Comprehensive Bike Insurance

At Tata AIG, we offer you a wide selection of bike insurance plans, including a third-party bike insurance cover, a standalone own damage cover, and a comprehensive bike insurance policy. If you already have either of the aforementioned first two covers, you can easily upgrade to a comprehensive bike insurance policy during your bike insurance renewal.

And, if you are a new customer, you can directly buy a comprehensive two-wheeler insurance policy for an all-round coverage for you, your bike and any third-party claims.

In addition to financially protecting your bike against thefts and damages, our comprehensive bike insurance offers you several other benefits, including a Personal Accident cover for yourself, adequate coverage against third-party claims, and a choice of useful add-on features, such as Zero Depreciation Cover and Roadside Assistance under specific circumstances.

Looking for an adequate comprehensive two wheeler insurance policy?
Here are some quick numbers that reflect why a Tata AIG bike insurance policy is the right choice for you.

• 3000+ Network Garages Across the Country
• 8 Unique Add-ons, Including Zero Depreciation Cover
• 650 Claim Experts that Offer You Quick and Easy Claim Settlements
• 98.62% Claim Settlement Ratio for FY 2020-21
• 65% Savings on Bike Insurance Premiums with Online Purchase
• 3-Step Process to Purchase and Renew Bike Insurance Online

A comprehensive bike insurance policy is an insurance policy that provides extensive protection to your bike against a wide variety of damages, including accidental damages, damages caused by fire, theft, or a total loss event, and damages sustained in the wake of natural disasters such as earthquakes and floods or man-made disasters such as riots and acts of terrorism.

In addition to the aforementioned coverage, a comprehensive motorcycle insurance policy also provides you financial protection against third-party liabilities, including any injuries sustained by a third-party person and any damages caused to a third-party’s bike due to an accident involving the insured bike. The third-party liability cover also encompasses the death of a third party due to the insured bike and the legal obligations thereof.

The benefits of a comprehensive bike insurance policy are not restricted to providing protection to your bike; it also offers you a Personal Accident Cover to the tune of ₹15 lakhs which covers medical expenses for injuries or and death caused by an accident involving the insured bike.

You can enhance the coverage of your comprehensive motorcycle insurance policy by choosing from our excellent range of bike insurance add-ons. The aforementioned add-on features enable you to add specific layers of protection to your comprehensive bike insurance policy.

At Tata AIG, we offer 8 bike insurance add-ons, including Depreciation Allowance, Return-to-Invoice Cover, and Emergency Medical Expenses. By choosing the required add-on features, you can ensure 360-degree protection for your bike. Since each bike insurance add-on carries a cost, you must select the add-ons whilst keeping your bike insurance requirements and budget in mind.

Once you have understood what a comprehensive motorcycle insurance policy is, you must comprehend the significance of getting a quote for bike insurance before purchasing an online bike insurance policy. With our online two-wheeler insurance calculator, you can get a quote for your bike insurance policy that is in alignment with your insurance budget and provides adequate coverage to your bike.

The Tata AIG comprehensive bike insurance policy has several important features, some of which have been discussed below.

Covers the third-party liabilities resulting from an accident you caused

Purchasing a comprehensive bike insurance policy enables you to file claims for third-party liabilities consequent from an accident involving your bike. Covering the damages sustained by a third-party bike, the injuries sustained by a third-party person, and the associated legal liabilities, our comprehensive bike insurance policy comprises a simple and quick online claim filing and settlement process.

Pays for the damages sustained by your bike

Our comprehensive bike insurance coverage provides you financial assistance for the damages sustained by your bike during an accident, fire, theft, and natural or man-made disaster. You just have to follow our hassle-free claims process and receive adequate compensation for the aforementioned damages. It is advisable to purchase online bike insurance since it is convenient to file and track a bike insurance claim online.

