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Your bike says a lot about you! Now providing it a superior coverage is at your fingertips!

Your bike is simply an extension of yourself. It has treated you so well and given you so many memories. How about returning the favour and gifting it the protection and care that it deserves? With Bluebox, you can treat your bike with the policy it needs. No more! No less!

What is Bike Insurance?

A bike insurance policy is a security blanket for your bike that provides financial protection in the event of an accident or theft.

There are two types of two wheeler insurance policies:

  1. Third-party Two wheeler insurance
  2. Comprehensive Two wheeler insurance
  • Third-party two wheeler Insurance policy: It is mandatory by law and provides financial protection only to the other party in case of an accident. It is a basic cover which is not recommended if you wish to protect your own vehicle.
  • Comprehensive Two Wheeler Insurance: An added level of security for your bike which provides protection against theft, vandalism, fire, natural calamities and even third party collisions. Our preferred policy for people that genuinely value their bike.
Add-on covers available with Bike Insurance

The following are the different add-on covers offered along with a Bike Insurance policy:

Zero Depreciation Cover: Most people believe that the bike insurance company pays for the entire garage bill. However, they don’t know that the cost of depreciation or replacement of brand new spare parts is also paid from their own pocket. If you wish the Insurance Company covers this cost, then you need to opt for the Zero-depreciation Add-on by paying slightly additional payment. This add-on covers the cost of replacing fire, plastic or rubber components of the bike.

Medical Cover: This is easily the most critical cover in case you meet with an accident. The cost of hospitalization is often unaffordable for most people. This makes this cover imperative as it provides financial protection against medical costs during an accident.

Passenger Cover: Riding a bike is a risky affair. Not just the biker but even the passenger is vulnerable to the risk of a fatal accident. The rider receives ample protection against accident with a bike insurance policy. However, the passenger continues to stay at risk. Since both parties have equal chances of an injury, this cover provides protection for the passenger as well. This way, the passenger receives ample protection against the risk of accidental death or disability.

Understanding the various coverage in a bike insurance is crucial as you need to ensure that you are covered against most feasible scenarios that can lead to damage or theft.

  • What is covered in your bike insurance policy?

    Your beloved bike is protected against the following:

    1. Earthquake, Fire, Lightning
    2. Explosion, Implosion, Self-ignition
    3. Storm, Flood, Inundation, Landslide, Cyclone etc
    4. Theft, Accident, Riot, Strike, Terrorism, Damage in transit, etc
    5. Legal Liability due to injury, death or damage to the property of the third party
    6. Personal Accident cover of Rs. 1-2 lakh against the risk of death and permanent disablement resulting from an accident
  • What is not covered in your bike insurance policy?

    The following are the exclusions of this policy:

    • Pre-existing damage. i.e. damages to the two-wheeler before policy commencement date
    • General wear and tear of the bike
    • Damage while driving without a valid driving license
    • Loss or damage under the influence of alcohol, drugs or any other intoxicant
    • Driving against a manufacturer guideline
    • Mechanical or electrical breakdown
    • Consequential loss
    • Loss or damage of vehicle because of war or nuclear risk
Bike Insurance FAQs
Policy Cover Related
  • Why do I need Bike Insurance policy?

    First of all, as per the Motor Vehicles Act 1988, it is mandatory to have a valid bike insurance policy for every bike owner.

    Apart from that, a bike accident or bike theft can lead to a possible financial catastrophe. Therefore, a protection of a bike insurance policy will enable you to drive confidently with complete peace of mind. In addition, insurance also covers the safety of someone else’s property.

  • What is Third Party Liability Insurance?

    A. Third party liability insurance protects you against damages to the vehicle or body of a third-party. In other words, if you crash into a vehicle on the road your third party insurance company will pay the damages.

    Third Party Insurance provides the following covers:

    1. Any permanent injury/death to a person caused by your vehicle
    2. Any damage caused to the property (excluding vehicle) of someone else by your vehicle
  • What are the different types of auto Insurance available?

    There are two types of covers available:

    Third party cover – This protects you from any legal liability in case of an accident with a third-party. However, you will have to pay from your own pocket if your own bike is damaged.

    Comprehensive cover – On top of the 3rd party coverage it also provides protection for your own vehicle against fire, accident, vandalism, theft and much more. It is a more exhaustive and hence the more preferred cover

  • What are the different types of vehicles that can be insured online?

    Any kind of private vehicle, be it two-wheeler or four wheeler can be insured online.

  • What is covered under a Comprehensive Policy?

    The following is the coverage of a comprehensive policy:

    • Own Damage to the Insured vehicle caused by:-
    • Accident by External Means
    • Fire, Explosion, Self Ignition and Lightning
    • Transit by Road, Rail, Inland Waterway, Air, Lift
    • Burglary, House breaking or Theft
    • Terrorism, Riots, Strikes or Malicious Acts
    • Third Party Liability:-
    • Injury or Death of Third Party
    • Property Damage
    • Personal Accident
    • Injury or Death of Third Party
  • What are the documents required to buy policy online?

