Everything you need to know about Two – Wheeler Insurance

You know the feeling when you are riding your bike on the highway and the cold breeze is hitting your face. You feel the rush of adrenaline, pumping through your veins. The weather slowly starts to change, the clouds rush in, covering the natural headlights the sun was providing. The sky suddenly bursts with anger, and you lose control. Now think of that feeling, losing control of not just your bike but probably even your life (at that point).

To avoid this very feeling, people get a two wheeler insurance plan. If you do not already have one, `you need to go and purchase one right away. Not only is it mandatory to have a bike insurance, it is also essential for your own safety. The fastest way to avail a two wheeler insurance is online. Here is a guide to getting a two wheeler insurance.

· Types
There are several types of two wheeler insurance plans that are available, they usually differ from organisation to organisation. However, the most common types of two wheeler insurance plans are Comprehensive Two Wheeler Insurance and Third Party Liability Cover.

-The example mentioned above is a situation in which you find the need to avail a comprehensive insurance plan. Under this plan you can cover the losses incurred on you as well as your bike. It also covers you from third party liabilities. This plan is an all-round protective shield. It has a third party premium as well as an own damage premium.

-Third Party Insurance plan on the other hand only covers third party injuries and liabilities. This is usually taken because it is mandatory, you need to take this bike insurance for 3 years or more.
 
· Benefits
Every insurance policy comes with certain benefits as well. You can avail these benefits when you purchase the insurance policy. Again these benefits may differ from organisation to organisation. Some of these benefits may include, numerous cashless garages all over the country, 24/7 claim assistance service, branches all over the country to provide personal and hands on assistance.

· Add-on Benefits
These benefits are provided on selection. When you avail a bike insurance plan, you can customise the plan according to your needs. This is a protection cover for you and therefore it should be able to satisfy your needs. In order to do so, you can choose from a variety of add-ons. These add on benefits may also defer with every organisation. However, some popular ones are, Zero Depreciation Cover and Personal Accident cover for the occupant.

· Inclusions
Usually customers are confused about the inclusions in a bike insurance policy. These are the most common inclusions in a bike insurance
Ø Natural Disasters
Ø Manmade Disasters
Ø Accidents on the road
Ø Third party liability
Ø Personal accident cover

The above are all the basics you need to know while availing a bike insurance policy. Once you get one you can ride on the roads carefree, knowing that in case of contingencies you have a cover policy in place.