• Offers a Personal Accident Cover to the bike’s owner-driver
  
  The Tata AIG comprehensive bike insurance policy encompasses a Personal Accident Cover for the owner or driver of the insured bike. With a cover of ₹15 lakhs that includes the medical expenses borne by the bike’s owner or driver owing to the injuries sustained during a bike accident, the aforementioned policy is akin to a safety net in the aftermath of an accident. Furthermore, in the unfortunate event of your passing due to an accident involving the insured bike, your family is eligible to claim a death benefit under this policy.

• Enables you to have complete peace of mind
  
  It is legally mandatory to have at least third-party bike insurance in India. However, it is advisable to purchase comprehensive bike insurance in India, particularly because of the high rate of road accidents in the country and the associated mortality rates. If you buy our comprehensive bike insurance policy, you can have complete peace of mind about the legal insurance compliance for your bike as well as its financial protection.

There are several benefits of a comprehensive bike insurance policy, including the following.

Highest level of protection

If you choose a comprehensive insurance policy, you receive financial protection for yourself, your bike, and any affected third party. The aforementioned two wheeler insurance policy covers various damages caused to your bike, including a total loss of the bike owing to theft, fire, or an accident.

Covers liabilities

The bike insurance benefits offered by our comprehensive bike insurance policy include coverage for the legal and financial obligations resulting from third-party claims, such as the damages caused to a third-party vehicle and the injuries sustained by a third-party person during an accident involving the insured bike. The aforementioned coverage also includes the financial liabilities arising out of the death of a third party in the said accident.

Own-Damage cover

The Tata AIG comprehensive bike insurance policy covers the damages caused to the insured bike in the wake of natural calamities, including floods and earthquakes, and man-made events, such as riots and strikes. Furthermore, you also get financial protection against damages to your bike resulting from theft or fire as well as the total loss of your bike. The aforementioned bike insurance benefits are part of the own-damage facet of our comprehensive insurance policy.

Single Premium

If you buy our bike insurance policy, you receive multiple benefits, including a third-party cover and an own-damage cover for your bike, upon the payment of a single premium. Therefore, our comprehensive bike insurance policy offers you extensive protection for your bike and a hassle-free mode of premium payment.

Add-ons and NCB

Purchasing the Tata AIG comprehensive two wheeler insurance policy enables you to choose from a list of 8 excellent add-on features to enhance the coverage of the said policy. Our add-on covers have been designed to address specific requirements pertaining to a bike, including the provision of roadside assistance, the reimbursement of consumable expenses for your bike in the event of an accident, and the benefit of a zero depreciation cover.

Furthermore, the ‘No Claim Bonus’ clause of our comprehensive insurance policy makes you eligible for a discount on your bike insurance renewal in the event of no claims in the preceding year.

Our comprehensive bike insurance policy has been designed keeping in mind the bike insurance requirements and expectations of a diverse set of individuals which includes the following categories of people.

New Bike Owners

If you are a new bike owner, your search for an adequate bike insurance policy should stop at Tata AIG. With our affordable comprehensive bike insurance policy, you can be assured of a feasible new bike insurance price and extensive protective coverage for your bike. You can assess and buy bike insurance on our website by following a simple 3-step process.

Someone Who Lives in the Big Bustling City

The bigger the city you live in, the higher is the volume of traffic and the corresponding chances of road accidents. Therefore, if you live in a big city, it is advisable to purchase our comprehensive bike insurance policy and financially safeguard yourself, your bike, and any affected third party against adverse events on the road.

Fancy Bike Owners

It is a myth that protecting a fancy high-end bike is incredibly difficult. By opting for an adequate bike insurance policy and coverage, you can ensure that your treasured riding companion is financially secured against any potential perils on the road. You can customise your comprehensive bike insurance policy with the selection of the required add-on features. Comprehensive bike insurance with Zero Depreciation Cover, in particular, is a highly beneficial policy for a fancy bike since it enables you to claim the entire repair or replacement cost of your bike’s components in the event of an accident or total loss event.

