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national two wheeler insurance

Bike Insurance Plans

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National Two Wheeler Insurance

One of India’s oldest general insurance companies, National Insurance Company Ltd, was established in the year 1906 in Kolkata. It merged with 21 foreign and 11 Indian companies under the Business Nationalization Act in 1972 and formed one of four subsidiaries of General Insurance Corporation of India. In 2002, National Insurance separated from General Insurance Company to form an independent insurance company.

National Insurance has over 1700 offices all over India and a foreign office in Nepal in addition to over 50,000 agents and 13,000+ skilled employees.

A Glimpse of National Two wheeler Insurance



Annual comprehensive policyAnnual package that covers own damage as well as third-party liability
Annual third-party liability policyAnnual package that covers only against third-party liability
Long-term comprehensive policy2 or 3-year package that covers own-damage as well as third-party liability
Long term third-party liability policy2 or 3-year package that covers only against third-party liability
5-year comprehensive policy5-year package that covers own-damage as well as third-party liability for new vehicles purchased on or after 1 September 2018
5-year third-party liability policy5-year package that covers only third-party liability for new vehicles purchased on or after 1 September 2018
Bundled policy1 year own-damage and 5-year third-party liability policy for new vehicles purchased on or after 1 September 2018

Features and Benefits of National Two wheeler Insurance

Enjoy a host of features and benefits when you sign up with National Two wheeler Insurance such as:

  • The premium required to be paid for National’s two wheeler insurance is competitive and affordable.
  • You can choose from a multitude of add-ons to boost coverage for your vehicle.
  • Claim settlements are made easier thanks to a dedicated team of customer service representatives.
  • You have the freedom to purchase your policy online as well as offline.
  • No claim bonuses give you the opportunity to seize a sizable discount on your premium amount.
  • Roadside assistance is just a call away with the roadside assistance add-on.
  • Purchase long-term insurance for your bike at affordable rates and ensure you’re covered for up to 5 years.
  • If you’re bogged down by doubts and queries, simply call the company’s customer care to have all your questions answered.
  • Along with a personal accident cover for the owner driver, National two wheeler insurance also offers coverage to the pillion rider for up to INR 1 lakh.

Coverage Under National Two Wheeler Insurance

With choices between comprehensive, third-party liability, and bundled packages, along with several add-ons, National two wheeler insurance provides financial security under numerous circumstances.

These include coverage against damage in the event of:

  • Fire, self-ignition, lightning, or explosion
  • Theft and burglary
  • Natural calamities – floods, earthquakes, cyclones, landslides, hailstorm, and thunderstorms 
  • Malicious act
  • Terrorism
  • Transit via air, inland waterway, road, or elevator
  • Riots and strikes

Add-Ons Coverage By National Insurance

If you require additional coverage for your vehicle, you can opt for add-ons along with your policy.

Invoice Protection

This add-on covers the difference between the insured declared value of your vehicle and its invoice value.

Engine Protection

This add-on protects you from expenses arising from problems with the engine of your vehicle.

No Claim Bonus Protection

A no claim bonus is offered to the policyholder at the time of renewing the policy, provided a claim was not filed during the previous term. Offered as a discount on the premium, the bonus can lapse if a claim is filed in the subsequent term. The no claim bonus protect add-on provides protection against the loss of this bonus in the event a claim is filed.

Nil Depreciation

This add-on is a great way to bridge the gap created by depreciation of the value of replaced parts of your vehicle.

Vehicle Part

% of Depreciation

Rubber / nylon / plastic 50%
Tyres and tubes 50%
Batteries 50%
Fibre-glass components 30%
Glass 0%
Paint material 50%

For all other parts, including those made of wood -

Age of Vehicle

% of Depreciation

Less than 6 months 0%
6 months to 1 year 5%
1 year to 2 years 10%
2 to 3 years 15%
3 to 4 years 25%
4 to 5 years 35%
5 to 10 years 40%
Above 10 years 50%

Learn About IDV With National Two Wheeler Insurance?

IDV or insured declared value is the amount for which a vehicle is insured. This amount is calculated based on the age of the vehicle, its make, and model. The depreciation based on these factors is deducted from the invoice value of the vehicle to derive its insured declared value. If the vehicle is over 5 years, it is considered as an obsolete model and the IDV is amicably agreed upon by the policyholder and the insurance provider.

Age of Vehicle


Less than 6 months95% of invoice value
6 months to 1 year85% of invoice value
1 year to 2 years80% of invoice value
2 to 3 years70% of invoice value
3 to 4 years60% of invoice value
4 to 5 years50% of invoice value

Exclusions - What A National Two Wheeler Insurance Doesn’t Cover

All insurance providers set circumstances as standard exclusions that are not covered under the policy.

  • Expenses arising from normal wear and tear of the vehicle.
  • Expenses arising because of previous damage.
  • Loss incurred while driving without a valid license.
  • Loss incurred when driving under the influence of alcohol and / or any other intoxicant.
  • Expenses arising from damage due to war or warlike situations.
  • Claims filed due to contractual liability.
  • Breach of terms with regards to use of vehicle – for example, using a private vehicle for commercial purposes.

