SBI Two Wheeler Insurance 2025: Get upto 50% discount cover on your Bike and Scooter Protection

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SBI Two Wheeler Insurance 2025: Two wheelers are more than just a mode of transport in India—they’re a way of life. Whether you’re zipping through city traffic, cruising on open highways, or simply running errands, your bike or scooter is your trusted companion. But with great rides come great responsibilities. Accidents, theft, and natural disasters can disrupt your journey, leaving you with hefty repair bills or worse. That’s where SBI Two Wheeler Insurance steps in, offering a safety net to protect you and your ride from life’s uncertainties.

SBI General Insurance, a trusted name in the industry, brings you a two wheeler insurance policy that’s not just about compliance but about comprehensive care. With features like cashless repairs, long-term policies, and a range of add-ons, SBI Two Wheeler Insurance ensures you’re covered no matter what the road throws at you. Let’s dive into what makes this insurance a top choice for bike and scooter owners.

Know why SBI Two Wheeler Insurance is different from other Player in Market

When it comes to protecting your two-wheeler, SBI offers more than just basic coverage. Here’s why it’s a standout choice:

  1. Tailored Coverage Options:
    • Whether you need mandatory third-party liability or comprehensive protection, SBI has you covered. Comprehensive plans even protect your bike against theft, natural disasters, and accidents.
  2. Long-Term Policies:
    • Tired of renewing your insurance every year? SBI offers policies with durations of up to 5 years, so you can ride worry-free without the annual hassle.
  3. Cashless Repairs:
    • With a vast network of garages across India, SBI ensures you can get your bike repaired without paying upfront. Just head to a network garage, and SBI takes care of the rest.
  4. No-Claim Bonus (NCB):
    • Drive safe and claim-free? SBI rewards you with discounts of up to 50% on your premium. Plus, you can protect your NCB even if you make a claim.
  5. Affordable Premiums:
    • SBI offers competitive pricing, ensuring you get maximum coverage without burning a hole in your pocket.
  6. Easy Online Process:
    • From buying to renewing, everything can be done online in just a few clicks. No paperwork, no delays.
  7. Customizable Add-Ons:
    • Want extra protection? Add-ons like zero depreciation, engine protection, and roadside assistance let you tailor your policy to your needs.

What Does SBI Two Wheeler Insurance Cover?

SBI Two Wheeler Insurance is designed to cover a wide range of scenarios, so you’re never left stranded. Here’s what’s included:

  • Third-Party Liabilities: Covers damages or injuries caused to others in an accident involving your bike.
  • Own Damage: Protects your bike against accidents, theft, fire, and natural disasters like floods and earthquakes.
  • Personal Accident Cover: Provides up to ₹15 lakh for the rider in case of accidental death or disability.
  • Pillion Rider Cover: Extend personal accident coverage to your pillion rider for added safety.
  • Man-Made Calamities: Covers damages caused by riots, strikes, and terrorist activities.

What’s Not Covered?

While SBI’s coverage is extensive, there are a few exclusions to keep in mind:

  • Normal wear and tear or ageing of your bike.
  • Mechanical or electrical breakdowns.
  • Damages caused while driving under the influence of alcohol or drugs.
  • Losses incurred while driving without a valid license.
  • Damages caused during wars, invasions, or nuclear incidents.

Add-Ons for Extra Protection

SBI Two Wheeler Insurance lets you enhance your policy with optional add-ons, so you can ride with even more confidence:

  1. Zero Depreciation Cover:
    • Get the full claim amount without deductions for depreciation.
  2. Engine Protection Cover:
    • Covers repair costs for engine damage due to oil leaks or water ingression.
  3. Roadside Assistance:
    • Need help with a flat tire, fuel delivery, or towing? This add-on has you covered.
  4. NCB Protection:
    • Keep your No-Claim Bonus intact even after making a claim.
  5. Consumables Cover:
    • Covers the cost of consumable parts like nuts, bolts, and oil.

Steps to Buy SBI Two Wheeler Insurance Online

Buying SBI Two Wheeler Insurance is quick, easy, and completely online. Here’s how:

  1. Visit the SBI General Insurance Website:
    • Head to their official site or use a trusted insurance comparison platform like Quick insure.
  2. Enter Your Bike Details:
    • Provide your bike’s registration number, make, model, and manufacturing year.
  3. Choose Your Coverage:
    • Select between third-party and comprehensive insurance based on your needs.
  4. Add Optional Covers:
    • Customize your policy with add-ons like zero depreciation or roadside assistance.
  5. Calculate Your Premium:
    • Use the online premium calculator to get an estimate.
  6. Make the Payment:
    • Pay securely using your credit/debit card, net banking, or digital wallets.
  7. Receive Your Policy:
    • Your policy document will be emailed to you instantly.

Renew Your SBI Two Wheeler Insurance Online

Renewing your SBI Two Wheeler Insurance Policy is just as simple:

  1. Visit the SBI General Insurance Website:
    • Go to the renewal section.
  2. Enter Your Policy Details:
    • Provide your policy number and bike registration number.
  3. Review and Customize:
    • Check your existing coverage and add any optional covers if needed.
  4. Pay the Premium:
    • Complete the payment process online.
  5. Get Your Renewed Policy:
    • The updated policy will be sent to your email.

Process to File a Claim with SBI

Filing a claim with SBI is straightforward and hassle-free. Here’s how it works:

  1. Notify SBI:
    • Inform SBI immediately by calling their toll-free number (1800-102-1111) or filing a claim online.
  2. Submit Required Documents:
    • Provide the claim form, FIR copy (if applicable), policy document, and driving license.
  3. Inspection:
    • A surveyor will inspect the damage to your bike.
  4. Claim Approval:
    • Once approved, you can opt for cashless repairs at a network garage or get reimbursed.
  5. Settlement:
    • The claim amount will be settled directly with the garage or credited to your account.

Important Documents Needed for Claim Settlement

To ensure a smooth claim process, keep these documents handy:

  • Duly filled claim form
  • Copy of your bike insurance policy
  • Vehicle registration certificate (RC)
  • Driver’s license
  • FIR copy (in case of theft or major accidents)
  • Original repair bills and receipts

FAQs About SBI Two Wheeler Insurance

  1. Who can buy SBI Two Wheeler Insurance?
    • Anyone who owns a bike or scooter can purchase this policy.
  2. How is IDV calculated?
    • The Insured Declared Value (IDV) is based on your bike’s make, model, and age. It’s the maximum amount you’ll receive in case of total loss or theft.
  3. How long does it take to settle a claim?
    • Most claims are settled within 30 days of submitting all required documents.
  4. What’s the claim intimation process?
    • You can call SBI’s toll-free number, SMS “CLAIM” to 561612, or email [email protected] to initiate the process.

SBI SBI Two Wheeler Insurance is a Smart Choice

SBI Two Wheeler Insurance isn’t just about meeting legal requirements—it’s about giving you peace of mind. With its comprehensive coverage, affordable premiums, and customer-friendly features, it’s a policy that truly cares for you and your ride. Whether you’re a daily commuter or a weekend adventurer, SBI ensures you’re always protected.

So, why wait? Secure your bike or scooter today with SBI Two Wheeler Insurance and ride with confidence, knowing you’re covered every step of the way.