7 Things to Check When buying Bike Insurance Online

Securing bike insurance online is vital for motorcycle owners, providing financial protection against potential damage or loss. Online insurance policies offer convenience and ease of purchase, but with numerous options available, selecting the most suitable policy can be daunting. Understanding the seven key factors to consider in a bike insurance online policy ensures comprehensive coverage tailored to your needs.

7 Things to check while buying Bike Insurance Policy

Now, let’s examine each of these aspects more closely to understand why they’re important:

Add-On Covers

Many insurance companies offer extra protections that you can add to your basic policy to give your bike more coverage. These extras are called add-ons and let you personalize your policy to fit your needs. Some common add-ons include zero depreciation cover, engine protection cover, and coverage for pillion riders.

Before you buy any extra coverage, make sure you know what it offers and if it's really needed for your bike. Some extras might not be useful for your bike or might already be included in your basic policy. So, be careful not to spend money on things you don't really need.

Coverage and Premium

The most important thing to think about is what the policy covers and how much it costs. Read the documents carefully to know exactly what protection the insurance company offers. Make sure the online bike insurance policy pays for any damage to your bike, like theft, accidents, natural disasters, and if you hurt someone else.

Network Garages

Many insurance companies work with specific garages called network garages. If your bike gets damaged, you can get it repaired at these garages without paying cash upfront. These garages do good quality repairs to make sure your bike looks like it did before it got damaged.


Exclusions are things that your bike insurance won't pay for if they happen. Knowing what these exclusions are helps prevent confusion when you make a claim. Some common exclusions are damages from driving drunk, driving without a valid license, and damages you do on purpose.

Make sure to carefully read the policy papers and know what things are not covered. If you're unsure about anything, ask the insurance company before you buy the policy.

Renewal Process

Bike insurance lasts for a certain time, then you have to renew it. It's important to renew it on time so you don't lose coverage. Many insurance companies let you renew your policy online, which is easy and handy.

Claims Process

Making a claim is really important when you have bike insurance. You need to know how to do it and what papers you need. Some insurance companies make it easy, but others might have harder steps.

Before you buy bike insurance, look at how often the company pays claims and what people say about how they do it. Make sure they handle claims fast and well to avoid waiting a long time to get your money

Customer Reviews

Before you get insurance, see what other people say about the company. Reviews from customers can tell you if the company gives good service. Look at both good and bad reviews to understand how well the company works.

Look at reviews on the insurance company's website, Facebook, and other places like Google Reviews and Trustpilot. If you can, talk to people who already use the insurance company to learn more about what it's like.


In conclusion, having bike insurance is really important. When you’re buying it online, make sure to look at the 7 things to make sure you’re fully covered. Compare how much it costs and what it covers from different companies. Understand the extra things you can add, what’s not covered, and where you can get repairs done. Also, read what other people say about the company before you decide. This way, you can make sure you get the best insurance for your motorcycle.