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Motor Insurance

Buy/Renew Tvs Bike Insurance

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Premium Starts At ₹538*

Road trips, commutes, or quick errands—protection that follows you everywhere

Coverage Highlights

Get comprehensive coverage for your bike
  • Cashless Garages

7,200+ network garages for hassle free services

  • Own Damage Cover

Covers damage to your bike due to accidents, fire, theft and natural calamities

  • Third Party Liability

Unlimited liability for third party bodily injuries and INR 1 lac for third party property damage

  • Personal Accident Cover

Starting from INR 15 Lacs

  • No Claim Bonus

Up to 50%

  • Optional Covers

Wide range of Add Ons

  • On The Spot Claim Settlement

You can instantly register your bike insurance claim from the accident spot and get it settled within minutes through our Caringly Yours App

  • 24x7 Spot Assistance

Get 24x7 roadside assistance, ensuring help is always just a call away, no matter when or where your car breaks down

  • Note

Two-Wheeler TP Insurance Premiums starting at INR 538

Inclusions

What’s covered?
  • Third Party Liability for Bodily Injury & Death (Unlimited Cover)

If an accident is caused by your bike and you are liable to compensate for any injury or death of others then we will pay the exact amount as by court.

  • Third Party Liability for Property Damage (up to INR 1 lac)

If an accident is caused by your bike and you are liable to compensate for any damage to property of others then we will pay amount upto the SI limit

  • Accidents

Damages and losses that arise out of accidents and collisions

  • Natural or Man-Made Disasters

Damages and losses to bike by events like floods, cyclones, earthquakes, riots or vandalism

  • Fire Damage

Damages and losses if your bike catches fire or explodes

  • Theft

Financial losses when your bike is stolen

  • In Transit Damage

If your bike is damaged while being transported, this covers the repair costs

  • Personal Accident

Coverage if your bike accident results in death or disability of bike owner

  • Add-On Covers

Multiple Add-Ons which you can buy with your bike insurance policy to enhance your coverage

Exclusions

What’s not covered?
  • Intentional Damage

Any damage caused to the bike intentionally

  • Depreciation

Normal wear and tear of the bike due to usage and depreciation in value is not covered

  • Mechanical or Electrical Breakdown

If your bike suffers an electrical or mechanical breakdown, the cost of repairs would not be covered

  • Illegal Activities

Any type of illegal activity such as driving without a license, under the influence of alcohol and/or drugs, or using the car for criminal activity

  • Geographic Limits

Your insurance policy is only valid within India. If your vehicle meets with an accident outside the country, your claim will be rejected.

  • War-related Damages

Losses caused by war or nuclear risks are not covered

  • Overloading the Vehicle

If you exceed the weight or passenger limit specified for your bike, leading to an accident.

  • Unauthorised Vehicle Modifications

If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.

  • Racing or Speed Tests

If you participate in racing, speed tests, or illegal stunts and damage your bike, your claim will be denied

  • Note

Please read policy wording for detailed exclusions

Additional Covers

What else can you get?
  • 24x7 Road Side Assistance

Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more

  • Consumable Expenses

Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc

  • Zero Depreciation Cover

Every year the value of a bike depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands

  • No Claim Bonus Protector

Protects your No Claim Bonus even if you make a claim ensuring you get discount on your premium

  • Tyre Safeguard

This add-on cover can be fruitful if your car's tyre or tube gets damaged due to an accident. Tyre secure cover provides coverage for replacement expenses of tyres and tubes of the insured vehicle

  • Conveyance Benefit

If your car is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute

  • Engine Protector

Covers financial losses incurred due to damage to your car engine

  • Return to Invoice (RTI) Cover

Recover invoice value of your bike back in case of theft or total loss

Benefits You Deserve

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Reliable Customer Support

We have a dedicated call centre and chat support taking care of all your needs

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7200+ Cashless garages

Wide network of cashless garages for hassle free service

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On the Spot Claim Settlement

Register claim on accident spot and get it settled within minute on our app

At-A-Glance

Compare Insurance Plans Made for You

Feature
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Third Party Liabilty Cover

