2 Wheeler Insurance: Why Aapka Policywala is Your Top Choice

Owning a two-wheeler in India provides immense convenience and freedom. Whether you ride a bike, scooter, or moped, ensuring your vehicle with a reliable insurance policy is not just a legal requirement but also a critical safeguard against unexpected events. Aapka Policywala emerges as a top choice for 2 wheeler insurance, offering comprehensive coverage, competitive prices, and a seamless online experience. This guide delves into the nuances of two-wheeler insurance and explains why Aapka Policywala should be your go-to insurance provider.

Understanding 2 Wheeler Insurance

What is 2 Wheeler Insurance?

2 wheeler insurance provides financial protection against damages or losses incurred by your bike, scooter, or moped due to accidents, theft, natural calamities, and third-party liabilities. There are primarily two types of two-wheeler insurance policies:

  1. Third-Party Liability Insurance: Covers damages to third-party property and injuries caused by your two-wheeler. This type of insurance is mandatory under Indian law.
  2. Comprehensive Insurance: Offers extensive coverage, including third-party liabilities, own damage, theft, fire, and natural disasters. It provides a higher level of protection compared to third-party liability insurance.

Why is 2 Wheeler Insurance Important?

  1. Legal Compliance: Riding a two-wheeler without valid insurance is illegal in India and can result in hefty fines and penalties.
  2. Financial Protection: Insurance protects you from the financial burden of repairing or replacing your two-wheeler in case of accidents, theft, or damage.
  3. Medical Expenses: Some insurance policies include personal accident cover, which helps cover medical expenses in case of injuries sustained in an accident.
  4. Peace of Mind: Knowing that you are financially protected against unforeseen events allows you to ride with confidence and peace of mind.

Why Choose Aapka Policywala for 2 Wheeler Insurance?

Comprehensive Coverage

Aapka Policywala offers a range of policies tailored to meet the diverse needs of two-wheeler owners. Their comprehensive insurance policies cover third-party liabilities, own damage, theft, fire, and natural calamities. Additionally, they offer personal accident cover for the rider and pillion, ensuring maximum protection on the road.

Competitive Pricing

One of the standout features of Aapka Policywala is their competitive pricing. By partnering with multiple insurance providers, they offer some of the best rates in the market. Whether you are looking for a basic third-party liability policy or a comprehensive plan, Aapka Policywala ensures you get value for your money.

Seamless Online Experience

Aapka Policywala has revolutionized the way people buy two-wheeler insurance online. Their user-friendly website and mobile app make it easy to compare policies, get instant quotes, and purchase insurance in a matter of minutes. The entire process is transparent, efficient, and hassle-free.

Easy Renewal Process

Renewing your two-wheeler insurance with Aapka Policywala is a breeze. They send timely reminders for policy renewal and offer a simple online renewal process. Just enter your policy details, select the desired coverage, and make the payment. It’s that simple!

Excellent Customer Support

Aapka Policywala prides itself on providing excellent customer support. Their team of insurance experts is available to assist you with any queries, claims, or concerns. Whether you need help choosing the right policy or filing a claim, their dedicated support team ensures a smooth and satisfactory experience.

Factors Affecting Bike Insurance Price

Several factors influence the bike insurance price, including:

  • Type of Coverage: Comprehensive policies are more expensive than third-party liability insurance due to the broader coverage.
  • Bike Model and Age: High-end and newer bikes attract higher premiums compared to older models.
  • Geographical Location: Urban areas with higher traffic and accident rates tend to have higher premiums.
  • Rider’s Age and Experience: Younger and less experienced riders often face higher premiums.
  • No Claim Bonus (NCB): If you haven’t made any claims during the policy term, you can earn a discount on your renewal premium.

Benefits of Buying 2 Wheeler Insurance Online


Buying 2 wheeler insurance online with Aapka Policywala is incredibly convenient. You can compare different policies, check the coverage details, and get instant quotes from the comfort of your home. There is no need to visit multiple insurance offices or deal with lengthy paperwork.

Instant Policy Issuance

With Aapka Policywala, you can get your bike insured instantly. Once you select the policy and make the payment, you will receive the policy document in your email immediately. This ensures that you are covered from the moment you make the payment.

Transparent Process

Aapka Policywala provides a transparent process where you can see all the terms and conditions upfront. There are no hidden charges or surprises, and you can make an informed decision based on your needs.

Secure Transactions

Security is a top priority at Aapka Policywala. They use advanced encryption technologies to ensure that your personal and financial information is safe during online transactions.

How to Buy 2 Wheeler Insurance Online with Aapka Policywala

  1. Visit the Website: Go to Aapka Policywala’s website and navigate to the two-wheeler insurance section.
  2. Enter Bike Details: Fill in your bike’s make, model, and registration details to get customized quotes.
  3. Compare Policies: Compare different policies based on coverage, premiums, and add-ons.
  4. Select Policy: Choose the policy that best suits your needs and budget.
  5. Make Payment: Complete the payment process through their secure payment gateway.
  6. Receive Policy Document: Get your policy document instantly in your email.

Tips for Choosing the Right 2 Wheeler Insurance

Assess Your Coverage Needs

Consider factors such as your two-wheeler’s age, usage patterns, location, and personal preferences to determine whether you require comprehensive coverage or just third-party liability coverage.

Compare Plans from Multiple Insurers

Utilize Aapka Policywala’s insurance comparison website to compare policies from various insurers. Evaluate coverage benefits, add-ons, premium costs, and customer reviews for each policy to identify the most suitable option.

Check Insurer’s Reputation

Research the reputation and financial stability of the insurance companies you’re considering for bike, scooter, or moped coverage. Look for customer reviews, ratings, and the insurer’s claim settlement record to assess their reliability and customer service quality.

Look for Discounts and Offers

Many insurance providers offer discounts and promotional offers. Look for deals that can help reduce your premium without compromising on coverage.


1. What is the difference between third-party liability and comprehensive 2 wheeler insurance?

Third-party liability insurance covers damages to third-party property or injuries caused by your bike. Comprehensive insurance, on the other hand, offers broader coverage, including third-party liabilities, own damage, theft, and natural calamities.

2. How can I get the best bike insurance price?

To get the best bike insurance price, compare different policies online, look for discounts, and maintain a good riding record to earn a No Claim Bonus (NCB).

3. Can I renew my two-wheeler insurance online with Aapka Policywala?

Yes, you can easily renew your two-wheeler insurance online with Aapka Policywala by entering your policy details, choosing the coverage, and making the payment.

4. What factors affect the 2 wheeler insurance premium?

Factors affecting the 2 wheeler insurance premium include the type of coverage, bike model and age, geographical location, rider’s age and experience, and No Claim Bonus (NCB).

5. Is it safe to buy 2 wheeler insurance online?


Yes, buying 2 wheeler insurance online with Aapka Policywala is safe and secure. They use advanced encryption technologies to protect your personal and financial information.

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