RIDER Things to Verify: What to Verify Before Taking Out a New Bike Insurance Policy


Getting insurance for your new motorcycle is not just a legal requirement but also a wise financial decision. Motorcycle insurance provides protection against unforeseen events and accidents on the road. However, before you sign on the dotted line for a new bike insurance policy, it’s crucial to do your homework. In this comprehensive blog, we’ll discuss the essential things you need to verify before taking out a new bike insurance policy.

1. Coverage Types

Understanding the different types of coverage available is the first step in choosing the right insurance policy. The three main types are:

a. Third-Party Liability Insurance: This is the minimum coverage required by law and covers damages to others’ property and injuries to third parties in an accident you caused.

b. Comprehensive Insurance: Provides coverage for both third-party liabilities and damages to your own bike due to accidents, theft, fire, vandalism, or natural disasters.

c. Own Damage Insurance: Covers damages to your bike but not third-party liabilities.

Evaluate your needs and budget to decide which type of coverage is suitable for your new bike.

2. Policy Premium

Insurance premiums can vary significantly depending on factors like your bike’s make and model, location, age, and your driving history. Get quotes from multiple insurance providers and compare premiums and coverage. Look for discounts that may be available for factors like a safe riding record, anti-theft devices, or bundling with other insurance policies.

3. Deductibles

Deductibles represent the sum you need to personally cover before your insurance policy takes effect. Higher deductibles typically result in lower premiums, but it means you’ll have to pay more in case of a claim. Assess your financial situation and choose a deductible that can aligns with your comfort level.

4. Policy Exclusions and Inclusions

Read the print of your insurance policy carefully. Understand what’s covered and what’s not. Policies often have exclusions for specific situations or modifications to your bike. Make sure you’re aware of these exclusions to avoid surprises later.

5. Coverage Limits

Check the coverage limits within your policy. There may be limits on the maximum payout for different categories of claims, such as damage to your bike, medical expenses, or third-party liability. Ensure that these limits meet your needs and expectations.

6. No Claim Bonus (NCB)

If you have a good track record of not making claims, you may be eligible for a No Claim Bonus, which can significantly reduce your premium. Verify if the insurance provider offers this and understand how it works.

7. Network of Garages

Check the network of garages or repair centers where you can avail of cashless repairs. Having access to a wide network can be very convenient in case of accidents or damage to your bike.

8. Customer Service and Claim Process

Research the insurance company’s reputation for customer service and their claim settlement process. Read reviews and ask for recommendations to ensure you’re dealing with a reliable insurer that will provide assistance when you need it the most.

9. Add-Ons and Riders

Explore any additional coverage options or riders that you can add to your policy. These may include coverage for accessories, pillion riders, or roadside assistance. Assess if these extras aligns with your needs.

10. Renewal Process

Finally, understand the renewal process for your insurance policy. Verify if there’s an automatic renewal option and the steps you need to take to continue your coverage seamlessly.


Taking out a new bike insurance policy is a significant decision that involves several factors. By verifying these essential aspects before purchasing a policy, you can ensure that you have the right coverage to protect your new bike and your financial interests. Don’t rush the process; instead, take the time to choose an insurance policy that provides peace of mind every time you hit the road on your motorcycle.

“I’d love to hear from all you fellow bike enthusiasts out there! What topics or biking experiences would you like to see featured in the next blog post? Drop your suggestions in the comments below, and let’s keep the pedal-powered conversation going!”

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