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Select your bike brand

  • Honda
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  • Hero Honda
  • Bajaj

Which city is your bike registered in?

  • New Delhi
  • Bangalore
  • Mumbai
  • Chennai

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 calculate bike insurance premium offered by multiple insurance companies and select the best quote from them. To use this dynamic tool, you are required to enter a few details of your bike such as make, model, variant, registration city and year and you can be informed about the premium. You can use a bike insurance premium calculator when buying a new bike insurance policy or when renewing your old policy.

How to Use a Two-Wheeler Insurance Premium Calculator?

Follow the steps given below to use bike insurance premium calculator at InsuranceDekho:

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

Step 2: Select the City of your bike registration. Tell us ‘When did you buy your bike?’ by selecting 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 on the ‘Calculate’ button. You will find the right IDV and premium amount for your bike insurance policy.

Benefits of Two-Wheeler Insurance Premium Calculator

Bike insurance premium calculator at InsuranceDekho offers you the following benefits:

  1. Right IDV: InsuranceDekho’s bike insurance premium calculator gives you the right Insured Declared Value or IDV. It helps you know the amount you can claim from the insurer in case of theft or total loss of your bike.
  2. Correct Premium: One of the main benefits of using a premium calculator is to know the premium you will be required to pay for your bike. Knowing the correct premium helps you manage finances and accelerates the buying process.
  3. Improves Your Decision Making Ability: InsuranceDekho’s bike insurance premium calculator not only allows you to find quotes from different insurers, but also lets you compare the benefits and premium with ease. This helps you make decisions confidently without getting influenced with agents.
  4. Helps You to Choose Affordable Policies: By using InsuranceDekho’s bike insurance premium calculator, you get quotes from multiple insurers displayed on your screen. From them, you can shortlist the most affordable quote 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

There are a number of factors that affect premiums for comprehensive and standalone own-damage bike insurance plans. These include make, model, and variant of your bike, age of the bike, fuel type of the bike, engine’s cubic capacity, city of registration and so on. The premium for your bike is calculated by the insurer. Some factors that affect your bike insurance premium are listed below.

Factors Affecting Two-Wheeler Insurance Premium

Given below are a few factors that determine premiums for comprehensive and standalone own-damage bike insurance policies:

  1. Insured Declared Value: Insured Declared Value or IDV is the maximum amount that you can claim from an insurer in case of total loss or damage incurred by your bike. Simply put, it is the market value of your bike. So, higher the IDV of your bike, higher your premium will be and vice versa.
  2. No Claim Bonus (NCB): No Claim Bonus is the insurer’s reward to the policyholder because of no claims made during the previous policy year. It is the discount ranging between 20%-50% that you can avail on your own-damage bike insurance premium that you will be paying in the subsequent policy term.
  3. Engine’s Cubic Capacity: If the cubic capacity of your bike is higher, then it will use more consumables. Therefore, your premium will be higher in that case. The condition and maintenance of the bike is also taken into consideration while determining the premium.
  4. Anti-Theft Devices: Anti-theft devices keep your bike secure from thieves and hence reduces the liability for the insurer. So, if you buy ARAI-approved anti-theft devices for your bike, then you will be required to pay a lesser premium.
  5. Number of Add-Ons: Add-ons are the additional benefits that add more value to your bike insurance policy. Insurers offer several add-ons like pillion rider, return to invoice, roadside assistance, and zero depreciation that you can purchase to increase the coverage with your bike insurance policy. But for this, you will be required to pay a higher premium.


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New India Bike Insurance User Reviews

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481 User reviews
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What users are saying
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  • Effortless Claims Settlement

    I had to make a claim for the New India Bike Insurance Policy after my Bajaj bike was damaged. The claims settlement process was incredibly efficient and hassle-free. InsuranceDekho ensured I got back on the road quickly.

    Read More

    S
    By Subhash Chaudhary
    On: November 22, 2023
  • Ideal for Exploring Policy Opt...

    The premium calculator on InsuranceDekho is ideal for exploring different policy options. With the New India Bike Insurance Policy, I was able to experiment with various coverage levels for my Bajaj bike to find the right balance between protection and cost.

    Read More

    By Akash Dholakia
    On: November 16, 2023
  • All-in-One Protection at Its B...

    InsuranceDekho's comprehensive coverage is like an all-in-one package for bike protection. The New India Bike Insurance Policy covers everything from accidents to natural disasters, making it the best choice for my Kawasaki bike.

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    By Suresh Dahia
    On: October 30, 2023
  • All-in-One Protection with Ins...

    InsuranceDekho's Comprehensive Car Insurance is an all-in-one protection package. The New India Bike Insurance Policy is a one-stop solution for all my Triumph bike’s insurance needs, offering coverage for every scenario.

