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Motor Act Only Two Wheeler Insurance (5 Years)

  • 5 years of Uninterrupted Protection
  • No Hassles of Annual Renewals
  • Protection for Third-Party Damages
  • Coverage for Legal Expenses

Get Uninterrupted Insurance Coverage Against Third-Party Liabilities For Five Continuous Years

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Five-Year Assurance

Five-Year Assurance

Buy the policy once and remain secured against third-party legal and financial responsibilities for five uninterrupted years.
Third Party Compensation

Third Party Compensation

Lessen the financial responsibility of addressing third-party damages or incidents resulting from your insured two-wheeler.
Coverage Against Legal Expenses

Coverage Against Legal Expenses

Secure yourself against legal actions from third parties, including any expenses incurred by requiring legal representation.
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Why Sbi General Insurance
Why Choose a Motor Act Only Two-Wheeler Insurance?

Guard Against Third-Party Complications

With SBI General’s Motor Act Only Two-Wheeler Insurance, you have the liberty to cruise on your two-wheeler, knowing you’re abiding by the Motor Vehicle Act, 1998. It mandates that every two-wheeler owner possess at least third-party insurance.

Who should consider this policy?
Any two-wheeler owner in India stands to benefit from SBI General’s Motor Act Only Two-Wheeler Insurance. If you hold a legitimate two-wheeler license and seek a hassle-free, extended coverage period of five years, then this policy is tailor-made for you.

What is Covered Under Motor Act Only Two Wheeler Insurance (5 Years)

Take a look at the various features of the Motor Act Only Two Wheeler Insurance (5 Years) offered by SBI General Insurance

      • Covers Third Party Liability only.
      • Long term policy for 5 years.
      • No hassle of annual renewals.
      • No effect of change in Third Party Liability Premium during the policy period.
      • No effect of change in GST during the policy period.
    • Coverage

      This Policy protects against legal liability arising out of the use of the vehicle, towards third parties arising on bodily injury to / on death of a person and any damage caused to third party property.

        Additional covers at extra cost: 

      • 1. Personal accident cover of Rs. 15 lakhs in case of two-wheelers and private cars for individual owner/s* of the vehicle/s while driving. This benefit is however, not available for a Company owned vehicle. Personal Accident cover: of Rs. 1 lakh per person, in case of two-wheelers and Rs 2 lakhs per person for other class of vehicles, is also available for the occupant/s of the vehicle/s.
      • 2. Additional Legal liabilities for :

        • Paid driver/conductor/cleaner employed in operation of vehicle. 
        • Employees travelling in/driving the vehicle other than paid driver. 

          3. Bifuel-Kit :

        • Any Legal Liability arising out of the use of CNG-LPG bifuel kit.  

        • Any loss/damage to the vehicle and/or its accessories will not be covered if caused by the following- 

        • 1. The Company shall not be liable in respect of any claim arising whilst the vehicle insured herein 
          (a) Being used otherwise than in accordance with the Limitations as to Use
          or
          (b) Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause.
        • 2. The Company shall not be liable in respect of any claim arising out of contractual liability.  
        • 3. Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be liable in respect of death arising out of and in the course of employment of a person in the employment of the Insured or in the employment of any person who is indemnified under this Policy or bodily injury sustained by such person arising out of and in the course of such employment. 
        • 4. Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be liable in respect of death or bodily injury to any person (other than a passenger carried by reason of or in pursuance of a contract of employment) being carried in or upon or entering or mounting or alighting from the motor vehicle at the time of the occurrence of the event out of which any claim arises.  
        • 5. The Company shall not be liable in respect of any liability directly or indirectly or proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations (whether before or after declaration of war) civil war, mutiny rebellion, military or usurped power or by any direct or indirect consequence of any of the said occurrences and in the event of any claim hereunder, the Insured shall prove that the accident, loss, damage and/or liability, arose independently of and was in no way connected with or occasioned by or contributed to by or traceable to any of the said occurrences or any consequences thereof and in default of such proof, the Company shall not be liable to make any payment in respect of such a claim.  
        • 6. The Company shall not be liable in respect of any liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.  

