Bike Insurance 1343 views April 10, 2020

Long Term Two Wheeler Insurance Policy Online

The risks associated with riding two-wheelers on Indian roads only keeps increasing. One of the leading factors for the same is the constant influx of new vehicles on the road. As a two-wheeler owner, you cannot stop the number of vehicles being added to the road. However, you can take adequate precautions from your end to ensure maximum protection.

To start with, you must always ride with appropriate riding gear. Following the traffic rules is another simple way to ensure that you are not caught off guard. Though these two can help you avoid some of the risks, yet there are a lot of additional risks involved when it comes to owning a bike. To keep yourself secured against such risks, you can opt for two-wheeler insurance.

A two-wheeler insurance policy is designed to protect you and your bike in the event of any unforeseen circumstances. The policy has your back in the event of any accidents on the road, protecting your bike in the case of any natural calamities or nuisances created by men.

Long Term Two Wheeler Insurance Policy Online

Recently, the honourable Supreme Court of India made it mandatory for new bikes to be sold in India with a 5-year third party liability policy. You can buy comprehensive cover for your bike along with the third-party liability policy.

And more recent amendments to the Motor Vehicles Act mean that riding without insurance can attract hefty fines. However, the directive is only for new bikes. What if you already have a bike and do not want to go through the hassle of renewing the policy every year?

This is where a long term two-wheeler insurance comes into the picture. As the name suggests, the policy is from a long term perspective. Usually, insurers allow their customers to opt for these plans for up to 3 years. In simple words, you do not have to worry about renewing your plans for up to three years yet receive constant protection.

Benefits of Long Term Two Wheeler Insurance Policies

Here are some of the prominent benefits of opting for long term two-wheeler insurance.


As already mentioned, a long term plan has a renewal frequency of up to 3 years. Unlike a standard plan, you do not have to renew your policy every year.

Premium Immunity

Since you are paying the premium for three years upfront, you will not be impacted by any hike in premiums. Whereas for a standard plan, the chances are high that the premiums might change.


The No Claims Bonus ensures that your policy premiums reduce by a considerable amount. And this is where a long term plan has an upper hand. With a standard single year plan, if you make any claims, your NCB becomes zero. However, in a long term plan, the NCB merely reduces and does not become zero.

You can buy long term two-wheeler insurance policy online or offline. Buying the policy online allows you to save a considerable amount of time and money. And more importantly, you can compare policies from different insurers and pick one that suits your budget and needs. And while all this, you receive immunity against inflation as well, since any variation in the price does not affect you.

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