As per the Indian Motor Act, 2 wheeler insurance is mandatory in India by law, as with all other vehicles. In India, motorbikes and scooters are preferred modes of transport since they are convenient to get around, often managing to stay ahead of traffic jams around the city. With the increasing incidence of accidents, it is important to make sure you posses a valid 2 wheeler insurance policy at all times. In addition to coverage, insurance companies also offer cashless claims facilities, where you can have your vehicle repaired at a garage listed on the insurance company’s network without paying for the expenses upfront.


There are two types of insurance plans available, namely third party insurance and comprehensive insurance. Those with a comprehensive 2 wheeler insurance policy are able to enjoy the benefits of cashless claims. Third party insurance covers only the other person (third party) involved in an accident against loss or damage caused by that accident. It also covers the third party’s medical and legal expenses. Comprehensive insurance on the other hand provides cover to you and your vehicle. Your vehicle is protected from loss or damages due to accident, theft, and natural disasters, while you are covered for medical and legal expenses resulting from an accident.

There may be times when you won’t be able to avail of the cashless repair facility. Like for example in the event of a garage in the insurance provider’s network being unavailable in your area, you can have repairs undertaken at a different garage and claim reimbursement from the insurance company for the same later on.

To make a 2 wheeler insurance cashless claim, you need to:

• Note the registration number of the third party involved in the accident, if any
• Note down the names and address of witnesses, if any
• Inform the insurance company of the accident and seek help from the customer care representative on the garage to be contacted
• File an FIR at the nearest police station and obtain a copy of the report

Once your claim is registered the insurance company representative will contact you and ask you to submit the documents required to process the claim. The insurance company’s representative will get an estimate for the cost of repairs and give his approval after the assessment.

2 wheeler insurance can be purchased online. It is advisable to shop for the maximum cover possible. Although the premiums for comprehensive insurance are higher, the benefits far outweigh any cost disadvantage. You can ask for free quotes and compare the rates, extent of cover, and additional benefits of several 2 wheeler insurance providers prior to making a choice. Insurance provides you with many benefits, which is why you should not to delay purchasing and renewing your 2 wheeler insurance policy.