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Home / Two Wheeler Insurance / Two Wheeler Insurance Premium Calculator

Two Wheeler Insurance Premium Calculator

Bike insurance premium calculator is an online tool that allows a policyholder to calculate two wheeler insurance premium simply by adding few details of the vehicle such as make, model/variant, vehicle registration number, RTO location and two wheeler’s purchase year. Calculating premium before purchase of a two wheeler policy will give you a fair idea of policy quotes from different insurer and thus helps in making right purchase decision.

Importance Of Using Bike Insurance Calculator

Before buying a bike insurance policy it is very important to compare two wheeler insurance plans and check the premium amount that you will be paying against the policy. Below are few reason that will make you understand why it is important to use bike insurance calculator.

• Helps you to reduce bike insurance premium before you purchase.

• Aid you to make sound decision for your two wheeler insurance policy.

• Save your money and is cost effective

• Protects you from any online/offline fraud.

Benefits Of Bike Insurance Calculator

Select perfect premium plan that suits your budget

Select perfect premium plan that suits your budget

Pick the right combination of Add-on covers

Pick the right combination of Add-on covers

No Agent required

No Agent required

Factors Affecting Your Two Wheeler Insurance Premium

1
Type of Insurance Policy
Every insurance company offers two types of insurance policy for two-wheelers. The third-party bike insurance is the bare minimum policy which is mandatory by the Indian law and covers only third-party damage. The comprehensive bike insurance provides all round protection and provides coverage against theft, natural and man-made mishaps, and accidents along with third-party damage. Considering the benefits it offers, the premium for a comprehensive cover will be more as compared to the premium for third-party cover.
2
Type and condition of two-wheeler
Different bikes have different specifications and therefore, the cost of insuring them is also different. A bike engine’s cubic capacity is the deciding component that affects the insurance premium. Higher the cubic capacity, higher will be the insurance premium. In addition, the age of the vehicle, type of bike model and class of the vehicle, place of registration, fuel type, and the number of miles covered also affect the premium price.
3
Bike’s market value
The current price or market value of the bike also affects the insurance premium. The market value of the bike depends upon its brand and functionality. If the vehicle is old, the premium is decided based on the condition of the vehicle as well as its resale value.
4
Add-on covers
Add-on covers can help in increasing the coverage, but the more the number of add-ons, the higher will be the premium. Therefore, choose only those covers that you deem necessary.
5
Modifications done on bike
Many people love adding accessories to their bikes in order to improve its aesthetics and performance. However, these modifications are usually not covered under the standard insurance policy and you might need to purchase an add-on cover for these modifications. However, adding these modifications under your insurance policy can increase the premium amount.

How To Use A Bike Insurance Premium Calculator?

Calculating a bike insurance premium is quite easy. Once you land on the bike insurance premium calculator page, mention mandatory details of your two wheeler and insurance product type (comprehensive/liability) Take a look at the below steps to understand and calculate bike insurance premium.

• Fill in the details of your two wheeler insurance such as make & model

• Enter ex-showroom price, city and purchase year of the vehicle

• Select and submit the details of any past year claim made of your bike will be displayed

• IDV in bike insurance and Premium quote of your two wheeler will be shown

• Select the plan ( Comprehensive/Third Party ) as per your requirement

• Select Add-on covers for your bike insurance

How To Reduce Two Wheeler Insurance Premium

• Buy two wheeler insurance online

• Install AAI- Anti-theft device

• Opt for Long term two wheeler insurance policy

• Add on covers opted

• Avoid small claims

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Frequently Asked Questions


How to calculate the bike insurance premium in India?

There’s lot of factors on which premium of a bike insurance is depended upon. Some of them are insurance type of bike plan (Comprehensive or Third Party car insurance), make, model and variant of the bike, RTO location, Bike registration city, etc. You can simply calculate your bike insurance premium by adding these details.

How to calculate insurance premium on second-hand motorbike?

Like a new bike, the insurance premium of a second-hand bike also depends on a number of factors like the make, model and variant of the bike, the type of plan chosen, bike registration city, etc. However, in case of a second-hand bike, the insurance premium is relatively higher as the premium amount also depends on the age of the bike.

How do I receive the insurance policy document after making the premium payment online?

Once you make the payment for the opted two-wheeler insurance plan, the policy document will be sent via email.

What are the advantages of using a bike insurance premium calculator?

The advantages of using a bike insurance premium calculator are as follows:
• The whole process of insurance buying online is made simpler and convenient for the policy proposers.
• It helps in drawing comparison between different premium rates and thereafter choosing the optimum insurance plan based upon your requirements and budget.
• Now, you are no longer required to make decisions in haste and get manipulated at the hands of some insurance agents.

How To Use Bike Insurance Premium Calculator For Old And New Bikes

To calculate premium for old /new bike you have to provide details such as date of registration, manufacturer, model, registration city, sum insured (value of the vehicle), product type (comprehensive/liability), add on covers. You can simply click on “Calculate Used Bike Insurance Premium” and generate quotes instantly.

How To Calculate Two Wheeler Insurance Renewal Premium

Bike insurance renewal is important to continue enjoying the coverage and benefits. It’s advisable to renew your policy as it nears expiry date. You can simply click on “Calculate Renewal bike Insurance Premium”and generate quotes instantly for renewing your existing bike insurance policy.

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