What is Bike Insurance?
When it is just you and your bike, the possibilities are endless. You have amazing moments but also some bad ones.
That’s why Generali Central’s Motor Protect Two-Wheeler Package Policy is essential to protect you when the times are rough. Invest in bike insurance to safeguard your memorable journeys. Our insurance covers your bike for damages and you from any financial losses.
Why buy Bike Insurance
You should buy a bike insurance cover because it offers financial protection against
Any loss or injury of the driver or the passenger
Your bike is stolen or you get in an accident
Any damage caused to your vehicle by a natural disaster
Any third-part damages and liabilities
What is in it for you?

THERE ARE ADDITIONAL BENEFITS FOR YOU!
Instant policy issuance and renewal
Add-on benefits and discounts
24*7 Roadside assistance
Towing assistance (for accidents)
Hassle-free claim process
3500+ partner workshops across India for cashless claims
GCI Xpress and Xpress+ for personalized service and faster claim settlements
Features
Roadside Assistance
Stranded on the road or met with an accident? Why should such mishaps stop you? Our Roadside Assistance is at your service 24x7.
GCI Xpress & Xpress+
A simplified process to offer you a more personalised service at the same time smooth and speedy claims settlement.
What is covered?
INCLUSIONS
Bike Damages
If your bike has suffered damages due to an accident or theft, don’t worry! Our insurance will compensate for all losses.
Personal Accident
Accidents can never be predicted. Therefore, our insurance provides accident cover up to Rs. 15 lakhs.
Third-Party Liability
Sometimes, it’s not you who has to suffer the consequences. Stay protected in such situations with our bike insurance’s third-party liability cover. It compensates for the damages against property, bodily injury, or death to a third party.
Additional Legal Liabilities
- Paid driver/conductor/cleaner employed in operation of the bike.
- Employees travelling in/driving the bike other than paid driver.
- Non-fare paying passengers.
Other Benefits
Zero Depreciation
Works like anti-ageing. We forget your bike is old and depreciated and offer you full claim value
Loss of Personal Belongings
Don’t lose hope. You can always take a new phone, laptop, etc. with the benefit we offer you
No Claim Bonus
We allow you to have an NCB advantage at the time of renewal, even if you claim in the previous year
Return on Invoice
We even stand with you when your bike becomes a total loss after damage. We pay you the difference in the insurance value and invoice price of the bike
What is not covered?
EXCLUSIONS
Normal wear, tear and general ageing of the vehicle
Any damage to / by a person driving the vehicle without a valid license
Loss or damage due to war, mutiny or nuclear risk
Any accident outside the geographical area
Any damage to / by a person driving the vehicle under the influence of drugs or liquor
How Can I Purchase Generali Central Bike Insurance?
Simply provide us a few details
All you need to do is give us the following for a quote:
Registration number
Bike make and model
Year of manufacture
Review your quote
Select a quote that suits you and fill our proposal form.
Pay and get your policy
Now pay the premium and get your policy in your inbox!
What happens after purchase?
Once you secure the insurance cover, you get a financial assurance for all your health needs. You also get documents for your better understanding and convenience.
What is the claim process?
We treat our customers like VIPs and so our claim process is short and swift.
Contact Us
Fill an online form or call us at our toll-free number 1800-220-233Inspection
Our surveyor will inspect your vehicleDocuments
Provide requested documents by the surveyorApproved Amount
Approved claim amount will be communicated to the workshopDirect Payment
Payment will be directly made to GCI workshop
FAQs – Frequently asked questions
Yes,you have to contribute a minimum amount towards own damage claims which is known as Deductible-e.g.Rs.1000 for each claim for car with cubic capacity up to 1500 CC will have to be borne by you.In addition,replaced parts are subject to the depreciation scale(Refer Policy Wordings for the scale of depreciation applied for various parts)in the claim assessment. For e.g.50% depreciation is applied on all the plastic parts.
Note:depreciation waiver cover can be separately opted. Zero depreciation add on cover is provided by Generali Central for vehicles up to the age 5 years.
Yes,it is possible to insure the paid driver(Legal Liability to Employees)under provisions of Workmen’s Compensation Act as amended.This cover is available on payment of a nominal premium amount.
Yes,it is compulsory to insure the Registered Owner of the vehicle against risk of Personal Accident only if he/she holds a valid driving license.This cover is available on payment of a nominal premium amount.
Yes,they may be insured against risk of Personal Accident for a sum not exceeding Rs.2 lakhs per passenger by paying an additional nominal premium.
No Claim Bonus is allowed to the Insured and not to the insured car.Hence,on sale of the car,the insurance policy can be transferred to the new owner but not the No Claim Bonus.The new owner has to pay the difference on account of No Claim Bonus for the balance policy period.The original owner can,however,use the No Claim Bonus from his old car(the one he has sold)to a new car purchased by him.For this he has to apply to the existing insurance company and get the No Claim Bonus reserving letter
Motor insurance premiums can be influenced by various factors like the make and model of the vehicle, your driving history, the vehicle's age, and the type of coverage.
Motor Own Damage Insurance is a form of insurance to help you in the event of damage to your car in an accident.Motor Own Damage Insurance covers a wide variety of cases,from broken windows to theft or damages arising out of an accident.
Motor third-party insurance cover,which is also referred to as the‘act only’cover,is a statutory requirement under the Motor Vehicles Act,1988.It is referred to as a‘third-party’cover since the beneficiary of the policy is someone other than the two parties involved in the contract(the car owner and the insurance company).The policy does not provide any benefit to you.However,it covers any legal liability that you may incur due to death/disability of third-party and/or loss or damage to the third-party property while using the car.
In India, you can select from three types of motor insurance policies for your car or bike:
Third-party liability insurance (mandatory by law)
Own damage cover
Comprehensive cover
For the Own Damage Claims Yes,you can opt for a cashless claim settlement if you approach our Generali Central Convenient Workshops for repairs to your car.In case you get your car repaired in a non-network workshop,Claims will be directly settled to you upon submission of all required documents within 7 days.
Third Party claims are awarded by Motor Accident Claims Tribunals as per provisions of Motor Vehicles Act 1988 and settled by Generali Central.
Insuring your car against the risks of Third Party liability is mandatory as per Motor Vehicles Act 1988.Most private car owners however prefer comprehensive or package policy covering the risks of loss or damage to the car-Own Damage in addition to the Third Party Liability Risk.
Download documents
PRODUCT NAME: Motor Protect Two-Wheeler Package Policy | UIN NO: IRDAN132RPMT0016V03200708 | LAUNCH DATE: 1ST OCTOBER 2020
