Motorbikes are one of the most convenient modes of transportation. If you reside in one of the main cities, biking to work can save you a lot of time. Remember that motorcycles are more economical to purchase, maintain, and operate than automobiles. To ensure a pleasant bike ownership experience, getting insurance for a two-wheeler online is advisable.

There are numerous reasons why insurance for a two-wheeler is needed. It is prohibited to ride a bike without a valid insurance policy. If detected by the traffic police, you will be subject to a heavy fine.

In addition, riding a motorbike is fraught with numerous possible hazards. Purchasing your two-wheeler insurance coverage will help you avoid many of these predicaments. One of them is a natural catastrophe.

A natural disaster is a disastrous event that can inflict substantial harm to people, property, and vehicles. It is crucial to have enough coverage should a natural disaster strike your area of residence.

How Natural Disasters Can Affect You

Many natural disasters have struck India recently. Natural disasters can range from earthquakes to cyclones to flooding. Over 108 billion individuals in India were harmed by natural disasters in 2021, according to a report. A natural disaster with a brief duration can cause extensive damage to humans and their belongings. And the effects are not restricted to urban or rural areas alone.

Coverage Offered By Your Motorcycle Insurance

In India, a minimum third-party liability policy is required to ride a motorbike legally. Therefore, you must purchase comprehensive bike insurance online to protect against unanticipated events.*

A complete policy can protect your bike from natural disasters like cyclones, hurricanes, earthquakes, and hailstorms. Also, it can safeguard your bike from harm caused by humans, such as during a strike, vandalism, riot, theft, etc.*

How is a Complete Insurance Beneficial During a Natural Disaster?

Should either of these occurrences occur, make sure your bike is insured and protected accordingly.

Additional Helpful Accessories for Natural Disasters

Although a comprehensive policy provides significant coverage for your motorbike in most typical situations, more is needed. This is where an add-on can significantly simplify your life. You can choose specialised coverage if necessary. Consider the following accessories to safeguard your bike from natural disasters.

  1. No Depreciation Coverage

When your bike ages, its value depreciates. In other words, the insurance company would only reimburse you for the depreciated value of any damaged or replaced parts. But zero depreciation assures that your bike will be fixed and its parts replaced without you having to pay for depreciation. Thus, it is a crucial protection against natural calamities.*

  1. Engine Damage

The engine protection add-on covers all costs of replacing or repairing damaged engine components due to a natural disaster. Typical damages include the loss of engine parts, lubricant leakage, coolant loss, and hydrostatic lock, among others.*

  1. Consumables Protection

Often, a bike insurance policy does not include consumable coverage as part of a claim. This accessory will save you money on those fronts. In the course of a service or repair, numerous consumables are utilised. ##

Is your bike’s total loss due to a natural disaster covered by your insurance?

Yes, your bike insurance covers total loss in the event of natural disaster-related damage. Typically, insurance companies consider a bike a total loss if the repair costs exceed 75% of its insured declared value. If such an occurrence occurs, the insurance provider will compensate you with the IDV. *



A natural calamity might inflict significant harm even if you park your bike safely. Online comprehensive bike insurance is one of the most innovative methods to protect your bike from such events. Compare various providers and save up with the help of a two-wheeler insurance premium calculator.

*Standard T&C Apply

##All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply

‘Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.‘



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