Own Damage Cover

Comprehensive Cover

Comprehensive Cover with Add-ons

Overview Covers legal liabilities arising due to body injury or property damage to others due to your bike. It is mandatory by law. Covers expenses arising out of damage to your bike. Full fedged cover comprising of Third Party Liability cover and Own Damage covers Enhance coverage by opting for various Add-ons over and above the comprehensive cover
Policy Period 1/2/3 years 1 Year 1/2/3/5 years 1/2/3/5 years
Third Party Liability for Injury, Death & Property Damage Yes No Yes Yes
Accidents & Collisions No Yes Yes Yes
Natural or Man-Made Disasters No Yes Yes Yes
Fire Damage No Yes Yes Yes
Theft No Yes Yes Yes
Compulsory Personal Accident Yes Yes Yes Yes
No Claim Bonus No Yes Yes Yes
Add-on: Zero Depreciation Cover No Yes No Yes
Add-on: Lock & Key Replacement No Yes No Yes
Add-on: 24x7 Roadside Assistance No Yes No Yes
Add-on: Consumables Cover No Yes No Yes
Explore more add-ons No 25+ Add On's 25+ Add On's 25+ Add On's

Download Policy Document

Get instant access to your policy details with a single click.

Motor & Health Companion

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Drive Confidently with Bajaj Allianz

Experience seamless vehicle management with the Bajaj Allianz Drive Smart App, featuring on-road assistance, fuel efficiency stats, driving alerts, and more

Healthassetment

Track, Manage & Thrive with Your All-In-One Health Companion

Discover a health plan tailored just for you–get insights and achieve your wellness goals

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Take Charge of Your Health & Earn Rewards–Start Today!

Be proactive about your health–set goals, track progress, and get discounts!

Step-by-Step Guide

To help you navigate your insurance journey

How To Buy

  • 0

    Download the Caringly Yours app from App stores or click "Get Quote"

  • 1

    Register or log in to your account.

  • 2

    Enter your bike details

  • 3

    You will be redirected to the bike Insurance Page.

  • 4

    Ensure to check your No Claim Discount

  • 5

    Choose right Insured Declared Value(IDV) that reflects your bike value

  • 6

    Evaluate Covers, Add Ons, Optional Covers and Exclusions

  • 7

    Select a plan from the recommended options, or customize your own plan

  • 8

    Review the premium and other coverage details

  • 9

    Proceed with the payment using your preferred method

  • 10

    Receive confirmation of your purchased policy via email and SMS

How To Renew

  • 0

    Login to the app

  • 1

    Enter your current policy details

  • 2

    Review and update coverage if required

  • 3

    Check for renewal offers

  • 4

    Add or remove riders

  • 5

    Confirm details and proceed

  • 6

    Complete renewal payment online

  • 7

    Receive instant confirmation for your policy renewal

How to Claim

  • 0

    Download our Caringly Yours App on Android or iOS

  • 1

    Register or login to use Motor On the spot claim for a smooth process

  • 2

    Enter your policy and accident details (location, date, time)

  • 3

    Save and click Register to file your claim

  • 4

    Receive an SMS with your claim registration number

  • 5

    Fill in the digital claim form and submit NEFT details

  • 6

    Upload photos of damaged parts as instructed

  • 7

    Upload your RC and driving license

  • 8

    Receive an SMS with the proposed claim amount

  • 9

    Use the SMS link to agree/disagree with the claim amount

  • 10

    Agree to receive the amount in your bank account

  • 11

    Track your claim status using the Insurance Wallet App

Know More

  • 0

    For any further queries, please reach out to us

  • 1

    Phone +91 020 66026666

  • 2

    Fax +91 020 66026667

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What Our Customers Say

Quick Claim Settlement

The entire claim process was effortless. I received my claim amount quickly, and the service was top-notch. Thanks, Bajaj Allianz!

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Sanjay Rana

Tamil Nadu

4.9

10th Jan 2021

Affordable Premiums & Great Coverage

Extensive coverage at an affordable premium. The added benefits like roadside assistance make this policy a great choice!

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Diya Kapoor

Jharkhand

5.0

15th Dec 2024

Cashless Repairs Without Hassles

Got my car repaired at a network garage without any paperwork. The cashless facility is truly a lifesaver!