    As such no documentation is required to buy a motor insurance policy online. This makes things really simple. Isn’t it?

    However, you can be asked about details such as:

    • Bike Registration number
    • Engine number
    • Chassis number
    • Previous policy number (if valid)
    • Bike manufacturing date
    • Date and city of bike purchase
    • Your contact details (address, phone no and email id)
    • A copy of your bike’s RC book
  • Why should I purchase bike insurance online?

    The game-changer in online insurance is the fact that you receive enticing discounts and get the option to compare and choose policies from the comfort of your house.

    The fact that you can compare the coverage and premium of different policies in seconds ensures you get the best deal with optimum coverage and most competitive premium.

    In addition, you can also enjoy innovative facilities such as renewal reminders through emails, and SMS, Secure online gateways, and safe tracking of your policies. Buying online gives you the option of paying though your Debit card, Credit card, or Net-banking.

  • Is it possible to renew my motor insurance policy online?

    Certainly! You can renew your motor insurance policy by providing your policy number and engine number.

  • Can passengers travelling in the bike be insured?

    A. Yes, they can be insured against the risk of Personal Accident by opting for an add-on and paying a slightly higher premium.

  • What is the meaning of No Claim Bonus (NCB)? Is it important?

    Your NCB can be an absolute game-changer in reducing your bike insurance premium. It is basically a small discount that your insurer offers you at the end of each claim-free year as a reward for your safe-driving. This amazing discount is accumulated every year starting at 20% in the first claim-free year, 25% in the second, 35% in the third, reaching up to 50% in the fifth claim-free year.

  • Can I transfer my NCB if I wish to switch my insurer?


    You can transfer your NCB within 90 days of your renewal date. If you wish to transfer it at the time of renewal, you simply have to inform your new insurance company about it and provide your NCB certificate.

Policy Premium Related
  • How is the premium calculated?

    The premium you pay is calculated considering the following details of the vehicle: Insured’s Declared Value (IDV), Place of Registration, Make-Model, and fuel type

    You can reduce the premium amount if you avail certain discounts based on your age, occupation and accrued NCB. Obviously, you will need to submit documents to prove your age, occupation or NCB.

    In case you opt for add-ons, your premium will be increased.

  • Is the premium of an expired Bike Insurance higher?

    Yes, it is. This is because a bike insurance policy has a validity period. Once, this period is over, the coverage is no longer active. Therefore, post 90 days of expiry you will need to get your bike inspected by a claim surveyor and lose our on your No-Claim bonus. Hence, these overheads lead to increase in the overall premium amount.

  • Is it possible to pay my auto insurance premium in instalments?

    Unfortunately, under the Insurance Act 1938, a motor insurance premium cannot be paid or accepted in instalments.

Policy Claims Related
  • What are the documents that are required to register a motor insurance claim?

    The following are a list of documents that are necessary while making a claim:

    For Damages due to an accident:

    • A duly filled claim form
    • Policy copy
    • A copy of the Tax receipt and the registration book
    • A copy of Driving license of the person driving the vehicle during the accident
    • FIR copy( for a third-part claim/ death/ or injury
    • An estimate of the repair costs before the vehicle is repaired
    • Bills and payment receipts after the repairs
    • Additional documents (if required)
  • Specifically for Theft cases:
    • FIR and final report of investigation
    • Original Registration book
    • Details of previous insurance
    • Policy Copy
    • Available sets of keys, warranty cards, service booklets etc
    • Acknowledged copy of the letter addressed to RTO informing them about the Theft
    • Additional documents(if required)
  • What is the meaning of Total Loss?

    Total Loss of a vehicle happens when the cost of repairs amounts to over 75% of the IDV on your policy. This means that it is impractical to invest on repairing your vehicle

  • What is salvage and what happens to it?

    A. Salvage refers to discarded parts that are damaged beyond repair and, therefore, need to be replaced. If these parts hold no economic value (broken glass, torn plastic, rubber parts), they are generally discarded.

  • What is a cashless claim and reimbursement claim?

    There are two ways of going about your claim. Namely,

    1. Cashless Claim
    2. Re-imbursement claim

    In a Cashless claim, cash is not exchanged during the claim settlement. The insurance company directly pays the repair costs to the garage. However, the garage needs to have a tie-up with the insurance company. In addition, it needs to be noted that the mandatory deductible and consumables cost needs to be shelled out by the owner.

    In a Reimbursement Claim, you will have to settle the entire garage bill from your own pocket and later claim re-imbursement from the insurance company by submitting bills and payment receipts.

  • What is the meaning of deductible?

    Deductible or excess is the amount a bike owner needs to pay from his pocket during a claim.

    There are two types of deductibles:
    1. Mandatory Deductible: A mandatory deductible is the amount which the bike owner has to compulsorily pay during a claim.
    2. Voluntary Deductible: The amount the bike owner is willing to pay during a claim to reduce his premium is called a voluntary deductible
  • Under which circumstances should I intimate the police?

    In case of any of these events the Police need to be informed immediately:

    • Damage of third party property
    • Injury of self or third party
    • Theft of vehicle or accessories
  • How will I know when the survey will happen?