Overprotective Bike Parent

If you are overprotective about your bike and cannot tolerate even the most benign of damages to your bike, the Tata AIG comprehensive two wheeler insurance policy has got you covered. We are committed to assisting you with the management of the most minuscule damage to your bike.

Clumsy Drivers

Some of us are clumsy drivers and inadvertently tend to be involved in mishaps on the road. However, with the Tata AIG comprehensive bike insurance policy, you can ensure complete financial protection for yourself during such circumstances.

Road Trip Enthusiasts

If you are a road trip enthusiast, it is pivotal to keep your bike in prime shape at all times, particularly before and during the course of a trip. By purchasing our comprehensive bike insurance policy, you can enjoy financially secured road trips on your bike. With the option to customise the coverage of your bike insurance policy, you can ensure that the insurance premium of your bike remains within your budget, albeit without compromising on the protection of your bike.

Here are some of the major reasons why you need a Tata AIG comprehensive bike insurance policy.

Offers on Premium

By selecting the Tata AIG comprehensive bike insurance policy, you can benefit from substantial discounts, of up to 75% on the premiums if you buy the two wheeler insurance policy online. Therefore, you can protect your bike without putting a heavy strain on your finances.

Extensive network of cashless garages

With our 3000+ network garages spread across the length and breadth of the country, you can easily access cashless repairs for your bike. Therefore, the Tata AIG comprehensive bike insurance policy has got you and your bike covered.

On-the-spot 24x7 repair service

By adding our Roadside Assistance cover to your bike insurance policy, you can ensure that you are not stranded without help in the event of your bike breaking down on the road. Our on-spot repair and towing services are just a call away. You can reach out to us at 1800 266 7780 and we will be there to assist you at the earliest.

Number of happy customers

At Tata AIG, we are dedicated to ensuring that our services leave our customers happy and content. With a 5-crore strong customer base, our focus is on quality service delivery in a timely and cost-efficient manner. We take the meaning of comprehensive in bike insurance seriously and are committed to ensuring customer satisfaction.

Simple claim intimation process

Our claim intimation process has been designed to enable you to file your comprehensive two wheeler insurance claims in a hassle-free manner. With our online claim filing and tracking facility, you can be assured of a simple and quick claims filing and settlement process.

Claim settlement ratio

Our claim settlement ratio of 98.62% in FY 2020-21 speaks volumes about our commitment to serve our customers and settle their two wheeler insurance claims in a time-efficient manner. By choosing a Tata AIG comprehensive bike insurance policy, you get several significant benefits and our streamlined claims process is certainly a major highlight of said benefits. You can seek the help of our 24X7 support team and be assured of our support through every step of the claims process.

In order to determine whether you should opt for comprehensive or third party bike insurance for your two wheeler, it is important to compare the aforementioned policies. Here is a succinct comparison between comprehensive bike insurance and third party bike insurance. For an in-depth understanding, check our resource on compare bike insurance.

Have you ever found yourself wondering what is included in your bike insurance policy and what is excluded from it?

Here is a list of the key inclusions and exclusions of our offline as well as online bike insurance.
The inclusions in Tata AIG bike insurance

The Tata AIG comprehensive bike insurance policy provides extensive coverage against the following damages.

The theft of the bike

If your bike gets stolen or sustains severe and irreparable damage in an accident, it is considered a total loss event which entitles you to claim the ‘Insured Declared Value’ of the bike mentioned in your bike insurance policy. The aforementioned value is sometimes also referred to as the market value of your bike.

Accidental damage to the bike

In the event of your bike sustaining accidental damages, major and minor alike, our comprehensive bike insurance policy or our standalone own-damage bike insurance policy will cover the financial losses borne by you for repairs or replacements.

Damages resulting from natural disasters

By choosing our comprehensive bike insurance policy or standalone own-damage insurance for your two wheeler, you can ensure financial security for your bike against natural disasters, including earthquakes, floods, and cyclones.

