Bike Insurance Premium Estimator

Estimate your two-wheeler premium — own-damage, third-party and add-ons — and see how IDV and NCB change the price.

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Bike Insurance Premium Estimator

Approximate two-wheeler premium, own-damage plus third-party.

Policy type
₹
Don’t know it? Calculate IDV first →
Engine
Registration city
Zone A: Ahmedabad, Bengaluru, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi, Pune.
Discount, deductible & add-ons
50%
Insurers price own-damage cover below the old India Motor Tariff rates. Move this until the estimate matches a real quote you have seen.
₹
Compulsory unless you already hold ₹15 lakh PA cover. Set 0 to exclude. Price varies by insurer.
Add-ons (indicative prices)
Runs in your browser — nothing is stored Rules checked: October 2026 No sign-up, no phone number

How two-wheeler premium is built

A comprehensive two-wheeler policy has an own-damage part (driven by IDV, cc, age and zone), a fixed third-party part, the compulsory owner-driver PA cover, optional add-ons and 18% GST. For most commuter bikes the third-party premium is a large share of the total, which is why NCB and IDV changes move the final price less than they do for cars.

Third-party base premiums for two-wheelers

VehicleAnnual TP premium
Two-wheeler up to 75cc₹538
Two-wheeler 76–150cc₹714
Two-wheeler 151–350cc₹1,366
Two-wheeler above 350cc₹2,804
Electric two-wheeler up to 3 kW₹457
Electric two-wheeler 3–7 kW₹607
Electric two-wheeler 7–16 kW₹1,161
Electric two-wheeler above 16 kW₹2,383

Base rates under the Motor Vehicles (Third Party Insurance Base Premium and Liability) Rules, 2022, before 18% GST. Rates are notified by the Government in consultation with IRDAI and can change.

Example

A 125cc scooter with an IDV of ₹65,000 in Zone B, under five years old, 20% NCB and a 50% insurer discount on the tariff rate: basic OD comes to about ₹545, NCB takes off ₹109, the third-party premium is ₹714, PA cover adds around ₹330, and GST brings the total to roughly ₹1,750. Try it above and change one input at a time.

Bike premium FAQs

Is third-party-only cover enough for a bike?

It is the legal minimum, but it pays nothing if your own bike is stolen or damaged. For a bike worth more than a few thousand rupees, the extra cost of own-damage cover is usually small compared with the risk.

Why does my new bike policy show five years of third-party premium?

New two-wheelers must carry long-term third-party cover for five years. Own-damage cover can be bought for one year and renewed separately.

Does engine cc affect own-damage premium?

Yes, a little. The reference OD rate rises slightly with cc. The bigger effect of cc is on the third-party premium.

Related: How bike insurance premium is calculated · Bike IDV calculator