Inclusions and Exclusions in Bike Insurance

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Inclusions and Exclusions in Bike Insurance
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A two-wheeler insurance policy safeguards a two
wheeler and its owner against any financial
liabilities arising out of any damages.
Types of Two Wheeler Insurance

• Third Party Liability

• Comprehensive Insurance Policy

• A third party liability two wheeler insurance
  policy protects the vehicle owner against any
  damages caused to a third party or property.
• It protects the owner against death, disability,
  accident or any bodily injury caused to a third
  party.
• As per the law, this policy is mandatory in
  India.

• This type of two wheeler insurance policy
  protects the vehicle owner against any damages
  caused due to manmade or natural calamities.
• It also provides protection against third party
  liability

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Inclusions of Comprehensive Two Wheeler Insurance
Policy
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Exclusions of Two Wheeler Insurance

• A two wheeler insurance policy does not provide
  coverage under the following instances
• Damage caused by a person without a valid driving
  license.
• Damage caused by a person under the influence of
  alcohol or drugs.
• Loss/damage caused due to nuclear war or risks.
• Loss/damage caused outside geographical region.
• Mechanical and electrical breakdown is not
  covered.
• Regular wear and tear.
• Depreciation
• Any claims arising out of contractual liability.

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• Note The exclusions and inclusions of a two
  wheeler insurance policy may differ from insurer
  to insurer. So, always read the policy wordings
  carefully before buying two wheeler insurance for
  your bike.
• Recommended Read Things Included and Excluded in
  Bike Insurance