Damages caused by fire and man-made causes

The Tata AIG comprehensive bike insurance policy and the standalone own-damage bike insurance policy provide you adequate financial protection against fire resulting from explosions, lightning, self-ignitions, etc. Furthermore, both the aforementioned policies include coverage for damages caused to your bike in the wake of man-made disasters, such as riots, acts of terrorism, and strikes.

Third-party liability

With our standalone third-party bike insurance policy as well as our comprehensive bike insurance cover, you can be financially safeguarded against any damages sustained by a third-party property or person in an accident involving your bike. The third-party liability clause includes the death of the affected third party and the legal and financial obligations associated thereto.

Personal Accident Coverage for the Owner-Driver

Our comprehensive bike insurance policy provides the owner-driver of the insured bike a personal accident cover to the tune of ₹15 lakhs. The aforementioned cover encompasses the medical expenses borne to treat the injuries sustained by the owner-driver in a bike accident. If the owner-driver passes away due to said accident, their beneficiary is entitled to receive the death benefit under this clause.

A range of add-ons for extensive coverage

With our 8 excellent bike insurance add-ons, you can protect your bike against specific damages and enhance the coverage of your comprehensive motorcycle insurance policy. If you choose to purchase bike insurance online, you can use our two wheeler insurance premium calculator to ascertain what should be included in your bike insurance policy.

The exclusions from Tata AIG bike insurance

Although our comprehensive bike insurance policy provides extensive coverage for your bike, there are some damages that are excluded from said coverage. Here are the exclusions from our comprehensive bike insurance policy.

• The damages resulting from the owner-driver riding the insured bike without a helmet and a valid driving license
• If the bike is used and damaged outside the geographical jurisdiction of the policy, that is, outside India
• The damages caused by driving under the influence of alcohol or drugs
• Driving a bike in restricted areas, for instance, a flood-prone region
• Using a private vehicle for commercial reasons
• The damages caused owing to war or equivalent circumstances in the country
• Ordinary wear and tear to the bike caused by usage and depreciation
• The damages sustained by the bike during speed racing, adventure sports, etc.
• Any damages resulting from the bike owner’s negligence
• Absence of an add-on feature that covers a specific damage
• The damages caused by breaking and entering and burglary if the bike does not get stolen
• The costs borne during the general maintenance of the bike

The Tata AIG comprehensive bike insurance policy offers you the choice to add excellent add-on features which have been discussed below.

• Zero depreciation

By including the add-on feature of zero depreciation in your bike insurance policy, you can ensure that the depreciation accumulated on the components of your bike does not get deducted from the sum assured when you file your bike insurance claim. The aforementioned clause is applicable only on the first two bike insurance claims filed by you. You can include the zero depreciation add-on to the Tata AIG comprehensive bike insurance policy as well as the standalone OD bike insurance policy.

• Return-to-Invoice Cover

The return-to-invoice comprehensive bike insurance add-on enables you to claim the invoice cost of your bike if it gets stolen or entirely damaged. In the event of theft or a constructive total loss of the bike, you are entitled to receive the ‘Insured Declared Value’ of the bike. With the aforementioned add-on, Tata AIG promises to pay you the purchase price of your bike, including the road tax and the registration charges, under the circumstances mentioned above.

• Emergency Medical Expenses

If you include the emergency medical expenses add-on in your comprehensive bike insurance policy, we will reimburse the medical expenses and transportation costs resulting from the damages caused in an accident. If you and/or the pillion rider on the insured bike get injured in an accident, this add-on will entitle you to claim the cost of hospitalisation and ambulance transport.

• Additional Personal Accident Cover for the owner-driver

Since road accidents are a major cause of fatalities in India, it is advisable to include the additional personal accident cover for the owner-driver in your comprehensive bike insurance policy in India. If your Tata AIG policy has the aforementioned add-on, we shall provide your family a predetermined sum in the event of an accident leading to your demise; this amount will be an additional payment and will not affect the sum assured under the policy that will, in turn, be paid out as death benefit.

