Bike Insurance

Protect your two-wheeler from accidents, theft, and third-party liabilities — all in a few clicks.

Start with the Basics

What is Bike Insurance and Why It Matters

Bike insurance is a safety net for your two-wheeler. It provides financial protection against accidents, theft, natural calamities, and third-party damages. Whether you ride daily or occasionally, having valid insurance is both a legal requirement and a smart decision. With online bike insurance, you can compare multiple policies, customize your coverage, and get insured instantly — no paperwork, no delays. It’s affordable, flexible, and designed to keep you worry-free on the road.

Convenience at Your Fingertips

Why Buy Bike Insurance Online?

Instant Quotes and Policy Issuance

Compare plans and get insured within minutes — no branch visits or delays.

Paperless and Hassle-Free

Submit documents digitally and manage your policy from anywhere, anytime.

More Choices, Better Pricing

Access multiple insurers and plans to pick the one that fits your budget best.

Essential Protection for Every Rider

Why Bike Insurance is a Must-Have

01

Legal Requirement in India

Third-party bike insurance is mandatory under the Motor Vehicles Act.

02

Covers Accidents & Repairs

Avoid high repair costs after collisions or accidental damage.

03

Protects Against Theft or Fire

Get coverage in case your bike is stolen or damaged in a fire.

04

Third-Party Liability Cover

Secure yourself financially if your bike causes damage to someone else.

05

Natural Calamities Protection

Storms, floods, and earthquakes can damage your vehicle — insurance has you covered.

06

Peace of Mind on Every Ride

Ride stress-free knowing you're financially protected in any situation.

Explore Plans That Match Your Needs

Which Bike Insurance Policy Should You Choose?

Third-Party Bike Insurance

Covers damages to third-party property or injury to another person in an accident.

Own Damage Bike Insurance

Protects your own bike from accidents, fire, theft, or natural disasters.

Comprehensive Bike Insurance

All-in-one coverage for both own damage and third-party liabilities.

Here’s What Sets Us Apart

Your Trusted Partner for Two-Wheeler Protection

Multiple Plans, One Platform

Compare top insurers and select the plan that suits your riding style and needs.

Quick & Digital Process

Buy or renew your policy within minutes — no physical paperwork needed.

Expert Support Anytime

Our team helps you at every step — from buying to claim assistance.

Transparent Pricing

No hidden fees, no confusing jargon — what you see is what you pay.

Renewals Made Easy

Get notified before expiry and renew online in just a few clicks.

Reliable Claims Assistance

In case of a mishap, we help ensure smooth, stress-free claim filing and settlement.

Don’t Buy Blindly

Why Comparing Bike Insurance Makes a Big Difference

Comparing bike insurance online helps you make an informed decision. It’s not just about the lowest premium — it's about finding the best coverage for your lifestyle and budget.

Better Coverage Options

Evaluate features like zero depreciation, roadside assistance, and add-ons.

Save More on Premiums

Find cost-effective plans without compromising on essential protection.

Avoid Unwanted Exclusions

Understand what each plan includes — and more importantly, what it doesn’t.

Tailor-Made Plans for You

Pick a policy that fits your bike type, usage, and insurance history.

Quick and Simple Steps

Buy or Renew Your Bike Insurance in Minutes

01

Enter Bike or Policy Details

Provide your vehicle registration or existing policy number to get started.

02

Compare and Select a Plan

View quotes, explore benefits, and pick the best policy for your needs.

03

Pay Securely & Get Instant Policy

Make payment online and receive your policy instantly in your inbox.

Minimal Requirements

Documents You Need to Keep Ready

Vehicle Registration Document (RC)

Used to validate your bike’s make, model, and registration details.

A Valid ID Proof

A government-issued photo ID like Aadhaar, PAN, or Driver’s License.

Address Proof

Any document like utility bills or Aadhaar to verify your residence details.

Hassle-Free Claim Process

How to File a Bike Insurance Claim

1

Inform and Register the Claim

Notify the insurer through Upsure’s support team or directly within 24 hours.

2

Submit Required Documents

Upload the FIR (if needed), RC, policy details, and photos of the damage.

3

Claim Assessment & Settlement

Survey is arranged, claim is reviewed, and payout processed as per policy terms.

Your Questions, Answered in Detail

Frequently Asked Questions

Yes, third-party bike insurance is mandatory under the Motor Vehicles Act, 1988. It protects you from financial liabilities arising from injury or property damage caused to a third party. Riding without valid insurance can lead to fines or legal trouble. Though only third-party cover is mandatory, opting for a comprehensive plan ensures your own bike is protected too.

Most bike insurance policies are valid for 12 months. However, insurers also offer long-term plans (up to 3 or 5 years), especially for new bikes. Renewing your policy before expiry ensures continued protection and preserves your No Claim Bonus (NCB). Always check the policy document for the exact validity period.

Yes, you can renew your policy after expiry during a grace period, typically 30 days. However, driving during this time is illegal, and you won’t be covered. Post grace period, you may require a vehicle inspection, and you risk losing accumulated NCB. It’s best to renew in advance to stay protected without gaps.

NCB is a reward for not making any claims during a policy year. It’s offered as a discount on the premium during renewal and can go up to 50% after five consecutive claim-free years. The bonus is linked to the owner, not the vehicle, and can be transferred even if you switch insurers or buy a new bike.

If your bike is insured under a comprehensive or standalone own-damage policy, theft is covered. You need to lodge an FIR at the local police station, inform your insurer, and submit documents like the RC, insurance copy, FIR, and ID proof. Once verified, the insurer will process the claim as per the insured declared value (IDV).

Premium depends on factors such as your bike’s age, engine capacity, city of registration, policy type (third-party or comprehensive), and any add-ons selected. For comprehensive plans, the Insured Declared Value (IDV) also plays a key role. You can reduce premiums by opting for voluntary deductibles or avoiding minor claims.

Yes, when you sell your bike, the insurance can be transferred to the new owner. The buyer must inform the insurer within 14 days and submit documents like sale agreement, RC transfer proof, and ID. The policy is updated with the new owner’s details, and coverage continues without interruption.

Popular add-ons include Zero Depreciation Cover (no value reduction on replaced parts), Roadside Assistance (help in breakdowns), Engine Protection (for flood damage), and Return to Invoice (pays full invoice value in case of total loss). These provide additional peace of mind but come at an extra cost.

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Email: contactus@upsurebrokers.com Call: +91 90452 83235

Address: B-11, 2nd Floor, Sector 4, Noida UP - 201301

Upsure Insurance Brokers Pvt. Ltd., IRDAI Broker code - IRDAI / DB 958 / 2022, Valid Till date - 25 / 06 / 2026, Licence Number-899, CIN No.: U67200UP2022PTC164788, Principal officer name: Ankush Jain,
Contact No.: 91+ 90452 83235, Email ID: ankush.jain@upsurebrokers.com