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Select your bike brand

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Which city is your bike registered in?

  • New Delhi
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  • Chennai

When did you buy your bike?

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

Liberty Two-Wheeler Insurance Premium Calculator

What is a Bike Insurance Premium Calculator?

Bike insurance premium calculator is an online tool that helps you know the premium with different insurers, compare quotes and choose the most suitable one for your bike. This dynamic tool is transparent in its calculations and tells you the right IDV as well so that you make an informed buying decision. You can use InsuranceDekho’s bike insurance premium calculator when purchasing a new bike insurance policy or renewing the previous one.

How to Use a Two-Wheeler Insurance Premium Calculator?

You can use the bike insurance premium calculator at InsuranceDekho by following the steps given below:

Step 1: Select the Make, Model, Variant, and Fuel Type of your bike.

Step 2: Select the City of your bike registration. Select the year of purchase of your bike.

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

Step 4: Click on the ‘Calculate’ button and you will find the right IDV and premium for your bike insurance policy.

Benefits of Two-Wheeler Insurance Premium Calculator

InsuranceDekho’s bike insurance premium calculator offers you the following benefits:

  1. Right Insured Declared Value (IDV): InsuranceDekho’s bike insurance premium calculator keeps you informed of the right Insured Declared Value of your bike considering various factors like its make, model, variant and fuel type. Knowing the right IDV is important as it determines the amount that you can claim from an insurance company in case of total loss or theft.
  2. Correct Premium: Bike insurance premium calculator keeps you informed of the correct premium that you will be charged if you buy a particular bike insurance policy.
  3. Helps You Decide: With a bike insurance premium calculator, you can find and compare quotes from different insurance companies. As there is no involvement of insurance agents in the process, it helps you make an informed decision for your bike.
  4. Helps You Buy Affordable Plans: Bike insurance premium calculator calculates for you premiums charged by different insurance companies. You can compare them and choose the most affordable plan for your bike.

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

Premium for comprehensive and standalone own-damage bike insurance plans is calculated on the basis of several factors. Some of them include your bike’s make, model, variant, fuel type, engine’s cubic capacity, your age, and the city of registration of your bike. So, it is not necessary that two bikes of the same brand and model will have the same premiums. Read the factors affecting bike insurance premium given below for better understanding.

Factors Which Determine Two-Wheeler Insurance Premium

Listed below are some factors that affect the premium of bike insurance:

  1. Insured Declared Value (IDV): Insured Declared Value is the market value of your bike that is calculated on the basis of your bike’s make, model, and variant. The value of your bike depreciates with time which decreases its IDV thereby decreasing the premium for your bike insurance policy.
  2. Anti-Theft Devices: Having ARAI-approved anti-theft devices installed on your bike keeps it secure thereby reducing the chances of it getting stolen. This ultimately reduces the insurer’s liability and hence reduces your bike insurance premium too.
  3. Engine’s Cubic Capacity: If the cubic capacity of the engine of your bike is high, then it will use more consumables as well as move faster thereby increasing the risk on road. Hence, you will be charged a higher premium.
  4. Add-On Benefits: Insurance companies offer various add-on benefits like return to invoice cover, and zero depreciation cover that provide extra coverage to your bike. You can opt for them by paying a higher premium.
  5. Modifications: You can modify your bike to increase its performance or the aesthetic look. But you must be aware that modifications may lead to a higher bike insurance premium as it compromises with the in-built safety features of your bike which increases the chances of theft or accident.

Explore Liberty Bike Insurance

Must Read Articles before buying Liberty Bike Insurance

Liberty Bike Insurance User Reviews

4.8
Rating based on
386 User reviews
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What users are saying
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  • Accessible Anytime, Anywhere

    I'm happy because I can use the special tool, the premium calculator of InsuranceDekho. It helps me to figure out the insurance costs of Liberty Bike Insurance any time i want as per my feasibility. It's really handy and works well with my hectic life.

    Read More

    J
    By Jahul Akhtar
    On: June 5, 2024
  • Peace of Mind with Every Drive...

    Every time I hit the road with my Mahindra bike, I have peace of mind knowing that InsuranceDekho's Liberty Bike Insurance Policy’s own damage coverage has my back. It's a reassuring feeling that money can't buy.

    Read More

    By Prakash Thapa
    On: November 21, 2023
  • No Hidden Costs, No Surprises

    I appreciate how the premium calculator provided clear estimates for my Bajaj bike, leaving no room for hidden costs or surprises while purchasing the Liberty Bike Insurance Policy. What you see is what you get, and that's a relief.

    Read More

    By Santosh Singh
    On: November 15, 2023
  • Cost-Efficient Legal Complianc...

    InsuranceDekho's Third-Party Insurance provides cost-efficient legal compliance. The Liberty Bike Insurance Policy is a basic, yet necessary, policy for my Aprilia bike that safeguards against liabilities while keeping your expenses in check.