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Abhishek Mishra

Punjab

4.8

5th Feb 2020

Easy and Transparent Purchase

The policy purchase process was smooth. Everything was clear, and I got extensive coverage at a reasonable price!

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Neha Agarwal

Goa

4.7

25th Jan 2024

FAQ's

What factors affect the premium of TVS bike insurance?

Third-party insurance is mandatory as per the Motor Vehicles Act of 1988 for all vehicles, including Royal Enfield bikes. It offers financial coverage for damage caused to a third-party vehicle and provides coverage for third-party injuries. However, own-damage coverage is not offered in this policy.

What is the difference between third-party and comprehensive bike insu

Third-party bike insurance covers damages caused to a third-party vehicle or property or third-party injuries due to an accident involving your TVS bike. Comprehensive bike insurance provides additional coverage for damages or losses to your own TVS bike due to natural or man-made calamities, theft, fire, and other risks.

How can I reduce the premium of my TVS bike insurance?

You can reduce the premium of your TVS bike insurance by installing safety devices such as an anti-theft alarm or immobilizer, maintaining a good driving record, opting for a higher voluntary deductible, and renewing your policy on time.

Can I transfer the No Claim Bonus (NCB) from my old bike to the new TV

Yes, you can transfer the No Claim Bonus (NCB) from your old bike to the new TVS bike insurance policy, provided you have not made any claims in the previous policy term. This can help reduce the premium of your new policy.

Can I renew my TVS bike insurance policy online even if I have made a

Yes, you can renew your TVS bike insurance policy online even if you have made a claim in the previous policy term. However, the premium for the new policy may be higher due to the claim history.

Can I transfer my existing motor insurance policy to the new owner?

Yes, you can easily transfer your vehicle's insurance to the new owner. The usual procedure for transferring vehicle insurance policy between two owners requires the new owner of the vehicle to submit an application form to the insurance provider within about 14 days of the registration transfer.

What risks are covered under an insurance policy for a vehicle?

The coverage for vehicle insurance can vary depending on the type of policy chosen. Third party liability, third party property damage, personal accident cover, own damage, theft, natural/manmade calamities, etc. are some of the common risks that are usually covered under motor insurance for a vehicle.

Why should I buy comprehensive vehicle insurance policy?

Investing in a comprehensive motor insurance is beneficial because it provides extensive coverage for your vehicle from damages due to an accident, theft, or natural disasters and damages caused to third party etc.

What is a Third-Party Liability Cover?

Third-Party Liability Cover is a type of insurance plan that covers that damages caused to a third-party from your vehicle.

What's the difference between third-party and comprehensive insurance?

Third-Party Liability covers damages incurred by another person or their property; it's mandatory by law to get a third-party insurance plan for your vehicle in order to drive it in India. Whereas, Comprehensive Motor Insurance covers third-party liability and damages to your own vehicle due to accidents, theft, etc. as per the policy terms.

Will my No Claims Bonus be transferred if I renew my motor insurance?

You may be able to transfer your No Claims Bonus (NCB) when renewing your policy with us, but this depends on various factors. While renewing, you may be able to get new and better NCB options and discounts.

What is premium reduction process if no claim acquired previously?

The no claim bonus feature in vehicle insurance can reduce the premium by a certain percentage each year if no claims are made. This feature has proven beneficial for people who have long-term insurance policies with the same company.

Where can I initiate a claim?

You can use our app, Caringly Yours, to initiate your insurance claim with an easy and hands-free experience.

How do I register my claim?

Ideally, claims are supposed to be registered on the same day that damage occurs to the insured vehicle. It is best to provide an immediate update to your vehicle insurance company. Please complete the claim application through our Caringly Yours app to claim your insurance in just a few easy steps.

What is a "deductible" or "compulsory excess" in motor insurance?

Deductible is the amount a policyholder pays out of their pocket before your insurance coverage kicks in; a higher deductible usually means a lower premium.

Why does my vehicle insurance premium change during renewal?

Vehicle insurance premiums can change at renewal due to several factors, including depreciation, add-on covers, the type of model of your vehicle, and additional accessories. Consequently, the premium may increase or decrease each year.