• Additional Third-Party Damage Cover

The additional third-party damage cover enhances your financial security against third-party damages and legal liabilities thereof. Although our standalone third-party bike insurance policy and our comprehensive bike insurance policy already provide third-party liability coverage, this add-on increases the extent of said coverage.

• Consumables Expenses

If your bike meets with an accident, several consumables may be damaged, including screws, nuts/bolts, bearings, engine oil, gearbox oil, grease, and brake oil. With the consumables expenses add-on, you can enhance the coverage of your Tata AIG comprehensive bike insurance policy and receive reimbursements for the cost of replacing, repairing, or replenishing the bike consumables mentioned in the add-on. However, the cost of the bike fuel loss in an accident is not covered under this add-on.

• Roadside Assistance

Whilst buying your comprehensive bike insurance policy online, remember to assess and include the roadside assistance add-on to the policy. With the aforementioned add-on, you need not worry about being stranded on the road in the wake of a breakdown of your bike. Our roadside assistance is a call away; you can reach out to us at 1800 266 7780 and our team will be happy to assist you with the towing, repair, fuel replacement, battery repair or replacement, and other necessary on-spot repairs.

The Tata AIG comprehensive two wheeler insurance policy offers extensive coverage to you, your bike, and any affected third party. You can enhance the aforementioned coverage with the selection of suitable add-ons from our range of bike insurance add-ons. However, each add-on carries an additional cost that leads to a rise in your bike insurance premium.

In order to help you reduce the insurance premium of your bike on policy renewal, most insurance companies for bikes, including Tata AIG, offer the ‘No Claim Bonus’ or NCB for your comprehensive bike insurance as an important discount on the premium of policies. You can avail of the ‘No Claim Bonus’ or NCB and receive a discount on the insurance premium of your bike if you have not filed any claims for damages during the preceding year.

Therefore, whilst renewing your Tata AIG comprehensive bike insurance policy, the NCB clause enables you to benefit from a lower premium on your new policy. At Tata AIG, we offer an NCB discount of 20% on your bike insurance policy premium after the first claim-free year. With the passage of each subsequent claim-free year, the NCB discount per cent rises. However, if you file a claim in a particular year, your NCB discount becomes null and void for the upcoming policy renewal.

After five consecutive claim-free years on your comprehensive bike insurance policy, you become eligible for a 50% discount on the insurance premium of your bike from the fifth year onwards. However, if you subsequently file a claim, the NCB for that year goes back to zero. The below table paints a clear picture of the NCB discount that you can claim after each claim-free year.

The bike insurance premium of a comprehensive bike insurance policy is determined by computing the following elements.

• The ‘Insured Declared Value’ of the bike

The ‘Insured Declared Value’ (IDV) of your bike is the maximum sum that your insurance provider can pay you in the event of the total loss of your bike, including irreparable damage and thefts. Your bike’s IDV is calculated by adding its price with the cost of the relevant accessories. You can compute your bike’s IDV by deducting the depreciation accumulated on it and its accessories from the aforementioned price.

• ‘No Claim Bonus’ (NCB) and other discounts

The NCB table in the preceding section sheds light on the computation of the accurate NCB discount on your comprehensive bike insurance premium. By using the aforementioned table, you can determine the NCB discount that should be taken into account while computing your new bike insurance premium along with any other discounts offered by your insurance provider. It is important to remember that the NCB discount is only applicable on the own damage component of your bike insurance premium.

• The third-party cover

The third-party bike insurance cover of your Tata AIG policy is determined on the basis of the bike’s engine cubic capacity and in accordance with the annual insurance premium rates declared by the Insurance Regulatory and Development Authority of India (IRDAI). Therefore, you must check the prevailing rates to ascertain your bike third-party insurance cover.

• The premium of add-ons

Each add-on that you include to your comprehensive bike insurance policy has a bearing on the overall bike insurance premium. Therefore, you must ascertain the cost of each add-on or the aggregate cost of all the selected add-ons.

