Two-wheeler insurance is mandatory under the Motor Vehicles Act, and comparing before you renew keeps the premium fair. Enter your bike's registration number to check its VAHAN insurance status and compare quotes from 20+ insurers. GaadiInfo covers third-party, comprehensive and standalone own-damage plans for bikes, scooters and electric two-wheelers, with instant online renewal.
Loading interactive experience…
For a two-wheeler, insurance does two jobs: it keeps you legal — every bike, scooter and moped on an Indian road must carry at least third-party cover under the Motor Vehicles Act — and it decides who pays when something goes wrong. Riding without valid third-party insurance is a punishable offence attracting a fine and possible imprisonment, so cover should never lapse.
See the current IRDAI third-party premium rates by engine capacity.
Consider your bike's age, usage and budget. New or high-value bikes benefit most from comprehensive coverage with zero depreciation; an old, low-value scooter may only need third-party. Always compare quotes, check the claim settlement ratio, and set a realistic IDV. Our full two-wheeler insurance guide walks through every option.
To buy online you typically need the Registration Certificate (RC), previous policy details for renewal, and PAN or Aadhaar for KYC. Most platforms auto-fetch vehicle details from the registration number. Enter your bike number to check the VAHAN insurance status and compare renewal quotes in under a minute.
Inform your insurer within 24 hours, file an FIR for theft or major accidents, submit the claim form with documents and photos, get the bike surveyed, and receive a cashless or reimbursement settlement. The step-by-step bike insurance claim process covers accident, theft and flood claims in detail.
GaadiInfo is an independent platform — not an insurer and not a government body; the policy is issued by the insurer you select.
Yes. Under the Motor Vehicles Act, every bike or scooter on the road must at least have valid third-party cover, which pays for injury or damage you cause to others. Riding without it is a punishable offence, so even if you skip comprehensive cover, third-party should never lapse.
Third-party premiums are set by IRDAI and depend mainly on engine capacity, so a small commuter costs far less than a high-cc bike. Comprehensive premiums vary with your bike's IDV, age, city and add-ons. Comparing a few quotes is the best way to see the real number for your two-wheeler.
Usually yes, but do not wait. A short gap can often be renewed online; a longer break (commonly beyond about 90 days) may cost your No Claim Bonus and require a quick inspection before cover is reinstated. Renewing before expiry keeps both your discount and protection intact.
Third-party is the legal floor and protects others, not your bike. Comprehensive adds cover for your own vehicle against accidents, theft, fire and natural events, often with add-ons. For a newer or pricier bike, comprehensive is usually worth it; for an old, low-value scooter, third-party may be enough.
Yes. Since September 2019, IRDAI allows a standalone own-damage policy, so you can keep your existing third-party cover and add own-damage protection separately. You must always hold a valid third-party policy to be road-legal.