How NCB is calculated at the time of renewal?

No claim bonus is calculated at renewal based on the consecutive years the insured has not filed a claim. The discount percentage usually increases each year, following the policy terms.

What is a break in insurance?

The time gap between the policy expiration and the renewal of the policy is known as the break-in period. Your policy will remain inactive during this period. In case of a break-in, you are advised to renew your policy as soon as possible. You can complete the procedure online easily and your policy gets instantly activated.

When is vehicle inspection mandatory in motor insurance?

Usually, vehicle inspection occurs when purchasing a new vehicle insurance policy or during renewal process. Additionally, an inspection may be required when you file a claim for any damages, there is a change in the policy type, new accessories or equipment are added to the vehicle, or there is a change in ownership.

Can I change my motor insurance provider at renewal?

Yes, you can switch providers at renewal. Compare quotes and coverage options to find the best deal.
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Download Caringly your's app!

Be it a scooter or a bike that you are looking for, TVS Motor Company has a range to cater to your needs. Some of the stars of this show include Jupiter, Apache, Ronin, and Scooty. The company claims to be the third-largest manufacturer of two-wheelers in the country. It also operates in other regions such as the Middle East, Central & Latin America, and the Indian subcontinent.

Whether you already own a TVS two-wheeler or are planning to buy one, remember that its maintenance and upkeep should be one of your priorities. One of the ways to keep it in the best possible condition is to ensure that any future costs, or consequential mishaps, are covered. For this, insurance can help. If you seek financial protection against damages to your bike, you should purchase a TVS insurance policy. 

Types of Insurance plans for TVS Motor Models

Packed with amazing features, these bikes may make for an economical purchase. Easy to learn and fuel-efficient, they make a great mode of transport. When you are buying a TVS bike, you should also go ahead and ensure you buy a two-wheeler insurance policy.

Third-Party Bike Insurance

Third-party bike insurance is the most basic type of insurance that is mandatory as per the Motor Vehicles Act, 1988. This type of insurance covers the legal liability of the policyholder in case of damages or injuries caused to a third-party person or property. In the event of an accident involving your TVS bike, if the accident results in damages or injuries to a third-party, the insurance policy will cover the cost of the damages and injuries up to the coverage limit of the policy. However, third-party bike insurance for TVS bikes does not cover damages to your own TVS bike.

Comprehensive Two-Wheeler Insurance

Comprehensive two-wheeler insurance is an insurance policy that covers both third-party liabilities and damages to your own TVS bike. In addition to covering third-party liabilities, this type of insurance policy provides coverage for damages caused to your TVS bike due to accidents, natural disasters such as floods, earthquakes, etc., and man-made disasters such as riots, theft, fire, etc. It also offers personal accident cover for the policyholder in case of accidents resulting in death or disability. Comprehensive insurance for TVS bikes also allows for customizations with add-ons such as zero depreciation cover, pillion rider cover, engine protection cover, and more.

It is important to note that while third-party insurance is mandatory, a comprehensive two-wheeler insurance policy is recommended as it provides more extensive coverage and offers greater financial protection for your TVS bike.

It is important to go through the policy documents carefully to understand the inclusions and exclusions of the TVS insurance policy that you opt for. This will help you avoid any surprises during the claims process and ensure that you receive the maximum benefits from the policy in case of any unfortunate events.

Add-on covers available with TVS bike insurance

There are several add-on covers available with TVS bike insurance policies that can enhance the protection offered by the basic insurance policy. Here are some of the most common add-ons:

• Engine Protection Cover:

This add-on protects the bike's engine and its parts against damages caused by waterlogging or oil leaks.

• Zero Depreciation Cover:

This add-on cover ensures that the depreciation value of the bike's parts is not taken into account at the time of claim settlement. This means that you will get a higher claim amount in case of any damages or repairs.

• Personal Accident Cover for Pillion Rider:

This add-on provides financial protection to the pillion rider in case of accidental injury or death.

• Roadside Assistance Cover:

This add-on provides 24x7 assistance in case of emergencies such as flat tyres, battery breakdowns, or accidents.

