Health insurance just got 18% cheaper – no GST applicable!

Suzuki Bike Insurance

  • Customisable coverage for your bike
  • Add-ons for enhanced protection
  • Hassle-free claim process
Recent quote

HONDA MOTORCYCLE - ACTIVA (102CC)

IDV: 5,00,000

Premium

6,353 + GST

What is two-wheeler insurance for scooters?

A two-wheeler insurance for scooter (commonly known as scooter insurance policy) provides a financial cushion in case your vehicle suffers damage due to natural or man-made calamities. These include fire, lightning, riots, terrorist activity, etc. This policy also covers third-party liabilities if your vehicle causes bodily injury or death to a third party or damages his/her property. Having this policy ensures that you can ride worry-free.

Why should you buy scooter insurance?

If you are wondering about the need to buy scooter insurance, here are the key benefits that this insurance has on offer:

Well-round protection

Your scooter is subject to various threats. These include theft, floods, typhoons, strikes, accidents by external means, etc. A scooter insurance policy cushions you financially in case your vehicle gets damaged.

Third-party liability

Sometimes, your scooter may end up causing damage to a third party. Third-party liabilities can be expensive. A scooter insurance policy helps you get coverage for such liabilities.

Avoid penalties

Driving your scooter without the mandatory third-party insurance cover can result in stiff penalties. A comprehensive two-wheeler insurance policy helps you avoid them.

Key features of scooter insurance policy

Scooter insurance has several key features that make it a must-have for scooter owners. These include:

Personal accident cover

The personal accident cover in two-wheeler package policy compensates you in case of bodily injury or death as per the policy’s terms and conditions.

Covers various risks

Explosion, self-ignition, landslide, rockslide, cyclone, etc., are various risks that can cause significant damage to your scooter. A scooter insurance policy covers all these losses and more.

Add-on covers

You can customise your scooter insurance policy with various add-on covers, such as NCB Protect, return to invoice, zero depreciation, etc. You can choose the cover that best suits your needs.

No claim bonus

If you don’t make any claim for a full year and the years before that, you get a no claim bonus (NCB). NCB helps you get a discount on your own damage policy premium as per the policy’s terms.

Types of scooter insurance in India

There are primarily three types of scooter insurance in India. These are:

Own damage insurance An own damage insurance for scooters provides coverage for natural and man-made calamities. These include fire, theft, floods, typhoons, etc.
Third-party insurance As the name suggests, a third-party insurance policy covers only third-party damages. It doesn’t cover its own damage. It’s mandatory to have a third-party insurance policy while driving a vehicle in India.
Comprehensive two-wheeler insurance Comprehensive two-wheeler insurance for scooters cover both own damage as well as third-party liabilities. It offers comprehensive protection to your scooter in case of any eventualities.

Add-ons for scooter insurance

Scooter insurance comes with several add-ons. Add-ons are extra covers that you can buy by paying an additional premium. Some add-ons available are:

1

NCB protect

This add-on protects your NCB even if you make a claim during the policy year. By protecting your NCB, you can lower your own damage premium.

2

Zero depreciation

This add-on helps you get full compensation from your claim without depreciation. This can significantly reduce out-of-pocket expenses.

3

Roadside assistance

This add-on cover helps if your scooter suddenly breaks down in the middle of the road. It offers for towing, breakdown support, fuel arrangement and other services.

4

Engine protect plus

This add-on helps cover the cost of repairing engine parts and gearbox parts due to water ingression or leakage of lubricating oil.

Note: Please read the policy wordings for complete details about add-on covers.

Scooter insurance - inclusions and exclusions

When you buy scooter insurance, it’s essential to know the inclusions and exclusions to avoid surprises.

  • Inclusions
  • Exclusions

Scooter insurance generally covers:

  • Loss or damage to the scooter due to riot, strike, tempest, inundation, transit by road, rail, etc.
  • Subject to deduction for depreciation as per applicable rates
  • Third-party liability resulting in death or property damage
  • Personal accident cover

Exclusions from scooter insurance include:

  • Any accidental loss or damage sustained outside the geographical area
  • Any claim arising out of contractual liability
  • Any accidental loss or damage or liability caused by nuclear weapons

Steps to buy scooter insurance online

Buying scooter insurance online is easy and straightforward. To buy it:

  • Visit our website here.
  • Choose ‘Bike Insurance’ from ‘Motor Insurance’
  • Enter your vehicle’s registration number and click on ‘Quote’
  • Select the policy you want to buy and then complete the payment

How to file a claim for scooter insurance?

To make a claim for scooter insurance:

  • Inform us regarding your claim on our toll-free number, website or IL TakeCare App
  • You can get your loss assessment survey done on our IL TakeCare app
  • Submit the required documents and the e-claim form for approval. That’s it.

For detailed info, please visit our claim page.

Documents required to claim a scooter insurance policy

The documents needed to make a claim from your scooter insurance policy are:

  • Registration certificate
  • Driving license
  • Policy copy
  • FIR or Police report (depending on loss type)
  • Garage Estimate
  • Repair invoice
  • Any other document required by the insurer

For detailed list of documents required, please click here.

What is the process to renew a scooter insurance?

To renew your scooter insurance policy:

  • Visit our website here.
  • Click on ‘Bike Policy’ under ‘Renewals’
  • Enter either your ‘Registration Number’ or ‘Policy Number’
  • Click on ‘Proceed’
  • Follow the appearing instructions and pay the premium to renew your policy

Frequently asked questions

Is scooter insurance mandatory in India?

Yes. At least third-party insurance is required by law to ride your scooter on Indian roads.

Which type of insurance should I buy for my scooter?

Comprehensive insurance is better as it covers both third-party and own damage. However, it costs more than third-party-only insurance.

How is the premium for scooter insurance decided?

It depends on your scooter’s age, model, type of cover and any add-ons you choose.

How long is scooter insurance valid?

Most policies are valid for one year. However, you can also buy long-term policies (up to 3 or 5 years).

Will insurance cover damage if I don’t have a license?

No. If you ride without a valid license, your claim can be rejected.

Hi there!

Let us help you explore and buy a new policy.

Chat now
Available 24 x 7

Error message here