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Two Wheeler insurance is an insurance policy which protects you, your two wheeler and an affected third party from financial losses arising out of an unforeseen incident.
As per the Motor vehicle act , it is mandatory in India to have at least a third party two wheeler insurance to drive vehicle on road. Having this valid mandatory two wheeler insurance prevents you from the hefty fines as well.
There are several optional covers to choose from in a two wheeler insurance policy. These are zero depreciation cover.
Buying a two wheeler insurance policy online with Quickinsure is quite simple and hassle free.
Step 1:- Fill your car details on Quickinsure website or simply provide your two wheeler number.
Optionally you can provide your two wheeler details such as its make, model, RTO, NCB and manufacturing year.
Step 2:- Compare the best two wheeler insurance quotes from top insurance companies in India.
On the basis of information provided by you, you can choose the best two wheeler insurance plans from top insurance companies in India.
Step 3:- Make payment online
Pay the premium of two wheeler insurance directly to the insurance company and get the insurance policy instantly in your mailbox.
While planning to buy car insurance online with Quickinsure, you can choose from different types of car insurance.
1) Comprehensive Two Wheeler Insurance
Comprehensive two wheeler insurance includes the third party liability and damages caused to the two wheeler and the owner of the two wheeler. Comprehensive two wheelr insurance can be opted with various add-ons such as Zero depreciation cover. These add-ons are very popular options as these provide a complete protection from financial losses.
2) Third Party two Wheeler insurance
Third party two wheeler insurance covers the third party liability which arises in the event of two wheeler accident. In this type of policy only the death, disability and injury liability of third party is covered. Third party cover is mandatory in India while driving the vehicle as per Motor Vehicle Act. In this way, this cover only protects you from the financial liability towards third party.
Following table summarizes the coverage of Comprehensive and Third party two Wheeler Insurance
Coverage |
Third Party |
Comprehensive |
Damages to Third-Party Vehicle |
YES |
YES |
Damages to Third-Party Property |
YES |
YES |
Personal Accident Cover (Optional) |
YES |
YES |
Injuries/Death of a Third-Party Person |
YES |
YES |
Damages/Losses to own car in case of a natural calamity |
No |
YES |
Damages/Losses to own car in case of fire |
No |
YES |
Damages/Losses to own car due to an accident |
No |
YES |
Theft of your car |
No |
YES |
IDV Customization |
No |
YES |
Coverage against depreciation |
No |
No |
Extra protection with customized add-ons |
No |
No |
Add-ons in the comprehensive Two Wheeler insurance are the extra safeguards for your two wheeler by paying the extra premium.
Following are some of two wheeler insurance add-ons.
1) Zero Depreciation cover in Two Wheeler insurance
Zero depreciation cover also known as Nil Depreciation or bumper to bumper two wheeler insurance policies is a two wheeler insurance policy which protects you from claim on deprecation value basis. It means that in the event of two wheeler accident, the comprehensive two wheeler insurance only covers the depreciated value of the two wheeler but when you opt for zero depreciation cover , it provide the full coverage irrespective of depreciation. Most of the insurance companies provide zero depreciation cover till the three years.
As per the standard two wheeler insurance policies, following cause of losses covered.
As per the standard two wheeler insurance policy, following cause of losses not covered.
Factors that must be considered during buying the two wheeler insurance policy.