Tata AIG offers a simple and quick way to calculate your comprehensive bike insurance premium. To ascertain your bike insurance cost, visit the bike insurance page on our website and follow the below steps.

• Enter the Bike’s registration number.
• Click on ‘Get Price’ for a new policy and ‘Renew’ for the Tata AIG bike insurance renewal premium calculator.
• Provide the required information, such as the NCB discount and the IDV, and click on Get Quote to get your bike insurance cost.

Not having made a bike insurance claim in the preceding year enables you to get low premium bike insurance upon the renewal of the policy with the virtue of the ‘No Claim Bonus’ discount. Our bike insurance renewal premium calculator is a handy tool to determine your bike’s insurance cost in a few easy steps.

Here are the main factors that determine the bike insurance premium of a comprehensive bike insurance policy. To know more bike insurance premium, check our resource on bike insurance premium calculator

• The ‘Insured Declared Value’ (IDV) / the market value of the bike

The IDV of your bike is its market value after accounting for depreciation. Since there is no depreciation accumulated on a new bike, the IDV of a new bike is higher than that of an old bike. Your bike’s IDV is the highest sum that an insurer can provide you in the case of irreparable damage or theft of the bike. While purchasing bike insurance, you are required to enter your bike’s IDV. The higher the IDV/market value of your bike, the higher is the corresponding bike insurance price.

• The age of the bike and the bike’s owner

The age of your bike has a significant bearing on the comprehensive bike insurance premium. Generally, new bikes have a higher premium as compared to old ones. Since the depreciation accumulated on old bikes reduces their ‘Insured Declared Value’, the corresponding bike insurance policies have a lower premium.

The age of the owner of a bike also affects the bike insurance price. Drivers who are 25 years of age or below are considered high-risk drivers from an insurance point of view. Therefore, the bikes owned by the aforementioned age group of buyers tend to have a higher bike insurance premium.

• The make, model, variant, and fuel type of the bike

Bikes that are expensive and high-end usually have a higher bike insurance premium in comparison with low and medium-budget bikes since the former category of bikes has a high maintenance and component replacement cost. Furthermore, the fuel type of your bike also affects its insurance premium.

Bikes that run on petrol tend to attract a low bike insurance premium as compared to diesel-run bikes that require a higher degree of maintenance. The high cost of the spare parts of most diesel-run bikes also enhances their insurance premium. CNG-powered bikes also have a high bike insurance cost.

• Registration Location

Your comprehensive bike insurance premium is likely to be high if your bike has been registered in a metropolitan city or a high-risk and high-traffic area. On the other hand, bikes registered in remote towns and villages which generally have a low incidence of road accidents tend to have a low bike insurance price.

• Manufacturing Year

The manufacturing year of your bike is significant from an insurance perspective since it determines the age of the bike and the depreciation accumulated on it which, in turn, is important in the computation of the bike’s ‘Insured Declared Value’. Since the depreciation accumulated on a bike decreases its IDV, the corresponding bike insurance premium also gets reduced.

Therefore, old bikes generally have a lower comprehensive bike insurance price than their newer counterparts. When you buy bike insurance online, the online bike insurance premium calculator takes your bike’s manufacturing year into account.

• Discounts

There are several discounts available on your comprehensive bike insurance premium. For instance, having an Automotive Research Association of India (ARAI) approved anti-theft device installed on your bike makes you eligible for a discount on your bike insurance price owing to the added layer of security for the bike. Furthermore, if you are a member of the Automobile Association of India (AAI), you can receive a discount on your bike insurance premium.

• No Claim Bonus (NCB)

The ‘No Claim Bonus’ in your comprehensive bike insurance policy is a reward for zero claims during a particular year. If you have an NCB accumulated on your bike insurance policy and renew your policy on a timely basis, you can receive a discount on your new bike insurance premium.
After the first claims-free year, you earn an NCB discount of 20% and after five consecutive claim-free years, you are eligible for an NCB discount of 50%. Therefore, an NCB can help you reduce your bike insurance price.

