Two Wheeler Key Benefits

Two Wheeler Long Term Key Benefits

Coverage up to 3 years in Single Insurance

One-time payment

Buy/Renew Insurance for Two Wheeler for a period of two or three years.


Comprehensive coverage

Coverage for your two wheeler, accessories,damages to Third Party property and life.


Transfer No Claim Bonus

Transfer your NCB when you move your insurance to Royal Sundaram from other insurers.


Protection of No Claim Bonus

NCB will not become nil in case of one claim during the currency of the policy.


Protection from inflation

No need to pay any extra premium even if there is an increase in Third party premium during the course of the policy period.


Easy to Keep Record for Bike

Only one policy document will be issued for the entire policy period of 2/3 year.




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About twowheeler

Why Royal Sundaram Two Wheeler Insurance?

Buy or Renew your two wheeler insurance instantly online and save your time and money.


Insurance for brand new two wheeler

Buy Insurance for Brand New Two Wheeler for a period of two or three years.


Claim settlement

Claim settlements processed within 10 working days.


Comprehensive coverage

Comprehensive coverage for your two wheeler, accessories, damages to Third Party property and life.Owner cover up to 15 lakh in accident cases.


Owner-Driver cover up to 15 lakh in accident cases

Owner-Driver cover up to 15 lakh in case of a bike accident.

Twowheeler Coverage


We provide the comprehensive two wheeler insurance package policy designed to provide complete protection for your two wheeler.

Loss or Damage to your Two Wheeler


Liablity to Third Parties


Personal Accident Cover


This two wheeler Insurance policy covers any loss or damage caused to the vehicle due to the following natural and manmade calamities:

  • Accidental & External Damage
  • Fire & Explosion
  • Riot & Strike
  • Malicious Act
  • Burglary, housebreaking/ Theft
  • Landslide
  • Earthquake
  • Storm and Flood
  • Terrorism
  • Wear and tear, Depreciation or any consequential loss.
  • Mechanical/ electrical breakdown.
  • Damage caused by a person driving the vehicle without a valid license.
  • Damage caused by a person driving the vehicle under the influence of alcohol or drugs.
  • Other exclusions as per the policy terms and conditions.
Twowheeler Claims


Procedure to make Two Wheeler Insurance Claim

As soon as a claim occurs, please call us at 1860 425 0000 or write to us at, our customer service executive will be happy to help you with the claims procedure.


1.Inform Royal Sundaram immediately and keep the following details on hand:

  • Policy Details
  • Contact Details
  • Loss Details

2.Please refrain from dismantling or repairing the vehicle before survey is completed.


3.Survey will be arranged on receipt of claim intimation and submission of detailed estimate of repairs from the repairer.


4.Documents must be provided to the repairer/surveyor prior to survey.


5.Duly filled and signed claim form. Please note that it is mandatory to update Aadhaar and PAN details. For company owned vehicles, signature of authorized signatory along with company seal is required.


6.Registration Certificate of the vehicle along with photocopy. Original to be verified and returned.


7.Driving License of the driver at the time of accident along with photocopy. Original to be verified and returned.


8.FIR from police station if third party death/ injury or property damage.


9.If the claim amount exceeds Rs. 1,00,000, we require a copy of your PAN Card along with a recent passport photo.


10.Other documents may be requested based on the requirements of the claim.


11.If all documents are found to be in order, we will arrange for cashless facility. You may collect the vehicle after completing a satisfaction voucher and paying any amount as required.


12.For Non cashless claims (reimbursement claims), original cash bill or Invoice with cash receipt is required for settlement of claim.


13.Vehicle may have to be produced for re-inspection, if requested by surveyor.

Twowheeler Faq


Questions about Two Wheeler Insurance? Get your answers here.
Twowheeler Tips

Tips & Articles on Two Wheeler Insurance


Selecting the best Two Wheeler Insurance online

You may be a young college student who has just been gifted a new bike or a working woman who has bought a new two-wheeler to commute to the office. For sure, a new two-wheeler makes your life simpler. It does not only reduce your expenses, it also cuts short your travel time.

Why should you consider IDV when buying bike insurance?

While buying an insurance policy, it becomes quite difficult for a common man to understand several jargons that are there in a document. IDV or insured declared value is one such important term that you will come across while buying or renewing your bike or car insurance policy.

How to Change Your Two Wheeler Insurance Policy Online?

A two-wheeler is the best convenient mode of transport in India. However, recently the number of two wheeler accidents has been increasing and this has caused anxiety amongst riders.

What does your Two Wheeler Long Term Insurance Cover?

Read this article to know how two wheeler insurance protects your vehicle against any accidental damage. Visit now to know more tips articles on insurance products.

Two Wheeler Terms and Condition

Policy Terms and Conditions

We request you to carefully read and understand the Terms and Conditions, before you buy the Policy. All claims are processed strictly according to it. Please speak or chat with our Customer Support Team, if you need any clarification.

5 Years Two-Wheeler Liability Only Policy : IRDAN102RP0002V01201819
Bundled Two-Wheeler Long Term Policy: IRDAN102RP0006V01201819
5 Years Two-Wheeler Package Policy: IRDAN102RP0004V01201819
Two wheeler long term UIN NO: IRDAN102P0002V01201617
Standalone Motor Own Damage Policy Two Wheeler: IRDAN102RP0002V01201920
Long Term
5 Year Liability Only Policy
Bundled Long Term Package Policy
5 Year Package Policy
Standalone Motor Own Damage Policy Two Wheeler
Happy Customers Portlet

Our Happy Customers

  • Happy Custpmer
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    Mr. Arijit Kaul

    Thank you very much for your response. This is exactly what I needed.

    Posted on : 08/04/2019
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  • Happy Custpmer
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    Mr. Gopal VS

    Wow what a timely response...Thanks.

    Posted on : 08/04/2019
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  • Happy Customer
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    Mr. Nilamadhab Das

    I like to appreciate the customer care officer, who was interacting with me on phone and resolving my queries. Its being last day in my office to submit investment proofs, I was looking for my medical policies payment acknowledgments. During the conversation our call got disconnected and I had to call again. He again connected with me and finally sent my document.

    Posted on : 10/04/2019
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  • Happy Customer
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    Mr. Girish Malge

    I would really like to say thanks to you for the satisfactory services from Royal Sundaram. I also would like to appreciate your service,support and guidance to settle claim in time, your staff also is well mannered and supportive.Thank you once again.

    Posted on : 28/03/2019
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