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INSURANCE · RISK · ADVISORY

Bike Insurance.

Protection structured around real-world risk.

Explore two-wheeler insurance options with a clearer view of third-party liability, own-damage cover and available add-ons.

Thoughtful advice. Clear options. Support through the policy journey.
Two-wheeler motorcycle and scooter protectionGITVISHA · RISK ADVISORY
Risk, understood.Start with what matters
Cover that fitsSubject to policy terms
CRITICAL VULNERABILITIES & EXPOSURES

Real-world risks this policy is engineered to solve.

Commercial and personal risks rarely follow idealized assumptions. These are the critical financial pitfalls, claim traps, and operational vulnerabilities that proper policy structuring actively mitigates.

High-Impact Vulnerability01

Severe Road Accidents & Personal Disability

Two-wheeler skidding on slick asphalt or collision with heavy transport causing rider fractures or disability.

Impact: Expensive surgical treatment, hospitalization, and temporary or permanent loss of earning capacity.
Policy Solution: Compulsory and Enhanced Personal Accident (PA) cover with rider accidental medical expense benefits.
High-Impact Vulnerability02

Two-Wheeler Vehicle Theft & Non-Recovery

Motorcycles or scooters stolen from public parking lots, residential streets, or commercial markets.

Impact: Complete loss of daily commuter mobility and sudden capital replacement expenditure.
Policy Solution: Comprehensive Theft cover with rapid claim processing upon police untraced report submission.
High-Impact Vulnerability03

Fiber & Plastic Fairing Replacement Costs

Even minor parking falls cracking side cowls, visor glasses, mirrors, and indicator assemblies.

Impact: High replacement cost for branded OEM fiber fairings subjected to steep standard policy depreciation.
Policy Solution: Zero-Depreciation coverage for motorcycles and scooters ensuring full parts reimbursement.
UNDERSTAND YOUR OPTIONS

Protection begins with the right questions.

These are discussion points, not a promise that every risk is covered. Final cover depends on policy wording and insurer acceptance.

01

Third-party liability as required by law

Third-party liability as required by law

02

Own-damage cover when selected

Own-damage cover when selected

03

Optional add-ons subject to vehicle and

Optional add-ons subject to vehicle and insurer eligibility

WHO IT MAY SUIT

Built around your real-world exposure.

The right structure starts with understanding your assets, operations, people and contractual responsibilities.

Private car owners
Two-wheeler owners
Businesses operating commercial vehicles or fleets
BEFORE YOU CHOOSE

Details that make a difference.

Compare more than price. Review limits, deductibles, exclusions and policy conditions.

01

Vehicle registration, make, model and year

02

Existing policy and claims history

03

IDV, deductibles and add-ons

GOOD TO KNOW

Questions, answered.

Need more clarity? Send us your requirement and our team can help explore the next step.

Ask our team
Can I enquire about bike insurance separately?

Yes. Mention your two-wheeler details in the enquiry.

Third-party vs own-damage?

Third-party addresses specified legal liability; own-damage covers the insured vehicle against covered damage.

LET’S TALK ABOUT YOUR RISK

Make your next decision with more clarity.

Tell us about your requirement. Your email application will open with the enquiry ready to send.

A conversation focused on your needs
Options subject to underwriting
Clear next steps, without pressure
Official brochure available for offline reference

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