Bajaj General Third Party Two Wheeler Insurance
Bajaj General's third-party bike insurance helps cover you if you are met with an accident that damages someone else's vehicle or Read More
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Bajaj General Third Party Bike Insurance vs Comprehensive Bike Insurance
| Features | Third Party Bike Insurance | Comprehensive Bike Insurance |
|---|---|---|
| Coverage | Covers damages to third-party property, injuries, or death to third parties. | Covers third-party liabilities and damages to your own bike due to accidents, theft, natural and man-made disasters. |
| Legal Requirement | Mandatory by law for all bike owners. | Not mandatory, but highly recommended for broader protection. |
| Cost | Generally cheaper than comprehensive insurance as it covers less. | More expensive due to wider coverage. |
| Protection against theft or damage | Not covered. | Covered. Includes theft, vandalism, and damage from accidents. |
| Protection from natural disasters | Not covered. | Covered. Includes events like floods, earthquakes, etc. |
| Add-ons available | Limited or no add-ons. | Several add-on covers are available, such as zero depreciation, engine protection, etc. |
| Best for | Required for legal compliance. Best for older bikes or those used infrequently. | Best for new or expensive bikes, or areas prone to accidents or natural disasters. |
| Claim Settlement | Covers liability claims. | Covers both liability and own-damage claims. |
What Does Bajaj General Third Party Bike Insurance Cover and Not Cover?
Covered by Bajaj General Third Party Bike Insurance:
If you damage someone else's vehicle in an accident.
If someone gets hurt or dies because of an accident you caused.
Legal costs if you damage someone else's property.
Money for injuries or death to others as required by law.
Not Covered by Bajaj General Third Party Bike Insurance:
Damage to your own bike from an accident.
If the person with the insurance gets hurt or dies.
If your bike is stolen or lost.
Damage to your bike from natural events like storms or fire.
Any damage or loss if you ride without a legal license or while drunk or on drugs.
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Yamaha Bike Insurance₹ 457 View Plans FAQs
Yes, you can always change to the comprehensive insurance plan and have broader coverage, including damage to your own bike and theft protection.
If your insurance has expired and you cause an accident, you will be responsible for paying all the damages and legal costs out of your own pocket. It's important to renew your insurance on time to avoid such situations.
Yes, third-party insurance covers damages caused by your bike, no matter who is driving, as long as they have your permission to use the bike and are not excluded from your policy.
You can buy this insurance online through the Bajaj General website or by contacting an insurance agent. The process is straightforward, and you can get insured quickly.