is designed to be the perfect companion for your bike. Protecting it at all times. Not convinced? Here's why our two wheeler insurance is the perfect match for your beloved vehicle.​

  • Instant Bike Insurance Quote without Any Paperwork
  • Two Wheeler Insurance​ starting at Rs.3/day*​
  • Quick and Hassle-Free Settlement
  • Cashless facility at Network Garages
  • A plethora of customized add-on covers for enhanced coverage
  • Instant Two Wheeler Insurance Renewal Without Any Inspection or Paperwork


We also provide add-on covers such as Nil Depreciation Cover and Personal Accident Bundle Cover to enhance your bike insurance Protection further.

You can also opt for the Long Term Two Wheeler Insurance Policy and ride worry Free for up to 3 years.Two Wheeler Insurance

​​​​​                Two Wheeler insurance can't get better than this! Get Instant bike insurance quotes. No Paperwork. Hassle-free claim settlement. Get a Two Wheeler Insurance plan within minutes and zoom away worry-free.​​

Things you need to know About Two Wheeler Insurance​​​

Why is two wheeler insurance necessary?

  • Avoid Financial Losses:- Two Wheeler Insurance protects you against the financial losses that could occur due to unforeseen accidents.
  • Mandated by Law:- Riding without a valid two wheeler insurance policy is punishable by law.
  • Peace of Mind:- Being financially prepared even for the worst case scenario will give you a sense of peace.
  • Personal Accident Cover:- Stay protected against medical treatment costs arising from accidents ​


Features of Two wheeler Insurance: 

  • Cashless Repairs: Experience great convenience by getting your bike or scooter repaired at any network garages, cashless!
  • Competitive Premium: Bike Insurance for your two wheeler starting at just Rs.3/day*
  • Hassle-free Claims: Get your two wheeler insurance claim settled speedily with minimum paperwork 


Add-on Covers to Buy With Two Wheeler Insurance:​

  • Nil Depreciation: With this add-on, secure your Two Wheeler against a reduction in the value of parts with age. You will get the parts replaced without any pinch to your wallet.
  • Personal Accident Covers: This cover offers protection against an accident, anywhere across the globe, regardless of who is driving. With this, you are insured against Accidental Death and Permanent Total Disablement.

                *Terms and Conditions apply. 

Details mentioned are for the product offered by- A2Z Insurance & Financial Services Two Wheeler Package Policy. Up to 50% discount is applicable on the Annual Two Wheeler Insurance policies only. This information is for Two Wheeler package Policy. The discount is applicable only on OD two wheeler insurance premium quote. ​ Discounts mentioned above are based on Vehicle category, Loyalty, Parking & Driving experience.​

​​​What are the different types of two wheeler insurance coverage?

Two wheeler Insurance Coverage can be classified into two categories:-



Covers only third party liability

Covers damage to own vehicle apart from third party liability

Low premium

Relatively higher premium

Mandatory by law

Not Mandatory by Law

Covers damage only arising out of vehicular collision

Covers damages caused due to theft and natural calamities apart from vehicular collision


What are Add-On covers?

When you are riding on the roads you are exposed to numerous risks. While a standard two wheeler insurance plan offers basic protection, you can enhance your two wheeler insurance protection by opting for add-on covers such as Nil Depreciation Cover and Personal Accident Cover.

What is NCB?

When you don't file a claim during your bike insurance policy period, you will be eligible for a discount on your next premiums. This discount is referred to as a No-Claim Bonus. The No-Claim Bonus discount will keep increasing progressively for each claim-free year until your bike insurance premium is reduced up to 50%.

What is IDV?

The IDV (Insured Declared Value) is the current market value of your vehicle which is calculated after deducting the depreciation amount. It is a crucial component of a two wheeler insurance policy as it determines the amount of compensation. In case of theft or total destruction of your bike or scooter, the IDV is offered as "Sum Insured".

What is Nil-Depreciation?

You may already know that the monetary value of your Two Wheeler reduces overtime. This eventuality is a result of asset depreciation. Nevertheless, with our Two Wheeler Insurance policy, you can combat the losses of depreciation by taking up a Nil-depreciation add-on cover along with your bike insurance. With a zero depreciation cover, you can be assured that the entire claim amount will be paid to you without deducting the depreciation sum.​

Benefits of Buying Two Wheeler Insurance Online

  • Compare costs and features of two wheeler insurance policies easily online
  • Calculate your motorcycle insurance policy premium online and get a clear picture of the expenses involved.
  • Purchase your two wheeler insurance policy through various payment options like Debit/Credit card, Net Banking, etc.
  • Benefit of additional support through online chat assistance during purchase to address all your queries


Low Premium Doesn't Mean Less Coverage. Here's How to Save On Bike Insurance Premium​​​​
We don't just sell Two Wheeler insurance; we also make sure our customers get the maximum value for money on their Two Wheeler insurance.

  • Claim NCB: NCB is a cumulative bonus which is rewarded for every claim-free year. You can secure a discount of up to 50% for 5 consecutive claim-free years.
  • Choose your Bike/Scooter CC Wisely: The higher the engine cubic capacity (CC) of your Two Wheeler, the higher will be the two wheeler insurance premium. So, choose the exact variant of your two wheeler to get the exact premium for the insurance.
  • Know The Age of Your Two Wheeler: Older bikes have a lower Insured Declared Value (IDV) due to the accrued depreciation over the years. Hence the premiums for older bikes are lower and vice versa.
  • Increase The Voluntary Deductible: A Voluntary deductible is an amount that you agree to pay out of your pocket. The higher your voluntary deductible, the lesser will be your bike insurance premium


What Does Your Two Wheeler Insurance Policy Cover?

Even if you are an expert rider, safety is not guaranteed. At A2Z Insurance & Financial Services, we endeavor to provide you the best possible coverage. Our Two Wheeler insurance policy covers your own as well as third party damages caused due to:-

Fire, Flood, Frost, Theft, Tempest, Typhoon, Typhoon, Earthquake, Explosion, Hailstorm, Cyclone, Landslide, Accident, Terrorism, Inundation, Lightening, Rockslide, Hailstorm, Hurricane, Self-Ignition, Riot & Strikes and/or Malicious Acts, Transit by Rail, Road, Air & Elevator

We Don't Hide. Here's What We Don't Cover Under Two Wheeler Insurance

 As much as we would like to cover all possible risks, certain situations are just not feasible. We like to maintain complete transparency with our customers. So here's what we don't cover:-

  • Normal wear-and-tea​r of the vehicle
  • Mechanical and electrical breakdown
  • A vehicle being used other than in accordance with the limitations as to use. For example, if you use your two wheeler for commercial purposes
  • Damage to/by person driving without a valid driving license
  • Loss or damage caused while riding under the influence of alcohol or any other intoxicating substance
  • Loss or damage due to depreciation of the vehicle's value
  • Consequential loss - if the original damage causes subsequent damage/loss, only the original damage will be covered
  • Compulsory deductibles - a fixed amount that gets deducted at the time of the bike or scooter insurance claim
  • Damage to Tyres & Tubes unless the vehicle insured is damaged at the same time in which case the liability of the Company shall be limited to 50% of the cost of replacement
  • Loss or damage to the accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time​​​​


Now Your Two Wheeler Insurance Premium Will Be More Than Affordable with Our Special Discounts!​