Hello Ajay, thank you for your message. Two-wheeler insurance usually covers damages resulting from accidents, theft, natural disasters, and third-party liabilities. However, it may not cover damages caused by regular wear and tear, mechanical or electrical breakdowns, driving under the influence of alcohol or drugs, or illegal activities.

There are two types of policies available for two-wheeler insurance. The first is third-party bike insurance, which covers damages caused to third-party property or injuries sustained by a third party in an accident involving your bike. However, this policy does not cover damages to your bike or injuries you sustain in an accident.

It's important to have third-party bike insurance to protect yourself from financial liabilities and comply with the law. In case of an accident, having a third-party bike insurance policy can provide peace of mind and financial security.

The second option is comprehensive third-party insurance, which covers damages to the third party's property or injuries sustained by a third party in an accident involving your bike. This policy also covers damages to your bike and injuries you sustain in an accident up to the policy limit.

While comprehensive third-party insurance provides more coverage than a basic third-party insurance policy, it's also more expensive. However, the additional coverage provided by a comprehensive policy can provide greater peace of mind and financial security in case of an accident.

For more information about two-wheeler insurance, please click here.