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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.

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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 two wheeler 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 bike insurance 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:

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

Documents Required for Filing a Bike Insurance Claim

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

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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.

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Scooter insurance

What is two-wheeler insurance for scooters?