Comprehensive Bike Insurance Policy

• Extensive Coverage: This policy covers both damages to your bike and third-party liabilities, protecting you from significant legal costs in case of an accident.
• Protection Against Theft: In case of theft, the insurance provides financial assistance to help recover your losses, ensuring you can replace your bike without a heavy financial burden.
• Natural and Man-Made Disasters:Coverage includes damages from natural disasters like floods and earthquakes, as well as man-made events such as riots, safeguarding against unforeseen incidents.
• Accidental Damage: The policy covers repair costs resulting from accidents, helping you maintain your bike’s condition and get back on the road quickly.
• Customisable Add-Ons:Enhance your policy with options like zero depreciation cover for full claim amounts and personal accident cover for injury support, providing added safety during your rides.

1. Complete Protection: This policy covers damages to your bike and third-party liabilities, ensuring financial support in accidents.
2. Peace of Mind: Ride confidently knowing you have coverage for unforeseen events, allowing you to enjoy your biking experience without worries.
3. No Claim Bonus (NCB): Maintain a claim-free record to earn a no claim bonus, which reduces your renewal premium, rewarding safe riding habits.
4. Flexibility: Personalize your coverage with add-ons like roadside assistance and accessory protection to enhance your insurance policy.

The cost of comprehensive two-wheeler insurance depends on several factors such as:

• Insured Declared Value (IDV): The insured declared value of your bike plays a significant role in determining the premium.
• Age of the bike: Older bikes typically attract lower insurance premiums due to their decreased market value, limited coverage options, and potential discounts like the No Claim Bonus.
• Cubic capacity: Bikes with higher cubic capacity tend to have higher premiums.
• Add-ons: The inclusion of add-ons like zero depreciation cover increases the overall premium.
• Geographical location: Premiums may vary based on the location where the bike is registered.

Comprehensive bike insurance is ideal for anyone who wants full protection for their vehicle. If you live in an area prone to theft or accidents, or if your bike is relatively new, comprehensive coverage is essential.

1. Provide Your Information: Visit the website or download the mobile app. Enter your details to receive a personalized quote for your comprehensive bike insurance.
2. Select Coverage and Add-Ons: Customize your insurance policy by choosing your preferred coverage options and any additional features that suit your needs
3. Complete the Payment: Finalize the online payment process, and your two wheeler insurance policy will be sent to you via email for your records.

1. Download the Mobile App: Check the renewal premium, apply any discounts or offers available, and complete your payment. Your updated policy will be sent to your email once processed.
2. Choose the Renewal Option: Make any necessary updates to your personal information or bike details, including address changes, contact information, or modifications to your bike.
3. Update Your Details: If you already have a policy with SBI General, select the insurance policy you wish to renew from the service tab. Ensure you review your coverage and any add-ons.
4. Review and Make Payment: Check the renewal premium, apply any discounts or offers available, and complete your payment. Your updated policy will be sent to your email once processed.

What’s Covered? (Base + Add-ons):

• Third-Party Liability
• Loss or Damage to the Vehicle
• Personal Accident Cover
• Additional Legal Liabilities
• Bifuel-Kit
• Cover for Key Replacement
• Inconvenience Allowance
• Loss of Personal Belongings
• Hospital Daily Cash Cover
• Return to Invoice
• Depreciation Reimbursement
• Road Side Assistance (Basic & Additional)
• Engine Guard
• No Claim Bonus (NCB) Protection
• Cover for Consumables
• EMI Protector

What’s Not Covered?

• Driving without a valid driving licence.
• Driving under the influence of drugs or alcohol.
• Damage from normal wear and tear.
• Intentionally damaging the vehicle.
• Trying to start the bike after it's been damaged, leading to more loss.
• Illegal racing or overspeeding.
• Using the vehicle for business purposes.
• Damage that happens outside the area covered by the policy.

Read our blog to know more: Comprehensive vs Third Party Bike Insurance

1. Affordable Premiums: Competitive rates make comprehensive coverage accessible without breaking the bank.
2. Wider Network: Access a vast network of authorized garagesfor quick and cashless repairs, ensuring convenience when you need it.
3. Hassle-Free Claims: Enjoy an efficient and transparent claims process that simplifies filing and speeds up support.
4. Customizable Plans: Tailor your policy with various add-on options, like roadside assistance, to fit your specific needs.
5. Fast Claim Settlement: SBI General ensures quick and efficient claim processing, allowing you to receive your claim amount promptly after an incident.

• Original policy document.
• FIR in case of theft.
• Duly filled claim form.
• Repair bills or estimates.
• Driving license and registration certificate.

1. Go to our website to initiate a claim.
2. Fill in the required details to initiate the claim.
3. Provide necessary documents for survey and inspection.
4. Wait for approval to proceed with repairs.
5. After repairs, we will settle the costs directly with the network garage.

Also Read: What Is Bike Insurance Claim Process?

The Insured Declared Value (IDV) is the maximum amount your insurance provider will pay in case of total loss or theft of your bike. It’s crucial to select an appropriate IDV as it directly affects both the premium and the coverage.

Also Read: What is IDV in Bike Insurance and How is it Calculated?