    As soon as a claim is registered a representative of the insurance company will give you a call to fix an appointment for the survey.


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  • Expired Policy
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  1. Accident: Any Unforeseen and unexpected event is considered an accident. For insurance purposes it should be due to external, physical and violent means.

  2. Break In: A comprehensive policy that has expired and the customer propose to seek insurance for the same vehicle is a break-in policy.

  3. Cancellation: Insured can at any given point of time during the currency of policy can cancel the policy and can get the refund of premium on short period scale basis by a providing a notice of 7 days before the date of such cancellation. Insurer can also opt for cancellation, firstly a notice needs to be provided and the refund of premium is based on pro-rata basis.

  4. Certificate of Insurance: This is a document evidencing that a motor vehicle is insured against TP liability as required under the Motor Vehicle Act, 1988.

  5. Comprehensive Motor Insurance: A kind of policy where in the coverage is provided both for Third Party liability as well own damage to the motor vehicle.

  6. Constructive Total Loss: A loss of sufficient amount to make the cost of salvaging or repairing the property equal to or greater than the value of the property when repaired.

  7. Cover Note: A cover note is a temporary insurance certificate that is issued before the actual policy is issued to the insured, only after he has paid the premium for the insurance.

  8. Coverage: The scope of protection provided under a contract of insurance; any of several risks covered by a policy.

  9. Deductibles: It generally is the amount that is to be borne by the insured for any claims arising under the policy, this is arrangement is made by the insurer as to avoid frequent small claims.

  10. Depreciation: A decrease in the value of property over a period of time due to wear and tear or adolescence. Depreciation is used to determine the actual cash value of property at time of loss.

  11. Endorsement: It is documents which incorporates change or alteration in the existing policy. Endorsement is a duly signed written document which is attached with the policy document. An endorsement might or might not attract an additional premium.

  12. Exclusion: These are conditions and perils which are generally not covered under the policy. No claim is provided on operation of such perils.

  13. Insured’s Declared Value: It is the value for which the motor insurance is provided for. Such value is obtained from the seller’s price after providing the appropriate depreciation to the value. It also includes the cost of accessories installed in the vehicle. Depreciation is provided as per table specified by the India Motor Tariff.

  14. Insured: One who buys and holds the insurance.

  15. Insurer: One who provides the insurance.

  16. Liability Only Policy: It covers the third party liability for bodily injury or death and property damage arising out of use of the insured vehicle. PA cover for owner driver is also covered in this. This is a mandatory cover by the MV Act, 1988.

  17. No Claim Bonus: It is a discount offered by the insured on renewal if there has been no claim during the previous policy period, it increase every year. The discount so provided is on Own damage premium. The discount is capped at 50% of the total OD premium.

  18. Own Damage: Damages which happens to the insured vehicle during an accident.

  19. Owner Driver: A person owning a car and holding the driving license is known as owner driver.

  20. Partial Disability: if due to an accident, the insured person due to injury is not able to do one or more of his work, then such a disability is known as partial disability. It can be permanent and temporary as well.

  21. Personal Accident Claims: If due to an accident, injury or death of the owner driver or the co passengers happens and claim arises, then such claims are known as personal accident claims.

  22. Policy Period: It is the period for which the insurance is active. Motor insurance generally used to be of yearly basis but now a day’s some insurers have started providing it for more than a year. This is period is mentioned on the insurance policy.

  23. Policy Schedule: It actually is the policy; it contains all the information regarding the insurance opted for such as period of insurance, what is covered and what is not covered.

  24. Preferred Garages: Garages which are tied up with the insurance companies to provide quick and easy assistance. Such garages provide cashless facilities for the repairs.

  25. Private Car: A car which is used only for personal use.

  26. Proposal Form: It is a document which is required to be filled by the proposer of the insurance; it seeks the basic information about the proposer and about the vehicle which is being insured under the motor insurance.

  27. Renewal: It is said as the repurchase of the insurance when the previous one is expired or is generally purchased before the expiry.

  28. Roadside Assistance: During the happening of an accident while the vehicle is on road and away from the city lines, motor insurance provides for variety of assistance to the insured vehicle as well as to the insured.

  29. Salvage: In general terms it is the damaged vehicle which is beyond repair and in return of claim is given to the insurer.

  30. Sum Insured: It is the limit of liability of the insurer under the policy for a given period of time.

  31. Third Party Claims: A demand made by a person against a policyholder and any payment that will be made by that company

  32. Third Party Property Damage: It is damage to the property of the third party by using an insured vehicle. Property can be anything holding any value. The limit for such damage is 7,50,000 for four wheelers and 1,00,000 for two wheelers.

  33. Total Loss: The complete loss or destruction of the motor vehicle insured under the policy.

  34. Total Theft Claims: It is claim for the vehicles which are stolen.

  35. Zero Depreciation: It is an additional cover under which, if opted for then the insured won’t be charged the cost of depreciation on parts which otherwise would get deducted from the final claim amount and required to be borne by the insured himself. Although it is applicable only for partial loss claims.