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The policy covers you against any loss or damage caused to the vehicle due to the following natural and man-made calamities
Fire, explosion, self-ignition or lightning, earthquakes, floods, typhoon, hurricane, storms, tempest, inundation, cyclones, hailstorm, frost, landslides or rockslides
Riot, strike, malicious act, accident by external means, terrorist activity and other violent activities
Burglary, theft, any damage in transit by road, rail, inland waterway, lift, elevator or air
Unlimited liability coverage, i.e. whatever the court awards as your liability to the third-party vehicle owner due to accidental death or injuries caused by your vehicle, will be met by the insurer
In case your vehicle causes third-party property damage, the insurer will offer compensation up to Rs. 100,000/- for two-wheelers
Accidental loss or damage to the insured or any person driving with the knowledge and consent of the insured under the influence of intoxicating liquor or drugs or wilful negligence
Loss or liability while the vehicle is used outside the scope of limitations of use and/or being driven by a person not duly licensed
Loss connected to nuclear or radioactivity or war and related activities is not covered under this policy
Consequential loss, depreciation, wear & tear, mechanical and electrical breakdown/failure or breakages will not be covered by the Shriram Two-Wheeler Insurance
The pillion rider is not covered under a comprehensive two-wheeler policy, but you can get Pillion Cover by paying an additional premium. The Sum Insured can range from Rs. 10000/- to Rs. 200000/- (in multiples of 10000 only)
A Third-Party two-wheeler insurance policy protects the insured from legal liability, including death/bodily injury to a third party or damage to their property
A comprehensive two-wheeler insurance policy in India covers various risks such as accidental damage, theft, natural disasters like floods, earthquakes, storms, and man-made disasters like riots, strikes, etc. It also covers third-party liability for bodily injury, death, and property damage caused by the insured vehicle.
Yes, bike damage is typically covered by insurance, provided it is caused by a covered peril such as an accident, theft, or natural calamities.
There are three types of bike insurance in India : third-party liability, comprehensive coverage, and own damage coverage.
Comprehensive motorcycle insurance plans exclude coverage for the engine of the vehicle, so if an unfortunate mishap occurs, you will be faced with unexpected expenses. An engine protection cover for bikes will protect you if you incur repair/replacement costs due to lubricant leakage, water intrusion or hydrostatic lock.
The purpose of own damage coverage is to cover any losses sustained by the insured bike due to unforeseen events, such as accidents, earthquakes, theft, riots, fire, etc.
Personal accident insurance for two-wheelers provides compensation for accidents and deaths to the vehicle owner or dependents.
A deductible refers to the fixed amount of money that you must pay out of pocket for each claim before your insurance provider covers the remaining expenses.
Comprehensive coverage typically includes damages caused by accidents, natural disasters, theft, fire, riots, and third-party liability.
Your insurance policy is up for renewal.
Please renew your Insurance now for trouble-free driving.
Contact Shriram Support
IRDAI Consumer Education:- Insurance is the subject matter of solicitation. IRDAI Registration Number - 137. CIN No. U66010RJ2006PLC029979. BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.
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