Here is how you can reduce your bike insurance premium:

• Drive sensibly and earn a No Claim Bonus

It is important to drive safely and follow all the traffic rules to ensure your as well as others’ security whilst on the road. If you are a sensible and responsible driver, your insured bike is significantly less vulnerable to accidents, thereby reducing your need to file a bike insurance claim. By doing so, you can earn a ‘No Claim Bonus’ and secure a discount of 20% on your comprehensive bike insurance policy renewal. The aforementioned discount can go up to 50% if you don't file a bike insurance claim for five consecutive years.

• Opt for a reasonable IDV of your bike

You must ascertain the IDV of your bike carefully since it has a direct bearing on your comprehensive bike insurance price as well as the amount you receive from your insurer in the event of the total loss of your bike. Quoting a lower IDV will reduce your bike insurance coverage whereas quoting a higher one will lead to a higher than necessary bike insurance premium. Therefore, it is important to choose the accurate IDV for your bike.

• By Gaining Discounts

One of the ways through which you can reduce your comprehensive bike insurance premium is by gaining discounts. Tata AIG offers a discount of up to 75% on online bike insurance policies. Furthermore, if you become a member of the Automobile Association of India (AAI), you can get discounts on your bike insurance price. You can also gain discounts on your bike insurance premium by installing ARAI-approved anti-theft devices on your bike.

• Drop all the unnecessary bike insurance add-on covers

You must ensure the inclusion of only the required add-on covers in your comprehensive bike insurance policy since each add-on carries a price that increases your bike insurance premium. Therefore, it is pivotal to assess your bike insurance requirements before selecting the necessary add-ons. You can determine the impact of each add-on feature on your bike insurance price by using our bike insurance calculator.

• Renew your policy before its expiry date

Ensure that you complete your comprehensive bike insurance renewal at least a few weeks before the expiration of the policy. The aforementioned approach ensures that you do not lose the ‘No Claim Bonus’ accumulated on your previous policy and also enables you to have sufficient time to re-evaluate the add-ons you want to include in your new policy.

• Try to raise no claim for minor expenses arising out of an accident

Some accidents cause minor damages to your bike which do not have a high repair cost. In order to reduce your comprehensive bike insurance premium and earn/retain your ‘No Claim Bonus’, you must refrain from filing a bike insurance claim for minor expenses incurred in the repair of your bike.

You can visit the Tata AIG website and check our bike insurance policies online. To buy the Tata AIG comprehensive bike insurance policy online, you must follow the steps listed below.

• Go to the Bike Insurance page. Enter your bike's registration number and click on “Get Price” for a new Tata AIG policy and “Renew” for an existing Tata AIG policy
• Submit the relevant details as prompted on the screen, select the policy coverage, the IDV and the required add-ons
• Submit the ‘No Claim Bonus’ (if any) details from your previous policy
• Receive instant quotes and buy your comprehensive bike insurance online

• Ease of comparison for different policies
• Time-efficient
• Paperless process
• Flexibility you select the coverage
• The option to customise your policy
• Instant access to the policy document
• Safe and transparent policy purchase
• Online payment of the policy premium
• Convenience of switching between different insurance providers

What’s more, is that Tata AIG offers a discount of up to 75% on the purchase of bike insurance policies online.

With our 7500+ network garages spread across the nation, you can have access to cashless repairs for your bike. If you get your bike repaired at one of the bike insurance garages in our network, the cost is covered by your Tata AIG comprehensive bike insurance policy. You do not need to make any payment for the aforementioned repairs since the bill will be settled by us.

In order to access the Tata AIG bike insurance cashless garage list for your city, you can use the cashless garage locator available on our website and click on bike insurance garages near me. Alternatively, you can enter the name of your city and search for our network garages therein. Whether you buy online bike insurance from Tata AIG or an offline policy, our wide network of cashless garages has got you covered.