Policy snapshot
The legally mandatory motor insurance for bikes and scooters that covers liability towards third parties.
What is Third-Party Two-Wheeler Insurance?
Third-Party Two-Wheeler Insurance offers basic liability protection for bodily injury, death or property damage to third parties.
What can it cover?
- Third-party bodily injury or death
- Third-party property damage as per limits
Who should consider it?
- All bike and scooter owners (minimum legal requirement)
Key features to understand
- Low premium
- Complies with motor law
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
No, it does not cover own damage.