    Key Features

      • Covers Third Party Liability only.
      • Long term policy for 5 years.
      • No hassle of annual renewals.
      • No effect of change in Third Party Liability Premium during the policy period.
      • No effect of change in GST during the policy period.

    What’s Covered

      Coverage

      This Policy protects against legal liability arising out of the use of the vehicle, towards third parties arising on bodily injury to / on death of a person and any damage caused to third party property.

        Additional covers at extra cost: 

      • 1. Personal accident cover of Rs. 15 lakhs in case of two-wheelers and private cars for individual owner/s* of the vehicle/s while driving. This benefit is however, not available for a Company owned vehicle. Personal Accident cover: of Rs. 1 lakh per person, in case of two-wheelers and Rs 2 lakhs per person for other class of vehicles, is also available for the occupant/s of the vehicle/s.
      • 2. Additional Legal liabilities for :

        • Paid driver/conductor/cleaner employed in operation of vehicle. 
        • Employees travelling in/driving the vehicle other than paid driver. 

          3. Bifuel-Kit :

        • Any Legal Liability arising out of the use of CNG-LPG bifuel kit.  

      What’s Not Covered

          Any loss/damage to the vehicle and/or its accessories will not be covered if caused by the following- 

        • 1. The Company shall not be liable in respect of any claim arising whilst the vehicle insured herein 
          (a) Being used otherwise than in accordance with the Limitations as to Use
          or
          (b) Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause.
        • 2. The Company shall not be liable in respect of any claim arising out of contractual liability.  
        • 3. Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be liable in respect of death arising out of and in the course of employment of a person in the employment of the Insured or in the employment of any person who is indemnified under this Policy or bodily injury sustained by such person arising out of and in the course of such employment. 
        • 4. Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be liable in respect of death or bodily injury to any person (other than a passenger carried by reason of or in pursuance of a contract of employment) being carried in or upon or entering or mounting or alighting from the motor vehicle at the time of the occurrence of the event out of which any claim arises.  
        • 5. The Company shall not be liable in respect of any liability directly or indirectly or proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations (whether before or after declaration of war) civil war, mutiny rebellion, military or usurped power or by any direct or indirect consequence of any of the said occurrences and in the event of any claim hereunder, the Insured shall prove that the accident, loss, damage and/or liability, arose independently of and was in no way connected with or occasioned by or contributed to by or traceable to any of the said occurrences or any consequences thereof and in default of such proof, the Company shall not be liable to make any payment in respect of such a claim.  
        • 6. The Company shall not be liable in respect of any liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.  
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      FAQs about Motor Act Only Two Wheeler Insurance (5 Years)

      Here are the commonly asked questions about Motor Act Only Two Wheeler Insurance (5 Years)

      If you are caught driving without valid Third-Party liability insurance, you will be liable to pay a fine; additionally, your licence may be disqualified under such an act, and/or there may be imprisonment charged under such an act.

      A Motor Act Only policy for 5 years freezes the premium rates for the entire policy tenure. Which means the premium amount remains the same throughout the policy term. Thus, it erases possible hikes in premium rate revisions and service charges every year.

      No, you cannot lose your No Claim Bonus discount if the third-party two-wheeler insurance claim is intimated because this discount is applicable on premiums offered or comprehensive insurance policies.

      No, a Third-Party Two-Wheeler insurance plan, though mandatory, offers limited coverage against third-party losses only. Hence, you cannot include any add-ons, even zero depreciation add-ons, to your third-party two-wheeler insurance plan.

      Product UIN

      IRDAN144RP0003V01201819

      Disclaimer:

      The above information is indicative in nature, for more details on complete coverage and terms and conditions, please contact our nearest office and also read the policy document and sales brochure carefully before concluding a sale.

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