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Select your bike brand

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Which city is your bike registered in?

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When did you buy your bike?

Disclaimer: Actual Premium might vary basis your location, age and number of members

What is a Bike Insurance Premium Calculator?

Bike insurance premium calculator is an online tool that helps you generate the right insurance premium for your bike. It allows you to compute the premium of your bike and compare benefits. All you are required to do is enter a few details of your bike like its brand name, model, registration city and year etc and the premium is displayed to you. The premium calculator helps you to make an informed decision.

How to Use a Two Wheeler Insurance Premium Calculator?

To use bike insurance premium calculator on InsuranceDekho, follow the steps given below:

Step 1: Select your bike’s Make, Model, Variant, and Fuel Type.

Step 2: Select the City in which your bike is registered and select the Year of Purchase.

Step 3: Answer the question ‘Have you made a claim in the previous year?’ by selecting yes or no.

Step 4: Click ‘Calculate’. You can find the right IDV and premium amount for your bike insurance policy.

Benefits of Two Wheeler Insurance Premium Calculator

Listed below are the benefits of bike insurance premium calculator at InsuranceDekho:

  1. Right Insured Declared Value: Bike insurance premium calculator helps you to get the right Insured Declared Value for your bike considering its make, model, variant, and age. Knowing the right IDV for your bike is important as it helps you understand the actual value of your bike that you can claim in case of total loss or claim against theft.
  2. Correct Premium: Bike insurance premium calculator lets you know the correct premium that you will be required to pay for your bike insurance policy. It helps you make an informed decision and manage finances accordingly.
  3. Improves the Decision Making Ability: Bike insurance premium calculator allows you to find and compare quotes online with ease and make the best buying decision for your bike.
  4. Helps You to Buy Economic Deals: When you have the premiums for similar bike insurance policies that are suited the best for you displayed on your screen, then you can easily choose the most affordable policy for your bike from them.

Third Party Two Wheeler Insurance Premium Rates

Engine Capacity

Premium to Buy a New Policy (5-Year Plan)

Premium to Renew Existing Policy (1-Year Plan)

Not exceeding 75 cc

Rs. 1,045

Rs. 482

Exceeding 75 cc but not exceeding 150 cc

Rs. 3,285

Rs. 752

Exceeding 150 cc but not exceeding 350 cc

Rs. 5,453

Rs. 1,193

Exceeding 350 cc

Rs. 13,034

Rs. 2,323

(Source: Insurance Regulatory and Development Authority of India)

Premium for Comprehensive and Standalone Own-Damage Bike Insurance Plans

There are various factors that affect the premium for standalone own-damage and comprehensive bike insurance plans. For instance, cubic capacity, your age, driving history, and age of the bike. This is the reason why two people who own bikes of the same brand may be paying different premium for bike insurance. Following are a few factors which affect the premium of a bike insurance plan.

Factors Affecting Two Wheeler Insurance Premium

Listed below are the factors that affect bike insurance premium:

  1. Engine’s Cubic Capacity: The cubic capacity of a bike's engine is one of the factors that determines the premium of your bike insurance policy. You will be required to pay a higher premium if your bike has a higher cubic capacity.
  2. Insured Declared Value (IDV): The make, model and variant of a bike decide its market value. Over a period of time, the value of your bike depreciates and hence the IDV decreases. Lower the IDV of your bike, lower premium you will be required to pay to get it insured and vice versa.
  3. Modifications: Modifications may upgrade the look and performance of your bike. But it may compromise with the in-built security features of the bike and thereby increase its chances of getting stolen or meeting an accident. So, greater the modifications, higher the premium amount you will be required to pay to get your bike insured.
  4. Anti-Theft Devices: If you have ARAI-approved anti-theft devices installed in your bike that ensures its safety, then you will be paying a relatively lower insurance premium. This is because anti-theft devices will reduce the chances of the bike getting stolen.
  5. Number of Add-Ons: Add-ons are the additional coverages that you can enjoy with your bike insurance policy. Inclusion of add-ons to your bike insurance policy increases the benefits of your policy and hence the premium. So, one must choose the add-on benefits wisely.