    Read More

    M
    By Mayank Gupta
    On: October 18, 2023
  • Responsible Driving Encouragem...

    I recently bought the New India Bike Insurance Policy from InsuranceDekho's third-party and the coverage encourages responsible driving by ensuring that my Yamaha bike have good coverage, promoting safer roads.

    Read More

    P
    By Pankaj Kumar
    On: October 16, 2023
  • Trustworthy and Reliable Cover...

    I recently updated my New India Bike Insurance Policy and added InsuranceDekho's own damage coverage to my Jawa bike. T]It is completely trustworthy and reliable. I feel secure knowing I have them as my insurance provider.

    Read More

    M
    By Mihir Manral
    On: September 27, 2023
  • Affordable Renewal Options

    I found the renewal options from InsuranceDekho to be affordable without compromising on coverage for the New India Bike Insurance Policy. They make it easy to renew without breaking the bank. I'm happy with the value they provide for my Kawasaki bike.

    Read More

    A
    By Abhijeet Toor
    On: September 25, 2023
  • Top-Notch Service During Claim...

    I want to express my gratitude to InsuranceDekho for their top-notch service during my claim for the New India Bike Insurance Policy. They went above and beyond to assist me with my Yamaha bike.

    Read More

    M
    By Manu Kalra
    On: September 21, 2023
  • Prompt Renewal Reminders

    InsuranceDekho sends timely renewal reminders, making it easy to keep my New India Bike Insurance Policy’s third-party coverage up to date for my Jawa bike. It's a helpful service.

    Read More

    S
    By Shirish Kota
    On: September 14, 2023
  • Helpful Tool for Budget Planni...

    I was looking for a good policy for my Kawasaki bike and InsuranceDekho's premium calculator came out to be a helpful tool for budget planning for the New India Bike Insurance Policy. It allowed me to see how different factors affect my premium.

    Read More

    T
    By Taposh Rabeya
    On: September 12, 2023
  • Transparent Policy Terms

    Transparency is crucial when it comes to insurance, and InsuranceDekho delivers. Their own damage policy with the New India Bike Insurance Policy terms are clear and easy to understand. Happy and satisfied to have taken this plan for my Bajaj bike.

    Read More

    S
    By Sagar Bhatt
    On: September 8, 2023
  • Empathetic Approach

    Dealing with accidents can be emotionally taxing, but InsuranceDekho's empathetic approach during claims of my New India Bike Insurance Policy for my Kawasaki bike has made the process more manageable.

    Read More

    S
    By Shanu Bhaskar
    On: September 4, 2023
  • Simple and Straightforward

    Opting for a Third-Party Car Policy through InsuranceDekho is simple and straightforward. The New India Bike Insurance Policy covers third-party liabilities for my Vespa bike, making it easy for me to drive legally.

    Read More

    R
    By Roshan Kiran
    On: August 28, 2023
  • Trustworthy and Reliable Servi...

    I trust InsuranceDekho's cashless garages for their reliability and efficiency. The New India Bike Insurance Policy has consistently delivered on its promises for my BMW bike.

    Read More

    M
    By Manjeet Bhatia
    On: August 24, 2023
  • Trustworthy Insurance Partner ...

    InsuranceDekho has been my trusted insurance partner for my Kawasaki bike policy renewals. The New India Bike Insurance Policy's reliability and customer-oriented approach keep me coming back.

    Read More

    S
    By Sohan Jasrotia
    On: August 22, 2023
  • Value for Money Service

    I bought the New India Bike Insurance Policy from InsuranceDekho. Its cashless garages offered value for money service for my Kawasaki. It's a great benefit to have when you need urgent car repairs without emptying your wallet.

    Read More

    K
    By Kailash Gupta
    On: August 10, 2023
  • User-Friendly Renewal Interfac...

    The user interface for bike insurance renewal on InsuranceDekho's website was user-friendly and intuitive. I didn't encounter any issues while renewing my New India Bike Insurance Policy for my Ampere bike online.

    Read More

    S
    By Suni Mohite
    On: August 8, 2023
  • Fair Valuation for Repairs

    InsuranceDekho's own damage policy provided fair valuation for the repairs needed after an accident for my Bajaj bike. I didn't have to worry about overpaying or getting subpar service because of the New India Bike Insurance Policy.

    Read More

    N
    By Nitish Tyagi
    On: August 7, 2023
  • Fair Evaluation of Damages

    I appreciate InsuranceDekho's fair evaluation of the damages during my Vespa bike claim. They didn't try to cut corners, and I felt I received what I deserved in terms of compensation which was promised while buying the New India Bike Insurance Policy.

