Physical damage coverage is included in two-wheeler insurance policies


The Motor Vehicles Act of 1988 makes motorbike insurance compulsory in India. You won’t have to worry about your bike being stolen or damaged if you have two-wheeler insurance in your name.

There are two types of policies offered by all insurance companies:

  • Bicycle insurance with a third party
  • Full bike insurance

Physical damage coverage is a kind of bicycle insurance policy that protects you financially in the event of a bicycle accident. It is important to note that the purchase of a bodily injury insurance policy is not required by law. Purchasing this cover for your bike, on the other hand, will ensure that you suffer the least amount of financial loss in the event of damage. As a result, many bicycle owners opt for physical damage protection.

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It’s not easy to drive a two-wheeler. You must be able to focus on multiple tasks at the same time. You need to keep your bike balanced while concentrating on the road and obeying the rules of the road. Failure to follow any of them could result in an accident, resulting in bodily injury and damage to your bike. This is why purchasing a personal injury insurance policy is advantageous.

How can I benefit from bodily injury cover?

Bicycle Physical Damage insurance reduces your financial liability in the event of a bicycle accident. Personal injury insurance can cover a variety of things.

A comprehensive bicycle insurance policy offers a wide range of coverage, including third party liability and personal damage coverage. The best part of a comprehensive policy is that you can customize it with additional coverage and add-ons. Liabilities are the costs of reimbursing a third party for the damage you have caused. Personal injury, death and property damage are examples of such damage.

  • Own damage policy by itself

When you choose a long-term liability plan and want to purchase separate protection against your own damage, that plan comes into play. Coverage for a stand-alone policy is similar to that for a property damage policy. In the following sections we will look at this in more detail.

What does the bicycle insurance policy cover against physical damage?


Coverages are cases in which the insurance company will cover the cost of repairs if the terms and conditions of the policy are met.

Personal accident: This is an optional add-on that must be purchased in addition to a bicycle insurance policy. It covers the runner’s bodily injury. Compensation is also available in the event of death or disability.

Accidental damage to your insured bicycle: coverage for the repair of damage caused to your insured bicycle in the event of an accident.

Flight: In the event of proven bike theft, compensation up to the insured declared value (IDV) is available. Natural and man-made disasters Floods, earthquakes, vandalism, riots and other natural and man-made calamities are covered.

Total loss : The total loss of the vehicle is covered. If the cost to repair your bike exceeds 75% of the IDV, it is considered a total loss.

Fire: Protection against damage to the bicycle caused by fire or explosion.


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