Two-Wheeler Insurance
Comprehensive cover for bikes, scooters and superbikes.
Understanding Two-Wheeler Insurance.
Two-wheeler comprehensive insurance combines Own Damage with mandatory Third-Party Liability — extended with zero-depreciation, return-to-invoice, engine protect and roadside assistance add-ons.
Two-wheelers see the highest accident frequency on Indian roads — comprehensive cover with good add-ons is essential.
What's actually inside this cover.
- OD + Third-Party combined
- Zero-dep, RTI, consumables
- Roadside assistance
- Pillion-rider PA cover
- Own damage from accident, theft, natural events
- Third-party liability
- Owner-driver PA cover
Actual cover is subject to insurer wording, sub-limits, deductibles and exclusions. Please read the policy wordings carefully before concluding a sale.
How we place it.
One team — from the first conversation to the first claim.
- 01
Profile and exposure review with a Labdhi expert
- 02
Wording, sub-limit and pricing comparison across leading insurers
- 03
Cover binding with the optimal terms and add-ons
- 04
Renewal review and end-to-end claims support
When it actually pays.
Illustrative scenarios — real outcomes depend on insurer wording.
Bike stolen from parking; theft claim settled at IDV.
Accident damage repaired cashless at network garage.
Why Labdhi for this?
As a licensed insurance broker, Labdhi compares wordings, sub-limits and pricing across multiple insurers, structures the policy around your real exposures, and supports you end-to-end through documentation, renewals and claims.
Have these ready and we can move the same day.
A short list either way. For a renewal, the claim confirmation matters — it decides whether your no-claim bonus carries over.
- Proforma invoice
- RTO office
- Existing policy
- RC copy
- Confirmation about any existing claim
Send them across on WhatsApp or email and we will come back with options. If something on the list does not apply to you, tell us and we will work around it.
Is your Two-Wheeler Insurance cover actually enough?
Most people discover the gap in their protection at the worst possible moment — at claim time. Shield360™ is our 4-minute risk profiler that scores your insurance coverage, highlights gaps, and gives you a personalised report you can download.
- Protection Score
A single 0–100 number showing how well-covered you really are.
- Gap Analysis
Identifies under-cover across life, health, income and assets — instantly.
- Downloadable Report
Branded PDF with your scores, gaps and suggested next steps.
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