Two wheeler insurance policy

Guide To Buy Two Wheeler Insurance - Edelweiss General Insurance Blogs

8th October 2021 8min read 3397 views

Everybody prides themselves on their ability to purchase their first vehicle. In India, most families own a two-wheeler since they are affordable and make travelling on busy roads incredibly easy. But an accident could hurt you, your bike, and your finances. As per the Motor Vehicles Act, 1988, individuals must have at least third-party bike insurance to drive their vehicles legally. But, the third-party cover is hardly enough. Instead, it is prudent to opt for a comprehensive  two-wheeler insurance policy that provides own damage and owner-driver covers. Thankfully, purchasing a two-wheeler bike insurance policy online today is quick, convenient, and easy.

What Is IDV In Bike Insurance?

The IDV is the actual value of your vehicle. As the years go by, the total value of your bike depreciates, so your IDV could decrease over time, which will probably reflect in your premium. Things like your bike's age, the number of kilometers you've ridden, and the way you maintain your vehicle will affect your overall IDV and in turn, your two-wheeler insurance premium.


Here’s a look at the 3 steps you need to follow to buy an Edelweiss General Insurance two-wheeler policy:

Step 1: Enter Your Vehicle Registration Details

On the website, you can choose the two-wheeler option and enter your bike’s registration details. So, you might enter DL01AA1234. You then need to confirm your two-wheeler’s make, model, and previous policy details, including your claims history. Once you are sure all the information is accurate, you can head to the next step.

Step 2: Evaluate Your Options

On the next page, we will present you with 3 two-wheeler bike insurance policies. Each provides varying degrees of coverage. You can pick the plan most suitable for you based on your bike usage, budget, and the kind of covers you want. You even have the option to customise the bike insurance policy by selecting add-ons. Make sure you check the inclusions and exclusions of each 2-wheeler insurance plan on offer. Then pick the one that suits your requirements.

Step 3: Confirm the Details and Pay the Premium

Once you decide which two-wheeler bike insurance policy you want, you need to provide us with a few details. We require your contact information, details about your bike, and who you want as your nominee. If you are renewing your policy, you need to confirm these details. Once you are sure everything is in order, you can go ahead and make the premium payment and avail your two-wheeler insurance online. As soon as the transaction is complete, we will e-mail you a soft copy of your bike insurance policy.


Purchasing 2-wheeler insurance online is quick and easy. With these 3 easy steps, you do not have to worry about long queues, making physical payments, meeting with an agent, or waiting for a vehicle survey. You can visit the  Edelweiss General Insurance website and receive a soft copy of your policy in under 15 minutes! While buying bike insurance online, always keep your needs in mind. Do not opt for policies that offer unnecessary coverage for higher premiums. Carefully consider your add-ons and only choose what you require. You should also not pick a policy because it has the lowest premium. You must get enough financial cover to help you if your bike gets damaged beyond repair. Once you have your bike insurance paperwork in order, you can ride across the country hassle-free!

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