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🏍️ Two-wheeler insurance starting at just ₹538/year*

Ride Safely, Stay Protected
with SAS Bike Insurance

Comprehensive coverage for bikes, scooters, and electric two-wheelers. Get instant policy, 24/7 roadside assistance, and cashless repairs across 7,000+ network garages.

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Zero Dep
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24/7 RSA
Bike Insurance Protection

Get Instant Bike Insurance Quote

Save up to 50%* on your premium | Compare 25+ insurers

Types of Bike Insurance Policies

Choose the right protection for your two-wheeler

✅

Third Party Insurance

Mandatory as per Motor Vehicles Act. Covers third-party liabilities.

  • ✓ Legal compliance
  • ✓ Affordable premium
  • ✗ Own damage not covered
Get Quote →
🛡️

Own Damage Insurance

Covers own damage from accidents, theft, fire, natural disasters.

  • ✓ Own damage protection
  • ✓ Add-ons available
  • ✗ Third-party not covered
Get Quote →
🏍️

Comprehensive Insurance

Complete protection – both own damage and third-party liabilities.

  • ✓ Both coverages
  • ✓ Add-ons available
  • ✓ NCB benefit
Get Quote →

Third Party Bike Insurance Premium (as per IRDAI)

Mandatory coverage rates based on engine cubic capacity

Engine Cubic Capacity1-Year Premium5-Year Premium
Less than 75 CC₹538₹2,901
75 CC - 150 CC₹714₹3,851
150 CC - 350 CC₹1,366₹7,365
Greater than 350 CC₹2,804₹15,117

* Premium rates as per IRDAI regulations. GST extra as applicable.

Why Choose SAS Bike Insurance?

💰
Premium Starting at ₹538*

Most affordable plans

🔧
7,000+ Cashless Garages

Hassle-free repairs

⚡
Instant Policy Issuance

Get covered in minutes

📞
24/7 Customer Support

Claims assistance anytime

Compare Bike Insurance Policies

Coverage FeaturesThird PartyOwn DamageComprehensive
Damage to Own Bike✗✓✓
Third-party Liability✓✗✓
Theft of Vehicle✗✓✓
Natural/Man-made Disasters✗✓✓
Personal Accident Cover (₹15 Lakh)✗✓✓
Add-ons Available✗✓✓
No Claim Bonus (NCB)✗✓✓
Cashless Repairs✗✓✓
Motor Insurance Protection

Enhance Your Protection with Add-ons

Customize your bike insurance policy with these valuable add-ons.

Zero Depreciation
Full claim without depreciation
Engine Protect Plus
Cover for water ingress damage
Roadside Assistance
24x7 breakdown support
Consumables Cover
Oil, nuts, bolts covered
Return to Invoice
Full value on total loss
Key Replacement Cover
Lost or damaged keys
Tyre & Rim Protect
Tyre and wheel rim coverage
Garage Cash Cover
Daily allowance during repairs
Explore All Add-ons →
🏆

Save Up to 50% on Premium

with No Claim Bonus (NCB)

No Claim Bonus (NCB) Benefits

Stay claim-free and earn discounts on your own damage premium every year.

20%
After 1st year
25%
After 2 years
35%
After 3 years
45%
After 4 years
50%
After 5+ years

NCB is transferable when you switch insurers or buy a new bike

Simple 4-Step Claim Process

Filing a claim with SAS is quick and transparent.

  1. 1
    Intimate Claim
    Call 24/7 helpline or use SAS Guru App
  2. 2
    Digital Survey (InstaSpect)
    Complete video survey in minutes
  3. 3
    Claim Approval
    Fast-track approval within 24 hours
  4. 4
    Cashless Repair
    Visit any of 7,000+ network garages
📞 24/7 Claim Support: +91 9511146113

Documents Required for Claim

  • ✓ Completed claim form
  • ✓ Copy of Registration Certificate (RC)
  • ✓ Copy of Driving License
  • ✓ FIR (in case of theft/accident)
  • ✓ Repair invoice & estimate
  • ✓ Policy copy

Frequently Asked Questions about Bike Insurance

Yes, third-party insurance is mandatory. Fine up to ₹2,000 for riding without insurance.

IDV = Manufacturer's Price – Depreciation (based on bike age).

Depends on engine CC, bike age, IDV, coverage type, add-ons, and location.

Yes, NCB can be transferred to your new bike within 90 days.

Engine damage due to water is covered only with Engine Protect Plus add-on.
Bike Vehicle Insurance

Why Buy Bike Insurance Online from SAS?

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