Explore Dhfl Bike Insurance

Must Read Articles before buying Dhfl Bike Insurance

DHFL Bike Insurance User Reviews

5.0
Rating based on
272 User reviews
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What users are saying
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  • Valuable expert advice

    I received some valuable expert advice on InsuranceDekho while I was looking for add-on covers to enhance the coverage of my DHFL bike insurance plan. The policy is issued for KTM 390 Adventure. Based on the advice, I bought a Zero Depreciation cover.

    Read More

    A
    By Arnav Naueshwara
    On: February 23, 2023
  • The reminder feature

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: July 18, 2022
  • The reminder feature

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: June 29, 2022
  • The reminder feature

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: June 22, 2022
  • The reminder feature

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: June 3, 2022
  • The reminder feature on the we...

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: May 20, 2022
  • The reminder feature

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: March 11, 2022
  • Insurance within budget

    I wanted to purchase a bike insurance policy that provided me good coverage and fit in my budget, while looking for one I landed on InsuranceDekho’s website. Here I was able to compare several bike insurance policies which were affordable and provided good coverage. I purchased a Navi bike insurance policy for my Suzuki Let’s.

    Read More

    L
    By Lokesh Yadav
    On: February 2, 2022
  • The reminder feature

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, that the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: February 1, 2022
  • Renewed the policy in a few mi...

    I renewed my Navi comprehensive bike insurance policy for my Harley Davidson V Rod in very little time with the guidance of the InsuranceDekho assistance team. I had to follow some simple steps to get it done in very little time. Thanks to the team.

    Read More

    P
    By Pritish Sachdeva
    On: January 24, 2022
  • Found some quality insurance p...

    I had opted for ordinary updates with InsuranceDekho which helps me locate the up-to-date listing of some amazing insurance plan companies. I noticed the amazing advice and thinking about the advice I bought a Navi Bike insurance plan for my Lohia Genius as it has an excessive claims ratio.

    Read More

    G
    By Ganesh Goyal
    On: January 21, 2022
  • Found some quality insurance p...

    I had opted for ordinary updates with InsuranceDekho which helps me locate the up-to-date listing of some amazing insurance plan companies. I noticed the amazing advice and thinking about the advice I bought a Navi Bike insurance plan for my Lohia Genius as it has an excessive claims ratio.

    Read More

    R
    By Rishabh
    On: January 18, 2022
  • Best car insurance

    I desired to purchase an insurance plan for my Suzuki Access a hundred twenty-five however used to be very careworn as to what to do. But, InsuranceDekho helped me discover a satisfactory suit insurance plan for myself. It helped clear my confusion and I am grateful for that. I bought a NAVI bike insurance plan policy.

    Read More

    R
    By Ramesh Kapoor
    On: January 14, 2022
  • Top insurance companies listed

    I opted for regular updates with InsuranceDekho which helps me find the updated list of some top insurance companies. After considering the top recommendations I opted for the Navi Bike insurance policy for my Lohia Genius as it has a high claim settlement ratio.

    Read More

    R
    By Rohan Nadkarni
    On: January 14, 2022
  • Best vehicle insurance

    I wanted to buy insurance for my Suzuki Access 125 but was very confused as to what to do. But, InsuranceDekho helped me find the best fit insurance for myself. It helped clear my confusion and I am grateful for that. I purchased NAVI bike insurance policy.

    Read More

    R
    By Ramesh Kapoor
    On: January 10, 2022
  • Sends useful reminders

    From upcoming payable premium instalment date to renewal dates, InsuranceDekho keeps me updated on my policy status by sending useful reminders through email. I appreciate this initiative. I am a policyholder of DHFL bike insurance policy for my Honda CBR.

    Read More

    P
    By Partha Dasgupta
    On: June 23, 2021
  • Valuable expert advice

    I received some valuable expert advice on InsuranceDekho while I was looking for add-on covers to enhance the coverage of my DHFL bike insurance plan. The policy is issued for KTM 390 Adventure. Based on the advice, I bought a Zero Depreciation cover.

    Read More

    R
    By Rajeev Santosh
    On: June 21, 2021
  • Approachable customer team

    Through email, chat or phone number, the customer team of InsuranceDekho is approachable all the time. The team is eager to help no matter how complicated an issue is. I took their help during the renewal of DHFL bike insurance policy issued for BMW R 1200 R.

