INTRO
Whether you ride a motorcycle, scooter, or moped, two-wheeler insurance is both a legal requirement and a smart financial safeguard. Given that two-wheelers are among the most vulnerable vehicles on Indian roads, having the right insurance can make a significant difference when things go wrong.
Sama Insurance Brokers helps you choose the right two-wheeler insurance plan — one that provides real protection without unnecessary cost.
TYPES OF TWO WHEELER INSURANCE
Third-Party Insurance (Mandatory) Covers your legal liability towards third parties for injury, death, or property damage arising from an accident involving your two-wheeler. Mandatory for all two-wheelers on Indian roads.
Comprehensive Insurance Covers both third-party liability and own-damage. Highly recommended for newer or higher-value bikes and scooters.
Own Damage (OD) Cover Covers damage to your own two-wheeler from accidents, theft, fire, and natural calamities.
WHAT IS COVERED
✅ Accidental damage to your two-wheeler
✅ Theft
✅ Fire and explosion
✅ Natural disasters (floods, earthquakes, etc.)
✅ Third-party injury or death
✅ Third-party property damage
✅ Personal accident cover for the rider
ADD-ONS AVAILABLE
- Zero Depreciation Cover
- Roadside Assistance
- NCB Protector
- Engine Protection Cover
- Accessories Cover
HOW WE HELP
- Comparison across multiple insurers for your specific bike/scooter model
- Renewal reminders so your policy never lapses
- Claim guidance when you need it most
- Simple, jargon-free advice
FAQ
Q: Is two-wheeler insurance mandatory in India?
A: Yes. At minimum, third-party insurance is mandatory under the Motor Vehicles Act.
Q: How is the premium for two-wheeler insurance calculated?
A: Premium depends on the IDV (Insured Declared Value), age of the vehicle, engine capacity (cc), city of registration, and add-ons chosen.
Q: What is the benefit of zero depreciation cover for a two-wheeler?
A: Under standard policies, claims are settled after applying depreciation on parts. Zero depreciation cover means you receive the full cost of parts replacement without deduction for depreciation.
