THIRD PARTY BIKE INSURANCE

Third-party bike insurance is the most basic and legally required form of bike insurance in India. It safeguards bike owners against financial liabilities if they cause injury, death, or property damage to someone else in a road accident. With more two-wheelers on the roads than ever, having valid bike insurance is essential to avoid legal fines and unexpected expenses. Riders can stay compliant with the Motor Vehicles Act, 1988, by purchasing third-party bike insurance online through Quickinsure, while enjoying fast policy issuance and affordable premiums.

Have you just bought your new bike? Are you wondering about how to get your first-ever third-party bike insurance? Then this blog can be immensely beneficial to you, as we have enlisted all the value points that can help you get the best 3rd party bike insurance. Let us start from the beginning and learn about the basics first.

What is it Third-party bike insurance?

You must have heard your father or friends talk of online bike insurance third-party. It is nothing but a type of basic two-wheeler insurance that offers coverage against damages your bike may cause to a third-party person/property/vehicle, etc. Having this insurance is compulsory as per the law of the land. If you do not get yourself two wheeler 3rd party insurance, you may have to pay a fine worth Rs 2000 to Rs 4000.

What does a 2-wheeler insurance 3rd party cover?

Property damage compensation: If you damage someone's house, vehicle, or any other property during a road accident, a third-party two-wheeler insurance will compensate for the same. The maximum limit depends on your insurer.
Personal damage to the third party: When an individual gets injured in a road accident, this insurance compensates for the medical expenditures of that person. Also, in case of the demise of an individual, proper compensation is given to his/her family.
Personal damage to owner-driver: In case you do not have a personal accident cover, the third party insurance will offer coverage to any kind of physical damage, unfortunate demise etc.

What are the advantages?

Compliance with rules and regulations: Having this insurance is compulsory in India. So, having a two wheeler insurance plan can help you adhere to the country’s rules and regulations.
Absolute peace of mind: Having a two wheeler insurance policy can keep you protected from unnecessary financial burdens in case of bike accidents. Thus you need not keep worrying about your unforeseen expenses.
Apt legal and financial assistance: When you have the right two wheeler3rd party insurance plan, it offers you adequate financial and legal assistance in case of demise, accident and damage.
Convenient claim procedure: Placing a claim for a two wheeler 3rdparty insurance is easy and simple. There is no unnecessary complications.
No need for renewal every year: There is no need for third party bike insurance renewal every year when you have long term 3rd party bike insurance.
Affordability: You need not worry about the third party insurance bike price as these plans tend to be quite feasible.

Things to keep in mind

The Motor Accident Tribunal takes the decision based on the regulations of IRDAI. It finalises the claim amount to be paid to the insurance holder. Know that there is no upper limit in case of personal damages to a third party. However, for the property, house or vehicle of the third party, there is a limitation of up to Rs 7,50,000.
When the third party files an FIR for the claim, he/she needs to furnish suitable evidence regarding the same.
Make sure you inform your insurer as well as the nearest police station as soon as the accident takes place. Delaying the thing can lead to cancellation and rejection of your claim.

Comprehensive v/s 3rd party insurance

A comprehensive bike insurance policy covers third party damages as well as own damage. On the other hand, this insurance just covers the damages that have been done to the third party.
Multiple add-ons such as return to invoice cover, zero depreciation etc., can be added to a comprehensive policy. In contrast, the 3rd party insurance plan only offers personal accident cover as an add-on.
You will get extensive coverage in the form of compensation for your bike as well as the third party's bike. However, this insurance will compensate for only the third party and his/her property.

Secure Legal Protection with Third-Party Bike Insurance from Quickinsure

Choosing the right bike insurance with third-party coverage helps riders protect themselves from legal claims and liabilities. Third-party bike insurance comes with IRDAI-regulated premiums, making it the most affordable option for two-wheeler owners. While it doesn’t cover your own bike for damages, theft, or fire, it provides essential protection against third-party risks and legal expenses. With Quickinsure, you can easily compare bike insurance plans, understand the coverage benefits, and buy third-party bike insurance online in just a few simple steps, ensuring seamless, worry-free protection.

FAQs

Q1. My bike is quite old, and I rarely use it now. Should I buy a third party two wheeler insurance or a comprehensive one?

Ans:  You should invest in a reliable third party two wheeler insurance policy.

Q2. Is it possible to buy third party bike insurance online?

Ans: Yes, of course! You can very easily buy third party bike insurance online as well as offline.

Q3. What will the third party two wheeler insurance policy not cover?

Ans: It will not compensate for any damage to the bike of the insurance holder.

Q4. What are the man-made disasters which 3rd insurance does not cover?

Ans: This insurance does not cover damages due to radioactive contamination, war or testing of nuclear weapons.

Q5. Is third-party bike insurance mandatory for all bike owners?

Ans: Yes, third-party bike insurance is compulsory for all two-wheelers in India. Riding without valid bike insurance can lead to fines, penalties, or other legal issues.

Q6. What does third-party bike insurance cover?

Ans: A third-party bike insurance policy protects you if your bike causes injury, death, or property damage to someone else in an accident. It also covers the legal expenses associated with such claims.

Q7. How can I buy third-party bike insurance online easily?

Ans: You can purchase third-party bike insurance online through Quickinsure. Simply compare IRDAI-approved bike insurance premiums, choose a plan that suits you, and complete the payment securely, all in a few clicks.

Updated on - 08/01/2026