Policy snapshot
A full protection insurance policy for bikes and scooters covering own damage and third party liability.
What is Comprehensive Two-Wheeler Insurance?
Comprehensive Two Wheeler Insurance provides both own damage cover and mandatory third party liability cover for a bike or scooter.
What can it cover?
- Third party liability for injury, death or property damage
- Own damage due to accident, fire and covered events
- Theft or total loss of the vehicle
- Damage due to natural calamities and specified man made risks
Who should consider it?
- Daily commuters using a two wheeler
- Owners of new or high value bikes and scooters
Key features to understand
- Combined protection for vehicle and liability
- Multi year policy options in many plans
- No claim bonus for claim free periods
- Cashless repairs at network garages
What deserves attention before you buy?
Coverage, exclusions, sub-limits, deductibles, waiting periods, warranties and underwriting can vary between insurers and policy versions. The policy wording and schedule remain the definitive contract. Novo can help you review the relevant terms for your requirement.
Read the wording, not just the brochure
The schedule and policy wording determine the actual contract.
Compare meaningful differences
Look at exclusions, limits, deductibles, conditions and claim requirements—not premium alone.
Think beyond purchase
Servicing and claims-related support can matter as much as placement.
Frequently asked questions
Yes, it offers convenience, helps avoid missed renewals and can provide better value overall.
There is no coverage after expiry. Inspection may be needed before issuing a new policy if there is a break.