Two Wheeler Insurance

Two wheelers are the closest a man has come to surfing on the roads Having said that, two wheelers also carry greater risks of mishaps simply because they are lighter than cars more exposed and tends to be treated like flying dragons. There is always that helmet, but you and your beloved bike need more than that. You need a bubble around you to keep you safe. Let's call this bubble, Tata AIG General Insurance Company Limited (Tata AIG) two wheeler insurance Policy. There are many studies that have proven that two-wheelers are more prone to accidents, but what makes it more worrisome is the fact that many teenagers ride them too and sometimes not-so-responsibly. And that makes two wheeler insurance, a necessity. Not only to yourself and to the bike, this poses an increased threat to the 3rd party too; and hence, the legally mandated 2 wheeler third party insurance. Tata AIG has made navigating through your bike insurance needs, supremely easy online. Whether it is buying two wheeler insurance online, your annual two wheeler insurance renewal or a hunt for a third party insurance online for two wheelers, we have got you covered. With one of the most transparent and comprehensive two wheeler insurance online, we also provide you with a bike insurance calculator for you to check the two wheeler third party insurance rates or comprehensive cover rates, before you zero down on what you need.

Advantages Of TATA AIG Insurance

We are from House of Tata and legacy of trust and customer-centricity precedes us
Our processes are transparent, quick and easy to understand
We have no hidden conditions or illegible fine print
Our depreciation slabs are pre-declared

What's Covered In Tata AIG Two Wheeler Insurance

Comprehensive Cover
While there are many products available in the market for two wheeler insurance, it is imperative that one looks at not only the policy features, benefits but should also look at other factors such as company's claim paying capability, service, claim settlement ratio and brand etc.

One of the leading two wheeler insurance providers in the market is Tata AIG and it offers two wheeler insurance with a comprehensive package policy for two wheelers.

Tata group has a brand heritage and legacy in India and is known for its values and business ethics. Tata Sons partnered with American International Group (AIG), one of the leading global insurance companies in the world and has been providing wide range of insurance products to its customers.

Loss of or Damage to the vehicle Insured
Tata AIG two wheeler insurance policy also covers any damage that may occur to your two wheeler, due to any or one of the following reasons:

Natural disasters like cyclones, earthquakes etc.
Terrorist activity/ malicious act
External accident
By fire explosion: self-ignition/lightning
Whilst in transit on the road, rail, waterway, lift or air

Liability to Third Parties
This is a mandatory policy as per Motor Vehicle Act. It covers the damages against property, bodily injury and death to a third party due to an accident caused by your two-wheeler and Damage to the property belonging to the third party.

Personal Accident Cover for Owner-Driver
God forbid if you get hurt. In case of a bodily harm to the insured in the process of getting on or off from the insured two wheeler or while riding as a co-driver or whilst driving etc.
Death
Loss of limbs or eye-sight
Permanent disablement

Add Ons For A Unique Plan And Extra Protection

Depreciation Allowance
A way around depreciation, at last Under this cover we shall pay you the amount of depreciation deducted on the value of replaced parts under own damage claim. Only the first two claims can avail this benefit.

Return to Invoice
In case an accident leaves you with a two wheeler that is total loss or constructive total loss or in case of theft; under this cover, we shall reimburse to you the difference between the amount you receive and the invoice value of the car.

Consumable Expenses
We will cover cost of consumables required to be replaced/replenished arising from an accident to the insured two wheeler. Consumable for the purpose of this cover shall include engine oil, gear box oil, lubricants, nut & bolt, screw, distilled water, grease, oil filter, bearings, washers, clip, break oil and items of similar nature excluding fuel

Emergency Medical Expenses
In the unfortunate event of an accident, we will reimburse emergency medical expenses incurred for the treatment of bodily injury/ies sustained by you/driver/occupant in a Hospital / Nursing Home and reasonable Ambulance charges for shifting injured from the site of accident to the hospital/ nursing home along with cost of supporting items such as crutches, wheelchair, artificial limbs etc.

Additional Personal Accident Cover to Owner Driver
Owing to the additional risk of accidents when it comes to two-wheelers, our two wheeler insurance policy has been designed to provide additional personal accident cover for the registered owner of the vehicle, if opted for.

Additional Third-Party Property Damage Cover
Do you think you might need an additional third-party cover? We will not judge you. It provides additional protection against third party property damage which is over and above what is covered under the Policy.

Additional Personal Accident Cover to Unnamed Persons
Are you worried about unnamed pillion/driver/sidecar passenger in direct association with the insured vehicle? This add-on shall provide that much extra cover for them as well. In the unfortunate event of an accident resulting into death and injury to any person driving the insured vehicle or travelling as occupant, they will get protection for an additional amount in addition to coverage provided under the policy.

Add-on covers can only be purchased with base product and on payment of additional premium.