Owest Two Wheeler Insurance Online

When it comes to protecting your two-wheeler, the good news is you don’t have to break the bank. Finding the lowest two-wheeler insurance online is easier than ever, thanks to digital insurers offering streamlined, affordable policies.

In this guide, we’ll explore why bike insurance is crucial, compare the most affordable providers, and provide a few tips for making sure you get the best deal without sacrificing coverage.


Bike insurance isn’t just a legal requirement—it’s a safety net that can save you from costly repairs, replacements, and liability. Here’s why it’s a must:

  • Financial Protection: Covers your bike in case of theft, accidents, and damages.
  • Liability Coverage: Protects you if you’re responsible for injuries or damages to others.
  • Peace of Mind: Knowing you’re covered gives you confidence on the road.
Benefits 🌈Drawbacks ❗
Fast and easy process onlineLimited in-person assistance
Low premiums due to reduced costsMust have internet access
Instant issuance of policiesDependent on customer reviews online
Convenient renewal & claims processNo physical offices

Here’s a comparison of some of the most popular online two-wheeler insurance providers. Each offers unique benefits, so finding the right one depends on what matters most to you: premium price, claim process, or coverage options.

ProviderPremium RangeKey FeaturesBest For
Acko₹500 – ₹2,000 annuallyInstant claims, 100% digitalBudget-conscious
Digit₹700 – ₹2,500 annuallyFlexible coverage, easy renewalFlexible coverage
ICICI Lombard₹900 – ₹3,000 annuallyWide range of add-ons, high claim ratioExtra coverage
Bajaj Allianz₹800 – ₹2,800 annuallyRoadside assistance, cashless networkRoadside assistance
HDFC ERGO₹1,000 – ₹3,200 annuallyComprehensive plans, easy claimsAll-round coverage
  1. Compare Premiums: Different insurers have varied premium rates. Use online comparison tools to compare quotes.
  2. Choose Essential Coverage: Comprehensive plans cover more but can be pricey. Decide if third-party coverage or add-ons like roadside assistance are worth it for your budget.
  3. Look for Discounts: Some companies offer discounts if you have no prior claims, use anti-theft devices, or are a long-term customer.
  4. Check Claim Settlement Ratio: The claim settlement ratio (CSR) shows how often a company settles claims. A high CSR can make a difference in getting quick claim payouts.

Getting bike insurance online has perks that traditional methods often don’t offer:

  • Convenience: You can compare, buy, and renew insurance policies from your phone or computer anytime.
  • Discounted Premiums: Online platforms don’t require intermediaries, often resulting in better rates.
  • Immediate Documentation: You get your policy documents instantly after purchase—no waiting around.

For those still wondering if they need insurance, think of the alternatives. An accident or theft without insurance could lead to significant out-of-pocket expenses.

Not to mention, riding uninsured is illegal in most places and can result in fines. Bike insurance brings not just financial security but also peace of mind knowing that you’re protected if something happens.


If you’re looking for the lowest two-wheeler insurance online, Acko and Digit offer some of the best low-premium options with hassle-free, fully digital experiences.

ICICI Lombard and HDFC ERGO provide more comprehensive options if you’re looking for add-ons like theft protection, personal accident cover, or roadside assistance.

Ultimately, pick an insurer based on what’s most important for your situation—whether it’s premium affordability, convenience, or additional protections. Ride safe and stay protected!


What’s the cheapest two-wheeler insurance I can get?

Basic third-party insurance is generally the cheapest option but doesn’t cover damage to your bike. Comprehensive coverage might be a better value.

How do I renew my two-wheeler insurance online?

Most insurers offer a simple renewal option on their website or app. You just need your policy number and a payment method.

Does low-cost insurance mean low-quality coverage?

Not necessarily. Many online insurers offer quality policies at lower rates due to reduced overheads.

Can I add coverage later?

Yes, many providers allow you to add coverage options when you renew your policy.

What’s the difference between third-party and comprehensive coverage?

Third-party insurance only covers liability to others. Comprehensive insurance includes coverage for your bike’s damages as well.