• No Claim Bonus (NCB) Protection:

No Claim Bonus add-on protects your NCB in case of a claim, ensuring that you receive the full benefits of the accumulated bonus.

• Return to Invoice Cover:

This add-on ensures that you receive the full invoice value of the bike in case of total loss or theft.

It is important to note that each add-on comes with an additional premium, and the cost varies depending on the coverage and the insurer. Therefore, it is essential to evaluate your requirements carefully before opting for any add-ons.

How to buy bike insurance online for a TVS two-wheeler?

Buying bike insurance online for your TVS two-wheeler is a simple and convenient process. Here are the steps to follow:

  • Visit Bajaj Allianz General Insurance Company’s website.
  • Fill in the required details, including the make and model of your TVS two-wheeler, the year of manufacture, the registration number, and your personal information.
  • Select the type of insurance policy you require - third-party bike insurance or comprehensive bike insurance.
  • Choose the add-ons you require, if any. Some common add-ons include zero depreciation cover, personal accident cover for pillion riders, engine protection cover, and roadside assistance cover.
  • Provide the necessary documents, such as your driving license, bike registration certificate, and previous insurance policy details.
  • Review the policy details and the premium amount. Pay the TVS insurance policy price online using a secure payment gateway.
  • Once the payment is complete, you will receive a confirmation email and a copy of the policy documents.

It is important to compare the policies and premiums offered by different insurers before making a purchase. This can help you find the best policy that meets your requirements at an affordable price.

How to Renew TVS Insurance Online?

Renewing your TVS bike insurance online is a simple and quick process. Here are the steps to follow:

  • Visit the website of the insurance provider with whom you have the current policy.
  • Click on the 'Renew Policy' tab on the website.
  • Enter your bike registration number and the expiry date of your current policy.
  • Verify the details of your policy, including the policy period, coverage, and add-ons.
  • If you wish to modify your policy, you can choose to add or remove add-ons as per your requirements. The difference in the TVS insurance renewal price can be due to the inclusions and exclusions of add-ons to your policy coverage.
  • Review the premium amount and make the payment online using a secure payment gateway.
  • Once the payment is complete, you will receive a confirmation email and a copy of the renewed policy documents.

It is recommended to renew your TVS bike insurance before the expiry date of your current policy to avoid any lapse in coverage. You can also compare the premiums and features of different policies offered by other insurance providers before renewing your policy.

How to file a TVS Insurance Claim?

If you want to file a TVS insurance claim, you can follow these simple steps:

  • Contact the insurance provider immediately after the accident or loss. You can call the customer care number or visit their website to initiate the claim process.
  • Provide the details of the accident, including the date, time, and location. Also, provide your policy number and other necessary personal details.
  • The insurer will guide you through the next steps and may ask you to fill out a claim form. You may also need to submit other documents, such as a copy of the bike registration certificate, your driving license, and a police report if the accident resulted in third-party injuries or damages.
  • The insurer will send a surveyor to assess the damages to your TVS bike.
  • Once the surveyor assesses the damages, the insurer will provide an estimated cost of repair or replacement.
  • If the claim is approved, you can get the bike repaired at a network garage or avail of cashless repair facilities.
  • In case of theft or total loss, the insurer will pay the sum assured as per the policy terms.

It is important to file the claim as soon as possible to avoid any delays or complications. Also, ensure that you have all the necessary documents and details ready before you file the claim to make the process smoother.

Documents Required for TVS Bike Insurance Claim

When filing a TVS bike insurance claim, you will typically be required to provide the following documents:

  • Original copy of the policy document.
  • FIR filed at the nearest police station in case of theft, third-party damage or injury, or any other criminal activity.
  • Driving license of the person riding the TVS bike at the time of the accident.
  • Registration Certificate (RC) of the TVS bike.
  • Proof of insurance premium payment.
  • Bills, invoices and receipts for repair/replacement of the damaged parts.
  • In case of an accident, a copy of the estimate of the repair cost.
  • If the accident involved a third-party, a copy of the legal notice received by the third-party claimant.

It is important to note that the exact documents required may vary depending on the circumstances of the claim, so it is best to check with the insurance provider for their specific requirements.