    Read More

    R
    By Raju Pandey
    On: June 16, 2021
  • Outstanding website

    I think InsuranceDekho is an outstanding website. It is detailed, and the digital services provided by the team are flawless. Glad that I used it to insure my Kawasaki Eliminator with DHFL bike insurance policy.

    Read More

    S
    By Sujit Samaddar
    On: June 9, 2021
  • Various payment modes accepted

    InsuranceDekho accepts various online payment modes when it comes to premium payment. This was quite feasible for me as I could easily use my credit card for the payment of DHFL bike insurance policy issued for TVS Radeon.

    Read More

    J
    By Jiten Patel
    On: June 2, 2021
  • Mobile policy

    InsuranceDekho helped me to issue DHFL bike insurance policy completely digitally. The mobile policy is easy to carry and it has given me freedom from worrying about misplacing the documents. I issued the policy for my Yamaha Ray Z.

    Read More

    A
    By Antarip Chowdhury
    On: May 26, 2021
  • Understands value of time

    Be it policy issuance, renewal or claim settlement, InsuranceDekho understands and emphasises the value of time. No matter how complicated an issue is, they try their best to resolve it immediately. I am impressed with their speedy service. I hold DHFL bike insurance policy for Kawasaki Vulcan S.

    Read More

    D
    By Dyuti Mukherjee
    On: May 19, 2021
  • Outstanding experience

    I was completely novice to the idea of issuing a bike insurance policy. InsuranceDekho guided me from quote generation and to the payment on every step. I must admit that issuing a DHFL bike insurance policy for Vespa Piaggio Esclusivo was an outstanding experience.

    Read More

    A
    By Animesh Guha
    On: May 12, 2021
  • Reliable network garages

    My Triumph Daytona 675, insured with DHFL bike insurance policy, needed a prompt repairing service. I landed on InsuranceDekho and located a nearby partner garage. The garage was equipped with genuine spare parts, modern amenities and up to date service which made it a reliable experience.

    Read More

    By Giridhar Chouhan
    On: May 3, 2021
  • One-of-a-kind experience

    Coming to InsuranceDekho to resolve various policy matters has always been a one-of-a-kind experience. Their services are secure and prompt. I am a policyholder of DHFL bike insurance policy for my Royal Enfield Bullet Electra.

    Read More

    S
    By Sabarni Roy
    On: April 30, 2021
  • Skillful support team

    The skilful support team of InsuranceDekho helped me to compare the depreciation rate of various types of policies. I checked the differences and decided to buy DHFL Comprehensive bike insurance policy for Hero Motocorp Passion.

    Read More

    V
    By Vandana Routh
    On: April 29, 2021
  • Simple premium calculation

    I calculated the total premium of my DHFL bike insurance policy using the premium calculator of InsuranceDekho. With this tool, the calculation was easy, fast and accurate. Finally, the policy documentation of my Ampere Magnus was complete.

    Read More

    S
    By Sinjini Basak
    On: April 28, 2021
  • Three steps to policy issuance

    The issuance of DHFL bike insurance policy for my Vespa Connectivity required me to take three easy steps on InsuranceDekho. I started with generating my quotes by giving the registration number of my bike. Then, I compared the quotes based on offered benefits. Upon finding the best one, I paid.

    Read More

    S
    By Shirshendu Kayal
    On: April 26, 2021
  • Wide range of coverage

    InsuranceDekho offers policies that consist of a wide range of coverages. I compared the coverages offered by the three main policy types, Third Party, Comprehensive, Standalone Own Damage. Later, I chose DHFL Comprehensive bike insurance policy for BMW HP2 Sport.

    Read More

    R
    By Ritam Bagchi
    On: April 23, 2021
  • Expert guidance available

    I was looking for ways to calculate the premium amount of my DHFL bike insurance policy issued for Royal Enfield Himalayan BS4. An expert from InsuranceDekho guided me thoroughly on how I could use the premium calculator. After that, the calculation was swift.

    Read More

    J
    By Jagriti Samanta
    On: April 22, 2021
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