How Do I Purchase or Renew My National Two wheeler Insurance Policy?

National two wheeler insurance gives you the option to purchase its policies offline as well as online.

1. Offline Process

Step 1

You can walk into any of the company’s offices or speak to an authorized agent

Step 2
Fill in the form, and submit it along with the required documents
Step 3
You will receive a quote for your premium
Step 4
Once you make the payment, you will receive the policy document in person, or it can be mailed to your address.

Alternatively, you can choose to buy the policy online.

2. Apply Or Renew On Probus

Step 1

You can walk into any of the company’s offices or speak to an authorized agent

Step 2

Fill in your basic details - name, contact number, and email address - along with details regarding your vehicle like make, model, and registration year. You will need to mention whether the vehicle was previously insured. If it was, then provide the details of the previous policy.

Step 3

Go through the choices listed out and choose the two wheeler insurance that suits you best and pick add-ons to go with it.

Step 4
Make the premium payment on the payment page. You will receive a copy of your policy document in your email.

3. Apply or Renew on The Official National Insurance Website

Step 1

Go to the official website and click on ‘Buy New Policy’. If this is your first visit, you can choose to create an account or simply continue as a guest.

Step 2
Choose the type of insurance you wish to purchase and click on CHECK PREMIUM.
Step 3

Fill in your details, choose any add-ons that you may want to purchase, and submit.

Step 4

Make the payment on the payments page and the policy document will reach your email address.

How Do I Make A Claim?

The whole point of buying an insurance policy is to protect yourself from financial ruin in an unforeseen and untoward event. So, when the time comes to file a claim, follow these steps for a smooth process.

In case of an accident and damage to your vehicle

  1. Submit a written intimation to the insurance office that issued your policy or the branch closest to you or call the toll-free number to intimate the company of your claim at once.
  2. A spot survey may be arranged by the insurance provider in case of major damage to the vehicle.
  3. Duly fill a claims form that you can get from the office and submit it along with the following documents –
    • A copy of the vehicle’s registration certificate
    • A copy of the driver’s license of the person driving the vehicle at the time of the accident
    • An estimated cost of repairs
  4. Before you begin repairs, wait until it is assessed by an IRDAI licensed surveyor appointed by the insurance provider.

In case of theft of the vehicle

  1. Go to the police station that has jurisdiction over the area from where your vehicle was stolen and file an FIR.
  2. Inform the office where your policy was issued of the theft and impending claim. Also, inform your regional transport office of the event.
  3. Submit a duly filled claim form,
  4. Hand over the final police report to the insurance provider as soon as you get it.
  5. An investigator will be appointed by the insurance company. Cooperate with them for a smooth experience.

In case of a third-party liability claim

  1. Immediately inform the insurance provider of the impending third-party claim.
  2. When the court sends you the summons, send it to your insurance provider.
  3. Submit a duly filled claims form along with copies of your vehicle’s registration certificate, your driving license, and the FIR.

Learn About Premium And It’s Calculation

When you buy an insurance policy, you pay a certain amount to the insurance provider. This is known as a premium. The premium amount of any policy takes into consideration a range of factors that determine its value.

If you want to buy a two wheeler insurance policy, the company looks at a variety of factors to determine the value of your premium. These factors include:

  • The age of your vehicle
  • The place it is registered
  • The vehicle’s make and model
  • The policyholder’s age
  • The policyholder’s occupation
  • The policyholder’s area of residence.

Ways To Bring Down The Cost of Your Premium Are

  1. Opting for a higher voluntary deductible – A voluntary deductible is the agreed upon amount that you, as a policyholder, pay as an excess when filing a claim. Any amount over and above it is paid by the insurance provider. By choosing to pay a higher deductible, you may be eligible for a discount on your premium.
  1. Select only essential add-ons – Purchasing numerous add-ons for a vehicle that is rarely used can hike up your expenses substantially. Instead, choose only essential add-ons that won’t burn a hole through your pocket.
  1. Longer policy term – Consider renewing or applying for a longer term for your policy. This is a smart way to reduce your overall premium amount.
  1. Anti-theft device – By securing your vehicle with an anti-theft device, you can reduce your premium amount. Insurance providers offer discounts to policyholders whose bikes are fitted with devices to safeguard against theft.
  1. No claim bonus – If you have not filed a claim in your previous policy term, you may be eligible to receive a no claim bonus. This bonus is offered as a discount on your premium. The higher the number of years for which a claim was not filed, the higher the discount you receive on your premium.

No of years of no claim filed

No claim bonus allowed

0 0%
1 20%
2 25%
3 35%
4 45%
5 or more 50%

Frequently Asked Questions

You can log into the portal on National General Insurance’s website and enter your policy number to check its status.

You can choose to pay cash at the counter of any of National General Insurance’s offices. Alternatively, you can opt to pay your premium online via credit or debit card, or net banking.

The short answer – absolutely! While you may not be able to renew your two wheeler’s insurance policy, you can certainly purchase a new one.

Yes, you can. You can submit a duly filled surrender form at any of the branches of National General Insurance. Once the request is processed by the company, your policy will stand cancelled. If you are to receive any refunds, the dues will be transferred to the bank account for which you have provided details.