New riders ke liye best bike insurance kaun sa hai? Top 10 two-wheeler insurance plans, premium, features, coverage, add-ons & buying guide for 2025.
Best Bike Insurance Plans for New Riders (2025 Full Guide)
अगर आप नए rider हैं या अभी-अभी अपनी पहली bike खरीदी है, तो सही two-wheeler insurance लेना बहुत ज़रूरी है। New riders में accident risk थोड़ा ज़्यादा होता है — इसलिए premium कम और protection ज्यादा वाला plan चुनना सबसे बेहतर रहता है।
यहाँ 2025 के Top Bike Insurance Plans की पूरी list दी गई है।
Top 10 Best Bike Insurance Plans for New Riders (2025)
- Bajaj Allianz Two Wheeler Insurance
- HDFC ERGO Two Wheeler Comprehensive Plan
- ICICI Lombard Two Wheeler Insurance
- Tata AIG Auto Secure – Two Wheeler
- SBI General Bike Insurance
- Reliance General Two Wheeler Plan
- Digit Two Wheeler Insurance
- Royal Sundaram Bike Insurance
- Acko Comprehensive Bike Insurance
- New India Assurance Two Wheeler Policy
Why These Plans Are Best for New Riders?
- Low premium + high protection
- Cashless garages across India
- Fast claim settlement
- Zero Depreciation option
- Roadside assistance available
- Flexible 1–5 year coverage
1. Bajaj Allianz Bike Insurance (Best for Beginners)
Benefits:
- Low premium
- Mobile-based instant claim settlement
- 24×7 roadside assistance
- Large network garages
Ideal For:
New riders with normal commuter bikes (Splendor, Shine, Pulsar)
2. HDFC ERGO Two-Wheeler Comprehensive
Benefits:
- Paperless claim
- No claim bonus up to 50%
- Engine & gear protection cover
Best For:
Metro city riders
3. ICICI Lombard Bike Insurance
Benefits:
- Quick repair guarantee
- Zero Dep option available
- Theft protection strong
Best For:
Premium bikes (Yamaha R15, KTM, Royal Enfield)
4. Tata AIG Auto Secure Plan
Benefits:
- Best network of garages
- Consumables cover
- Emergency support services
Best For:
Daily riders & long-distance commuters
Coverage Comparison Table – Best Bike Plans 2025
| Company | Own Damage Cover | Third Party | Zero Dep Addon | Claim Ratio |
|---|---|---|---|---|
| Bajaj Allianz | ✔️ | ✔️ | ✔️ | 92% |
| HDFC ERGO | ✔️ | ✔️ | ✔️ | 95% |
| ICICI Lombard | ✔️ | ✔️ | ✔️ | 93% |
| Tata AIG | ✔️ | ✔️ | ✔️ | 94% |
| SBI General | ✔️ | ✔️ | ✔️ | 89% |
Must-Have Add-ons for New Riders
New riders को extra safety चाहिए होती है — इन add-ons से risk कम हो जाता है:
1️⃣ Zero Depreciation Cover
Claim amount बढ़कर almost full मिल जाता है।
2️⃣ Roadside Assistance (RSA)
Tyre puncture, towing, breakdown—सब instantly handle होता है।
3️⃣ Engine Protect Cover
Flooded areas वाले riders के लिए ज़रूरी।
4️⃣ Pillion Rider Cover
Accident में पीछे बैठे व्यक्ति को भी cover मिलता है।
5️⃣ Consumables Cover
Oil, nuts, bolts, brake fluid — सब included।
Bike Insurance Premium (Average 2025)
| Bike Type | Third Party | Comprehensive |
|---|---|---|
| 100–125 cc | ₹700–₹1,200 | ₹1,800–₹2,800 |
| 150–200 cc | ₹800–₹1,500 | ₹2,500–₹4,000 |
| 250–400 cc | ₹1,000–₹2,500 | ₹4,000–₹7,000 |
| Sports bikes | ₹2,500+ | ₹8,000–₹25,000 |
Tips for New Riders Before Buying Insurance
- हमेशा Comprehensive plan + Zero Dep लें
- Claim settlement ratio check करें
- Nearby cashless garages देखें
- Premium की जगह coverage को priority दें
- Long-term policies (2–5 years) खरीदें — सस्ता पड़ता है
FAQ – Bike Insurance for New Riders
Q1: क्या new riders के लिए zero dep जरूरी है?
हाँ, claim में difference बहुत बड़ा आता है — strongly recommended।
Q2: क्या 1-year policy ठीक है?
नहीं, 3 years policy best होती है।
Q3: क्या new rider third-party insurance ले सकता है?
ले सकता है, लेकिन bike का नुकसान cover नहीं होगा — इसलिए recommended नहीं है।
Q4: क्या long rides cover होती हैं?
हाँ, comprehensive insurance long rides में भी protect करता है।