    Read More

    R
    By Raghav Arora
    On: August 3, 2023
  • Prompt Claim Settlements

    InsuranceDekho excels in claim settlements for their third-party car insurance. The process for the New India Bike Insurance Policy claim for my Honda bike was done promptly and efficiently, ensuring a hassle-free experience. I am grateful for their commitment to customer satisfaction

    Read More

    M
    By Mayank Sarangi
    On: July 28, 2023
  • Added Protection and Zero Worr...

    InsuranceDekho's zero depreciation cover provided me with added protection for my Vespa bike during an unfortunate accident. I am so glad that I bought the New India Bike Insurance Policy. Not only the premiums were within my budget, but the benefits outweighed the cost.

    Read More

    S
    By Sehaj Kalra
    On: July 25, 2023
  • Easy Claim Process

    InsuranceDekho's cashless garages made the claim process for the New India Bike Insurance Policy incredibly easy. I just had to inform them, and they took care of the rest, ensuring a hassle-free experience for my Aprilia bike.

    Read More

    By Sreenath Gobind
    On: July 21, 2023
  • Excellent Customer Support

    The customer support team at InsuranceDekho was always available to assist me during the renewal process for my New India Bike Insurance Policy for my BMW. Their professionalism and prompt response impressed me.

    Read More

    N
    By Navin Shah
    On: July 19, 2023
  • Clear Policy Terms

    InsuranceDekho's own damage policy had clear and easy-to-understand terms. I knew exactly what was covered under the New India Bike Insurance Policy and the claim process for my Jawa bike, which made the whole experience transparent.

    Read More

    S
    By Shakti Das
    On: July 18, 2023
  • Fair Evaluation and Transparen...

    InsuranceDekho's car insurance claim process was fair and transparent. The evaluation of my New India Bike Insurance Policy claim for my BMW was done accurately, and the settlement offered was reasonable. I appreciate their honesty and integrity throughout the process.

    Read More

    By Kush Banerjee
    On: July 14, 2023
  • Helpful Tool for Budgeting

    InsuranceDekho's premium calculator is a helpful tool for budgeting. It allows me to adjust coverage parameters and instantly see how they affect the premium amount for my New India Bike Insurance Policy. This feature helps me find the right balance between coverage and affordability for my Mahindra bike.

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    By Kapil Verma
    On: July 12, 2023
  • Assistance with Legal Proceedi...

    InsuranceDekho provided valuable assistance with legal proceedings arising from third-party claims. Couldn’t be happier to have safeguarded my Suzuki bike with the New India Bike Insurance Policy. Their support team guided me through the necessary steps and documentation required, ensuring a smooth process.

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    By Pankaj Handa
    On: July 10, 2023
  • Competitive Premium Rates

    InsuranceDekho provided competitive premium rates for their comprehensive car insurance policy. I found their rates to be affordable without compromising on the coverage and benefits provided so I immediately bought the New India Bike Insurance Policy for my Mahindra bike. Definitely will recommend it to everyone.

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    R
    By Rupesh Tyagi
    On: July 7, 2023
  • Prompt Assistance in Emergency...

    InsuranceDekho provides an amazing response in emergencies. They provided prompt assistance, arranging for towing services and guiding me through the necessary steps to file a claim for my New India Bike Insurance Policy for my KTM bike. The claims team was available round-the-clock, ensuring that I received the necessary support during the difficult situation. Their prompt assistance and support were invaluable.

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    A
    By Anand Saxena
    On: July 5, 2023
  • Transparent Pricing

    I was very impressed with the transparency while renewing the New India Bike Insurance Policy for my Vespa. I knew exactly what I was paying for and there were no hidden fees. I would definitely recommend InsuranceDekho to others.

    Read More

    D
    By Daksh Kamble
    On: June 29, 2023
New India Reviews

New India Bike Insurance Premium Calculator FAQs

  • What factors can affect the premium of a bike insurance policy?

    There are various factors that can affect the amount of premium of a bike insurance policy such as Anti-theft Devices, Insured Declared Value (IDV), Year of Registration, No Claim Bonus (NCB), Number of Add-ons and so on.

  • How can a bike insurance premium calculator help me?

    The bike insurance premium calculator can assist you in getting the accurate premium amount for bike insurance plans and IDV of your bike which are offered by different insurers in the market. With this information, you can select an affordable plan and make prudent decisions in relation to bike insurance.

  • What details are required to be filled on the bike insurance premium calculator?

    You need to enter details like make, model and variant of the bike, fuel type of the bike, RTO location of the bike, engine capacity of the bike, registration year of the bike, and so on, on the premium calculator to get the premium amounts offered by different insurance companies.

  • Can premium calculators be used for calculating premium for new bikes only?

    No, the premium calculator can be used for computing the amount of premium for new as well as old bikes.

  • Where can I use the premium calculator to calculate the premium for my policy?

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

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      #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.