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National Comprehensive Bike Insurance Overview

As the name suggests, it offers comprehensive coverage for your bike. National Insurance two-wheeler comprehensive plan includes third party liability cover and builds on it. It offers coverage for Own Damage along with Third-Party Liability. National Insurance two-wheeler comprehensive plan offers coverage against natural calamities such as cyclones, earthquakes, hurricanes, etc.

It also covers man-made calamities in the form of strikes, riots, etc. The plan also offers a personal accident cover of INR 15 lakhs. However, policyholders who already have a personal accident cover of INR 15 lakh can choose not to take this cover.

National Claim Settlement Ratio




Industry Average

Bike claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. National has a claim settlement ratio of 93%, as compared to the industry average of 94.67%.

National Premium Calculator

Use our National bike insurance premium calculator to estimate National bike insurance premium for your bike within 30 seconds

Add-ons Available Under National Two Wheeler Insurance Plans

Add-ons are additional coverage benefits which can be chosen voluntarily by paying an additional premium. Add-ons help increase the scope of coverage of the bike insurance policy. National two wheeler insurance plans offer the following types of add-ons with the comprehensive policy:

During every repair or service, your needs consumables which do not have any significance after an accident. Getting a consumables add-on for your policy would ensure that you don’t have to pay for the consumables from your pockets. Common examples of consumables include grease, brake oil, engine oil, washers, screws, etc.

Nil or Zero depreciation add-on also aims at reducing any payments that you might have to do otherwise. For repairs or replacement, insurance companies usually consider the depreciated amount of a product. Thus, leaving you to pay the difference between the actual price and depreciated price. However, under this cover insurance company must pay the full amount for repairs.

This add-on comes in handy if the bike is stolen. Insurers pay the IDV or the insured declared value of the bike in the case of theft. But with this cover, the insurer will pay the total amount to you.

How To Raise A Claim Under National Comprehensive Bike Insurance

The claims process for National Insurance Two Wheeler Insurance Plans

A policyholder must carry out the following steps if they wish to claim their National Insurance two wheeler policy.

  1. Accidental Damage to the bike
    1. Registration certificate copy
    2. A copy of the driving license of the person riding the bike at the time of the accident
    3. Repair estimates
  2. Theft of Bike
    1. Submit a duly filled claim form
    2. Submit the final policy report as soon as you receive it
    3. Offer support and cooperate with the insurance company during investigation and claim settlement
  3. Third-Party Liability Claim
    1. Submit duly filled claims form along with a copy of the Registration Certificate, FIR and Driving License

Documents Required For Claims

Documents required to buy/renew a National Insurance Two-Wheeler Insurance Policy

To buy National Insurance two-wheeler insurance, you might have to submit the following documents:

  1. Identity proof (PAN, Passport, Driving License, Aadhar, etc.) of the owner applicant
  2. Registration number of the bike
  3. Original Registration Certificate of the bike
  4. Address proof (Passport, Driving License, Government identity card, etc.)
  5. A photograph of the applicant

For National Insurance renewal bike policy, you just need to provide your existing bike insurance policy number, along with some other details. Under most circumstances, one does not have to submit any additional documents for renewal other than:

  1. Previous policy details, if there is no change in the same
  2. Copy of the owner’s driving license

National Customer Care

Customer Care Number

How To Buy National Comprehensive Bike Insurance

Buy National Insurance two wheeler policy from the insurer’s website. You need to look for the buy option, look for the quote that they provide and if you are happy, you can proceed with the payment.

The easier alternative is to visit Turtlemint. The website will help you to buy a bike insurance policy with added convenience. Turtlemint allows its users to compare different policies and an enhanced search which makes things easier. To buy your policy from Turtlemint, you would need to do the following.

  • Visit https://www.turtlemint.com/two-wheeler-insurance
  • Enter the registration number of your bike
  • The website provides various available plans
  • Provide details of your bike such as
  • Manufacturer
  • Model
  • Year of manufacture
  • Fuel type
  • Variant
  • Previous policy details
  • Claims made during the previous policy
  • Previous policy provider
  • Assess the plans and premiums on offer
  • Proceed with the purchase of the plan that you are most satisfied with
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