    Read More

    Y
    By Yash Paul
    On: October 17, 2023
  • Confidently Protected with Ins...

    I bought the Liberty Bike Insurance Policy from InsuranceDekho. The policy provides me with confidence in the protection for my BMW bike. Their efficient claims processing reassures me that I'm in good hands.

    Read More

    M
    By Mukul Pahwa
    On: September 20, 2023
  • No-Claim Bonus Protection for ...

    The no-claim bonus protection offered by InsuranceDekho’s Liberty Bike Insurance Policy is a fantastic feature of their comprehensive coverage. It rewards careful driving habits. Happy to have secured my Hero bike under this policy.

    Read More

    S
    By Saket Bhasin
    On: September 15, 2023
  • Recommended for Responsible Ca...

    I recommend InsuranceDekho's third-party car insurance to responsible car owners who prioritize legal compliance and road safety. I bought the Liberty Bike Insurance Policy and added this benefit to the policy for my Aprilia bike and could not be more happier and secure.

    Read More

    By Rajeev Rai
    On: September 13, 2023
  • Transparent Premium Breakdown

    I appreciate the transparency of InsuranceDekho's premium calculator. I made a wise decision to secure my Royal Enfield with them. It broke down the premium for my Liberty Bike Insurance Policy into understandable components, making it easy to budget.

    Read More

    S
    By Saksham Yadav
    On: September 11, 2023
  • Great for High-End Repairs

    High-end repairs can be expensive, but InsuranceDekho's Zero Depreciation Policy makes them affordable. The Liberty Bike Insurance Policy covers the repair costs without factoring in depreciation for my Royal Enfield.

    Read More

    R
    By Ramit Sarkar
    On: September 5, 2023
  • True Partner in Recovery

    InsuranceDekho has been a true partner in my recovery after accidents. The Liberty Bike Insurance Policy’s efficient claim processing for my for my Triumph bike and support have eased the post-accident stress.

    Read More

    P
    By Prashant Budhiraja
    On: September 1, 2023
  • No Compromises on Safety

    Choosing InsuranceDekho's Comprehensive Coverage along with the Liberty Bike Insurance Policy means no compromises on safety. The policy's extensive coverage ensures that my Kawasaki bike and I are safeguarded against unexpected events.

    Read More

    K
    By Kalzang Murry
    On: August 29, 2023
  • Renewal Benefits for Loyal Cus...

    InsuranceDekho offered renewal benefits for their loyal customers, incentivizing me to renew my Liberty Bike Insurance Policy for my Royal Enfield bike with them.

    Read More

    R
    By Rohan Kalra
    On: August 25, 2023
  • Instant Results for Immediate ...

    I loved how fast InsuranceDekho's premium calculator provided results. It allowed me to make quick decisions without any delays to purchase the Liberty Bike Insurance Policy for my newly bought Aprilia bike.

    Read More

    A
    By Ashwini Kahlon
    On: August 23, 2023
  • Highly Recommended for Third-P...

    I highly recommend InsuranceDekho for third-party car insurance. The Liberty Bike Insurance Policy offers a reliable and straightforward solutions for legal compliance. Happy to have secured my TVS bike under this plan.

    Read More

    S
    By Satvinder Singh
    On: August 22, 2023
  • Seamless Policy Purchase

    The policy purchase and renewal process for InsuranceDekho's comprehensive coverage is seamless and user-friendly. I was bale to buy the Liberty Bike Insurance Policy for my Aprilia bike with ease. It's convenient and time-saving.

    Read More

    By Jatin Lokhandwala
    On: August 16, 2023
  • Trustworthy Partner for Car In...

    InsuranceDekho has proven to be a trustworthy partner for car insurance claims. When I asked their help to file my claim for the Liberty Bike Insurance Policy for my KTM bike, they handled my claim professionally and without any hassle.

    Read More

    R
    By Rajdeep Yadav
    On: August 11, 2023
  • Accurate Premium Estimates for...

    InsuranceDekho's premium calculator provided me with accurate estimates for different insurance plans. Having this information helped me make an informed decision about the Liberty Bike Insurance Policy that was best suited for my needs for my Royal Enfield.

    Read More

    S
    By Samagya Gupta
    On: August 9, 2023
  • Affordable Premiums for Third-...

    I found InsuranceDekho's third-party car insurance for my Yamaha bike to have affordable premiums. The Liberty Bike Insurance Policy is the perfect option for budget-conscious bike owners. Definitely would recommend the policy to others.

    Read More

    A
    By Amit Patel
    On: August 8, 2023
  • Loyalty Benefits

    InsuranceDekho rewarded my loyalty with special benefits and discounts during the Liberty Bike Insurance Policy renewal process for my Benelli bike. Thank you InsuranceDekho for looking out for the loyal clients.

    Read More

    A
    By Aryan Khan
    On: July 31, 2023
  • Own Damage Insurance - A Neces...

