Comprehensive bike insurance

Comprehensive bike insurance covers the cost of repairs on your own bike if there is an accident, skid, or overturn. Third-party insurance does not cover any costs of repairing your own bike at all.

• Covers single-vehicle accidents: skidding, potholes, road dividers

• Covers two-vehicle collisions, even when you are at fault

• Covers bodywork, frame, suspension, and mechanical parts damaged in the crash

• ACKO settles cashless directly with the workshop; you don't pay the garage upfront

In case of theft of your bike, the comprehensive policy will pay you the total Insured Declared Value (IDV), which is the current market value of your bike less depreciation. There will be no coverage from third-party insurance in such a case.

• IDV will be paid in full once the Non-Traceable Certificate is issued by the police

• Part theft - wheels, mirrors, seats, is also claimable

• Always opt for a higher IDV while purchasing the bike

• Have the FIR copy, two sets of keys, and the RC book available for processing the claim

Comprehensive cover pays for fire damage, whether caused by an engine fire, fuel line burst, electrical short circuit, or a lightning strike. Third-party insurance does not cover any fire damage to your own bike.

• Engine fires and fuel leaks that ignite are covered

• Electrical short circuits, causing fire, are covered

• Lightning strike damage is treated as a natural disaster under comprehensive cover

• Arson or deliberate fire is excluded; accidental fire is covered

Comprehensive coverage includes natural disasters and is often overlooked as a valuable feature. In a flood, a third-party-only bike is completely unprotected, whereas comprehensive insurance will cover all repairs to the bike.

• Covered incidents include: Flood, Cyclone, Earthquake, Landslide, Storm, Hailstorm

• Any damage due to falling trees/debris during the course of a storm is covered.

• Take photographs/videos of all damages before the water subsides or debris is removed.

• Damage to your two-wheeler caused by events such as vandalism, riots, strikes, etc.

With comprehensive insurance, ACKO settles the repair charges directly with the garage. You approve the repairs and get your motorcycle back - no lump sum to pay, no waiting for money back.

• More than 5,400 authorised workshops all over India accept ACKO settlement

• Not required to pay to the garage and then claim the money back

• Also support non-cashless garages – make the payment and claim the money back within 7 days

• Cost of parts replaced from the workshop gets paid at the actual cost (unless Zero Dep is active)

If your bike causes any harm or injury to another person, Indian law will deem you completely liable for their medical expenses with no maximum cap for liability. Comprehensive insurance, such as third-party insurance, covers you completely for this liability.

• No monetary cap on bodily injury or death liability under the Motor Vehicles Act

• Covers hospital costs, long-term rehabilitation, and compensation to victims' families

• Your insurer provides legal defence representation at the tribunal

• Riding without at least this cover is a criminal offence, with fines up to Rs. 2,000 and imprisonment

If your bike damages another person's vehicle, building, or property in an accident, your comprehensive plan covers the repair or replacement cost up to Rs. 7.5 lakh per IRDAI regulation.

• Covers damage to parked vehicles, compound walls, shop fronts, and gates

• IRDAI cap of Rs. 7.5 lakh per incident, amounts above become your personal liability

• Covers damage caused at any speed, in any road condition

• A claim under this section does not impact your No Claim Bonus for own-damage cover