What is it?
The Bike Insurance Calculator gives a rough idea of the yearly premium for a scooter or motorcycle in India. It shows the insured value (IDV), the own-damage part after your no-claim bonus, the third-party part and the estimated total.
Who is it for?
Scooter and motorcycle owners renewing or buying insurance.
How to use it
Enter the Ex-showroom price when new, the Bike’s age, the Engine size (up to 75 cc to above 350 cc), your No-claim bonus and the Own-damage rate from a quote. The answer appears as you type; there is no Calculate button. Tap Copy result to copy it, or Share on WhatsApp to send it.
Third-party cover is compulsory
Riding without at least third-party insurance is illegal and can mean a fine. It uses the third-party rates for 2026-27 (IRDAI; same as notified in 2022). New two-wheelers need a 5-year third-party cover when bought.
Comprehensive or third-party only?
- Third-party only covers damage you cause to others, not your own bike.
- Comprehensive adds theft, fire, flood and accident damage to your bike. Worth it for newer or costlier bikes.
- For an old, low-value bike, third-party plus personal accident cover may be enough.
Saving on premium
Keep your NCB by avoiding small claims, renew on time, and compare quotes online. Add-ons like zero depreciation help most in the first 3–5 years.
This is an estimate to help you plan, not financial or tax advice. Read the scheme or policy documents, and ask a qualified adviser for big decisions.
Errors and how to fix them
- Premium very different from quote: enter the own-damage rate from your quote.
Open the tool: Bike Insurance Calculator
Still stuck?
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Questions, or an error not listed here?
Tell us in the comments: what you were doing, the exact message you saw, and your device and browser. We read every comment and add new fixes to this article.