    I used to underestimate the importance of own damage insurance until I had to repair my Triumph bike after an accident. Thankfully, the Liberty Bike Insurance Policy’s coverage took care of the expenses, and I realized it was a necessity.

    Read More

    M
    By Mihir Khan
    On: July 28, 2023
  • Excellent Customer Support Dur...

    I had a minor accident, and I called InsuranceDekho's customer support for guidance on filing a claim with the Liberty Bike Insurance Policy for my Honda bike. They were extremely helpful, guiding me through the entire process and making it stress-free. Kudos to the support team!

    Read More

    V
    By Vipul Verma
    On: July 24, 2023
  • Helpful in Understanding Premi...

    InsuranceDekho's premium calculator is helpful in understanding the factors that affect the premium. By adjusting different parameters, I can see how the premium changes for the Liberty Bike Insurance Policy that I bought for my Triumph bike.

    Read More

    L
    By Laxman Pradip
    On: July 20, 2023
  • Efficient Customer Support

    The customer support team at InsuranceDekho was efficient in addressing my queries related to my Honda bike’s third-party policy for my Liberty Bike Insurance Policy. Their professionalism and guidance were commendable.

    Read More

    N
    By Nitin Bagade
    On: July 19, 2023
  • Enhanced Coverage with Add-Ons

    I opted for add-ons with InsuranceDekho's comprehensive policy to enhance the coverage for my Liberty Bike Insurance Policy. Features like zero depreciation and roadside assistance provided additional benefits for my Hero bike.

    Read More

    By Jayant Joshi
    On: July 17, 2023
  • Quick and Efficient

    The cashless garages associated with InsuranceDekho offer prompt and efficient service. My Aprilia car was repaired within the promised timeframe as it was insured with the Liberty Bike Insurance Policy, and the quality of work was excellent.

    Read More

    By Lavi Jain
    On: July 13, 2023
  • Smooth Premium Payment Options

    InsuranceDekho offered smooth premium payment options for the Liberty Bike Insurance Policy’s renewal. Their online platform allowed me to pay securely using various payment methods, including net banking and debit/credit cards for my BMW bike.

    Read More

    A
    By Aadit Jain
    On: July 11, 2023
  • Flexibility in Choosing Repair...

    InsuranceDekho's own damage car insurance that I purchased along with the Liberty Bike Insurance Policy for my TVS bike offered flexibility in choosing a repair garage. I had the freedom to select a preferred garage from their network, allowing me to maintain a trusted relationship with my service provider.

    Read More

    A
    By Arjun Grover
    On: July 10, 2023
  • Worthwhile Investment for New ...

    Opting for InsuranceDekho's zero dep car insurance was a worthwhile investment for my new Vespabike. The Liberty Bike Insurance Policy protected me from the financial impact of depreciation and allowed me to maintain the bike's value.

    Read More

    R
    By Rohan Chadha
    On: July 6, 2023
  • Hassle-free Claims Settlement...

    InsuranceDekho handled my claims settlement process with utmost professionalism. They took charge of communicating with the third party involved, assessing the damages, and settling the claim. Their efficiency and expertise in handling third-party claims made the entire process hassle-free for me. I appreciate their dedication to resolving claims fairly and promptly. I am glad that I took the Liberty Bike Insurance Policy for my Aprilia bike.

    Read More

    V
    By Vivek Kandpal
    On: July 4, 2023
  • Comparative Premium Analysis

    The premium calculator allowed me to compare premiums from multiple insurance providers. It presented the calculated premiums side by side, making it easy to evaluate the cost-effectiveness of different policies. This feature empowered me to choose the Liberty Bike Insurance Policy for my Benelli bike that offered the best value for money based on the coverage and premium amount. Thanks to InsuranceDekho for this feature.

    Read More

    S
    By Sandeep Joshi
    On: June 30, 2023
Liberty Reviews

Liberty Bike Insurance Premium Calculator FAQs

  • What should I use the bike insurance premium calculator?

    The bike insurance premium calculator gives you great assistance in getting the values of the IDV of your bike and the premium amount offered by different insurers in the market. It will help you select an economic policy and make wiser decisions in relation to the bike insurance cover.

  • What details need to be filled in the premium calculator?

    You need to enter a few details like make and model of your bike, RTO location of your bike, registration year of your bike, etc., to find the right premium provided by various insurers for a bike insurance policy.

  • What factors determine the premium of a bike insurance policy?

    There are various factors that affect the premium of a bike insurance cover such as Insured Declared Value (IDV), Anti-Theft Devices, Engine’s Cubic Capacity, Add-On Covers, No Claim Bonus (NCB), Modifications, Age of the Owner, and so on.

  • Where can I find the premium calculator to use it?

    You can get the best premium calculator to calculate the premium and IDV for your insurance plan at the official website of InsuranceDekho, i.e., www.insurancedekho.com.

  • Does the premium calculator compute the premium only for old two-wheelers?

    Yes, the premium calculator helps you get the premium for new as well as old or used two-wheelers.

FAQ
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