Third-party liability plus own-damage protection for a bike or scooter.
What this type of cover does
Combines mandatory third-party liability with listed damage, theft, fire and natural-event protection for the insured vehicle.
Who commonly considers it
Bike and scooter owners wanting broader protection.
What to check in the policy
Registered name and IRDAI registration details of the insurer or intermediary
Who is insured, when cover starts and when it ends
Sum insured or benefit amount, deductibles, co-payments and sub-limits
Waiting periods, exclusions, claim conditions and cancellation terms
Premium amount, taxes, renewal rules and consequences of missed payment
Claim contact details and the insurer’s grievance-redressal process
Features vary by insurer and product. A generic plan type cannot tell you whether a particular claim will be paid; only the issued policy wording can do that.
