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

Third-party bike insurance

  • Coverage against third party liabilities
  • Personal accident cover available
  • Hassle-free claim settlement
Recent quote

HONDA MOTORCYCLE - ACTIVA (102CC)

IDV: ₹5,00,000

Premium

₹6,353 + GST
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Understand your vehicle registration number

Your vehicle registration number is the unique vehicle identification number issued by Regional Transport Office (RTO) and mentioned in your vehicle RC book. The vehicle registration number is printed on license plate and affixed to your vehicle.

Kindly note: While entering your vehicle registration number, please be careful about similar looking characters and number, like alphabet ‘O’ being used in place of number 0 or vice-versa.

  • 1 The first two letters together indicates the state in India where the vehicle is registered.
  • 2 The second group comprises two numbers, which represents RTO district code.
  • 3 The last group is usually a unique combination of a character(s) and four digits. If it’s 0001, please enter all the four digits and not just 1.

What is third-party two-wheeler insurance?

Third-party two-wheeler insurance is a general insurance policy that covers your scooters and bikes against third-party legal liabilities. It covers you for legal liabilities against a third-party for accidental damage resulting in permanent injury or death or damage caused to property. Third-party two-wheeler insurance, which is also known as third-party bike insurance, is a mandatory requirement for all bike owners in India as per the Motor Vehicles Act. Simply put, it’s illegal to drive a bike without this policy.

How does a third-party insurance work?

A third-party insurance provides financial assistance to pay for any accidental damage or injury caused to a third person by your insured vehicle. Suppose you accidently damaged a third-party’s property with your bike. In this case, your insurer will help pay the repair costs so that you don’t have to pay anything out of your pocket. All you need to do is inform your insurance company immediately and file a claim.

Key features of a third-party bike insurance

Some key features of third party bike insurance are as follows:

Personal accident cover

Third-party bike insurance also comes with a personal accident cover. This cover provides coverage in case you suffer any accident while travelling, mounting or dismounting from your bike.

Third-party coverage

This insurance plan helps cover legal liabilities and provides financial assistance in case your bike causes bodily injury to a third party or damages his/her property.

Peace of mind

Knowing you are financially protected from liabilities reduces stress, especially after an accident. It allows you to focus on recovery without worrying about legal damages.

Easy renewal process

You can easily renew your third-party two-wheeler insurance plan online in a few easy steps. It ensures you always remain covered.

Reasons to buy a third-party bike insurance

Here’s why you should purchase third-party insurance for bike:

Legal requirement

It’s mandatory to have third party bike insurance under the Motor Vehicles Act. Riding your bole on Indian roads without this policy can result in stiff penalties and even imprisonment.

Financial protection

Legal liabilities can often run into several lakhs of rupees. Having a third-party insurance for bike helps you pay for them without dipping into your savings.

Cost effective

This insurance plan is a cost-effective way to remain guarded against legal liabilities arising due to accidents involving your bike. It doesn’t allow you to get burdened by unexpected responsibilities.

How to apply for third party bike insurance online?

To purchase online:

  • Visit our official website here.
  • Choose ‘Bike Insurance’ from ‘Motor Insurance’ tab
  • Enter your vehicle’s registration number and your mobile number to get a quote
  • Check your bike details and click on ‘Buy Now’
  • Review your policy and pay the premium to avail the plan

Process to renew third-party insurance for bike online

To renew your third-party two-wheeler insurance online:

  • Visit our official website here.
  • Click on ‘Bike Policy’ from ‘Renewals’
  • Enter either your registration number or policy number and click on ‘Proceed’ to retrieve your policy details
  • Check the policy details and pay the premium to renew your policy

Third-party bike insurance: Claim process

To make a claim:

  • Inform us immediately regarding your claim on our toll-free number 1800 2666
  • Fill up the claim forms and along with the relevant documents
  • Post verification of the incident and documents, we’ll pay your claim as per the policy’s terms and conditions

What is covered in third-party bike insurance?

  • Inclusions
  • Exclusions

Third-party insurance for bike offers the following coverages:

  • Third-party legal liability

    It provides coverage for legal liability against a third-party due to accidental damage causing permanent injury / death or any damage caused to property.

  • Personal accident cover

    This insurance plan also offers you a personal accident cover. It provides you compensation as per the policy’s terms and conditions in case you get injured while travelling, mounting or dismounting your bike.

Documents required for third-party bike insurance claims

The documents needed are:

  • Duly filed claims form
  • Proof of title to the vehicle
  • Original insurance policy

We’ll inform you in case you need to provide any other documents.

Two wheeler insurance blog articles

What is IDV and Why is it Significant for Used Two Wheelers?

This article explains IDV, its calculation, and how it affects insurance premiums, resale value and financing for used two-wheelers, helping owners set fair expectations and avoid overpaying or underinsuring.

17 Feb 2026
Common Mistakes Made While Buying Two-Wheeler Insurance

The article discusses frequent mistakes in buying two-wheeler insurance such as not declaring battery types for EVs, choosing low coverage plans, and ignoring IDV or NCB, which can affect claims and policy benefits.

16 Feb 2026
Tips to Increase the Life of Your Two-Wheeler

This article provides practical maintenance and riding tips to help prolong your bike’s life—from oil changes to tyre care—and highlights how responsible upkeep supports continued insurance coverage and riding safety.

17 Feb 2026
Read more articles

Frequently Asked Questions

Is third-party bike insurance worth it?

Definitely. A third-party bike insurance is one of the most cost-effective bike insurance plans available in the market through which you can get coverage against legal liabilities.

What are the things to keep in mind while buying third-party bike insurance?

Ensure the policy meets the mandatory legal requirements and check the insurer’s claim settlement ratio for reliability. Compare premiums across providers to get the best value. Understand exactly what is covered and what is excluded to avoid surprises later.

What’s the cost of a third-party bike insurance?

Prices depend on the bike’s engine capacity and may differ across insurers. Choose the one that best fits your needs without being too heavy on your pocket.

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Disclaimers:

The above content is for information and knowledge purpose only. For detailed understanding, kindly refer the policy wording of the product.

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