7 Things to Check in Bike Insurance Online Policy.

Bike insurance online policy is a crucial aspect of owning a motorcycle. It protects you financially in case of any damage or loss to your motorcycle. With the availability of online insurance policies, purchasing bike insurance has become convenient and hassle-free. However, with so many options available online, it can be challenging to choose the right policy for your bike. Therefore, it’s essential to know the 7 things to check in bike insurance online policy to ensure comprehensive coverage.

7 Things to Check in Bike Insurance Online Policy

  1. Coverage and Premium
  2. Add-On Covers
  3. Exclusions
  4. Network Garages
  5. Claims Process
  6. Renewal Process
  7. Customer Reviews

Let’s take a closer look at each of these factors and understand their significance in detail.

  1. Coverage and Premium

The first and most crucial factor to consider is the coverage and premium of the policy. Make sure to read the policy documents carefully and understand the coverage provided by the insurance company. Ensure that buy bike insurance online policy covers all the damages to your bike, including theft, accidents, natural calamities, and third-party liabilities.

Another important factor to consider is the premium of the policy. Compare the premiums of different insurance companies and choose the one that offers the most comprehensive coverage at an affordable price. However, do not compromise on coverage for the sake of a lower premium.

  1. Add-On Covers

Most insurance companies offer additional covers that can be added to the basic policy to provide extra protection to your bike. These additional covers are known as add-ons, and they can help you customize your policy as per your requirements. Some common add-ons include zero depreciation cover, engine protection cover, and pillion rider cover.

Before purchasing any add-on cover, understand its benefits and whether it’s necessary for your bike. Some add-ons may not be relevant to your bike or may be covered under the basic policy, so ensure that you do not end up paying extra for unnecessary covers.

  1. Exclusions

Exclusions are the damages or losses that are not covered under the bike insurance policy. It’s essential to understand these exclusions to avoid any confusion during the claims process. Some common exclusions include damages caused due to drunken driving, driving without a valid license, and intentional damages.

Read the policy documents carefully and understand the exclusions mentioned in the policy. If you have any doubts, clarify them with the insurance company before purchasing the policy.

  1. Network Garages

Most insurance companies have tie-ups with network garages, where you can avail of cashless repairs in case of any damage to your bike. These network garages offer high-quality repairs and ensure that your bike is restored to its original condition.

Before purchasing the policy, check whether the insurance company has tie-ups with network garages in your area. Also, check the number of network garages and their proximity to your location.

  1. Claims Process

The claims process is an essential aspect of bike insurance. It’s essential to understand the claims process and the documents required to file a claim. Some insurance companies offer a hassle-free claims process, while others may have complicated procedures.

Check the claims settlement ratio of the insurance company and read the reviews of the claims process before purchasing the policy. Also, ensure that the insurance company has a quick and efficient claims process to avoid any delay in the settlement of claims.

  1. Renewal Process

Bike insurance policies are valid for a specific period, after which they need to be renewed. It’s essential to renew the policy on time to avoid any lapse in coverage. Most insurance companies offer online renewal of policies, making it easy and convenient to renew the policy.

Before purchasing the policy, understand the renewal process of the insurance company. Check whether they offer a grace period for renewing the policy and whether they charge any extra fees for late renewal. Also, check whether the insurance company offers any discounts for the timely renewal of the policy.

  1. Customer Reviews

Lastly, read the customer reviews of the insurance company before purchasing the policy. Customer reviews can provide valuable insights into the quality of service offered by the insurance company. Read both positive and negative reviews to get a balanced view of the insurance company’s performance.

Check for reviews on the insurance company’s website, social media pages, and review websites like Google Reviews and Trustpilot. If possible, speak to existing customers of the insurance company to get a better understanding of their experience with the company.


1. Is it necessary to purchase bike insurance online?

Yes, purchasing bike insurance online is convenient and hassle-free. It also offers a wider range of options to choose from, and you can compare the premiums and coverage offered by different insurance companies.

2. What is the difference between a third-party and comprehensive bike insurance policy?

A third-party bike insurance policy covers only the damages caused to third-party property or persons. A comprehensive bike insurance policy, on the other hand, covers damages to your bike as well as third-party liabilities.

3. Can I purchase add-ons for my bike insurance policy later?

Yes, most insurance companies allow you to purchase add-ons for your policy later. However, it’s better to purchase them along with the policy to avoid any delay in coverage.

4. What documents are required to file a claim?

The documents required to file a claim may vary from insurance company to company. Generally, you would need to submit the insurance policy documents, a copy of your driving license, and the FIR (in case of theft or accident).


In conclusion, bike insurance is a crucial aspect of owning a motorcycle. When purchasing bike insurance online, ensure that you check the 7 things to ensure comprehensive coverage. Compare the premiums and coverage offered by different insurance companies, understand the add-ons, exclusions, and network garages, and read the customer reviews before making a decision. By doing so, you can ensure that you purchase the right bike insurance policy that provides complete protection for your motorcycle.

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