TIPS TO COMPARE ONLINE TWO WHEELER INSURANCE QUOTES

Why Compare Bike Insurance Quotes

With the rise of digital platforms, more bike owners are choosing to buy bike insurance online rather than going through traditional agents. Online bike insurance offers greater transparency, faster processing, and potential savings by cutting out agent commissions. While buying two-wheeler insurance through an agent is still possible, online purchase has become the preferred choice for those seeking convenience, flexibility, and control over their policy. Platforms like Quickinsure make it even easier, allowing users to compare options and buy bike insurance in just a few simple clicks.

Two Wheeler insurance or bike insurance, refers to the plan that protects both the bike and its owner in case of any damages caused due to theft, riots, fire, natural calamities, accidents, or third-party liabilities. 

According to the Motor Vehicle Act 1988, it is mandatory to buy a third-party two-wheeler insurance policy to run a bike in Indian streets. The important factors to consider when buying bike insurance are benefits and premium amounts. Comparing quotes enables the owner to purchase a suitable policy that fits their budget.

What is Two Wheeler or Bike Insurance

Bike insurance, or Two Wheeler Insurance is a consent between a bike owner and an insurance provider company. The company promises the owner to cover all the financial crises caused by the sudden unforeseen damage to the bike. The whole range of two-wheelers is covered under the insurance policy, such as mopeds, scooters, and motorcycles.

Bike insurance plans are available in three varieties: comprehensive, standalone, and third-party bike insurance. These plans vary based on their coverage. You can choose a plan according to your requirements, but it is essential to renew it before the date of expiry.

Steps to Compare Two-Wheeler Insurance Quotes

There are two approaches for two-wheeler insurance quote comparison—online and offline. Opting for an offline can be time-consuming and full of hassles. Whereas the online approach is very reliable and quick. There are important steps for online two-wheeler insurance comparison.

Visit the website of a particular insurance provider or download their mobile application.

Fill in all the information asked by the provider, such as the year of manufacturing, model number, year of purchase, previous policy details, etc., of the bike.
Select IDV and reliable add-ons such as Roadside assistance, engine protection, zero depreciation, etc.
Check quotes and compare them with other providers’ quotes.
Tips for Two-Wheeler Insurance Quotes Comparison 

Premium

Take care of the premium and coverage offered by the particular company while comparing bike insurance quotes. Offering a lower quote doesn't mean that it will fulfil all the requirements. Therefore, it is essential to compare both premium and coverage before choosing any particular insurance policy.

Coverage and Add-ons

The same plan by two insurance providers cannot be similar. Some offer basic coverage, whereas some offer extended coverage. Also, there might be a difference in the add-on features they are providing. So compare both coverage and add-ons carefully while comparing the quotes.

Deductibles

Deductibles are part of the repair bill to be borne during the settlement of the claims. Selecting the company offering higher deductibles might reduce the premium but eventually increase the amount to be paid during settlement. So, it is essential to take care of the deductibles before selecting a quote.

Claim Settlement Ratio

It is the ratio between the number of claims received and resolved in a particular year. If the claim ratio is high, the company will settle them effectively.

Check Exclusions

The actual description can be achieved by the coverage and exclusions. It is essential to follow the list of what is included and excluded in your quote. This will help you to decide the effectiveness of the plan.

Garage Network

Cashless facilities are available at the network garage. The insured will settle the bills directly with the garage. Therefore, a company with a wider network can easily settle the claim.

Why is it Essential to Compare Two-Wheeler Insurance Quotes Online?

During this digital era, it is an easy, paperless, quick, and seamless approach. Comparison of two quotes online gives the surety to choose the economical and suitable Two Wheeler insurance.

Bike Insurance Premium Calculator

The requirements for bike insurance vary from person to person. The bike insurance premium calculator considers various parameters such as date, purchase, IDV, and add-ons to calculate the final amount to be paid.

Make an Informed Decision

Comparison of online insurance quotes gives the flexibility to make informed decisions and not decisions influenced by a salesman or agent.

No Need to Depend on an Agent

You will get direct access to the necessary information, such as policies, premiums, benefits, etc. There is no need to depend on an agent to collect the required information.

Saves Time

You can access the required information in less time and also from your comfort zone.

How to Select the Suitable Two-Wheeler Insurance Policy

Certain beneficial tips on how to select a suitable two-wheeler insurance policy are:

Know Your Coverage Requirements

Before starting the search for bike insurance, it is essential to do the assessment of plans and policies according to your budget and needs. There are two types of bike insurance based on the coverage- comprehensive and third-party cover.

The Cubic Capacity of Bike Decides your Premium

Get the knowledge about the cubic capacity of the bike, as it will help to calculate the final premium to be paid. Higher the cubic capacity, the higher the premium.

Understand Insurance Declared Value (IDV)

Insurance declared value refers to the current market value of the bike. It acts as the essential factor to calculate the two-wheeler insurance premium.

Look for Riders to Extend your Insurance Cover

If you want to make your coverage more detailed, you can add more riders to your policy.

Select a Reputable Insurer

Choosing a trustworthy and reputable insurance provider will provide peace of mind and ease of the process.

Two-Wheeler Insurance Quote Comparison Online

As we discussed above, comparing bike insurance and comparing online quotes is the key to selecting an effective insurance plan.

Remember to Read Online Reviews

Reading online reviews and complaints will help to understand the satisfaction of the customers with the insurance company.

Considering the above points will give you the surety that whatever policy and the insurance provider you are picking is the most effective one.

Benefits of Buying Two-Wheeler Insurance Online

The benefits of buying two-wheeler insurance online are:

No more agents
Zero paperwork
Cost-effective
Convenient and time-effective
Payment reminders
Pay premium online
Easy endorsement
Soft copy of the document

Online Bike Insurance vs Agent-Based Buying: Why Online Is the Smarter Choice
When it comes to bike insurance online vs agent-based bike insurance, the online option clearly wins for speed, convenience, and cost-effectiveness. Buying bike insurance online lets you instantly compare multiple bike insurance plans, check coverage benefits, and understand policy details without any hidden clauses. In contrast, purchasing bike insurance through an agent can involve paperwork, delays, and extra commission charges. With Quickinsure, you can buy two-wheeler insurance online anytime, from anywhere, making it a smarter, faster, and more hassle-free choice for today’s riders.

FAQs

Q1. Is buying bike insurance online safe?

Ans. It is easy and safe to buy, renew, and compare bike insurance policies online.

Q2. Is an online bike insurance policy a valid document?

Ans. Yes, it is valid.

Q3. What is long-term two-wheeler insurance?

Ans. It is referred to as a multi-year vehicle policy, the validity of which is 2 to 3 years.

Q4. What are the types of claims in a bike insurance policy?

Ans. There are three circumstances to claim a bike insurance policy:

If the bike suffers a damage
If a third party is hurt or a third party property is damaged,
If a bike is lost or stolen

Q5. What are the benefits of buying bike insurance online?

Buying bike insurance online comes with several advantages, including instant premium quotes, easy comparison of bike insurance policies, clear terms and conditions, flexible options, and secure digital payments.

Q6. Why do people prefer online bike insurance over using an agent?

Many riders prefer bike insurance online because it’s faster, more cost-effective, free from agent commissions, and gives you full control to choose the right bike insurance plan without relying on a middleman.

Q7. Does online bike insurance provide the same coverage as agent-based insurance?

Yes, bike insurance purchased online offers the same, and sometimes even better, coverage than agent-based insurance. Customers can easily review all inclusions, exclusions, and policy benefits before making a purchase.

Updated on - 10/01/2026