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Two-Wheeler Insurance · head to head

Two Wheeler Insurance (Comprehensive) vs Comprehensive Bike Insurance (Motor Cycle / Scooter B Policy)

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Quick verdict

  • Comprehensive Bike Insurance (Motor Cycle / Scooter B Policy) is better for most add-ons to choose from.

Computed from stored specifications, the published two-wheeler insurance scoring rules and recorded prices. Not an opinion.

Specifications side by side

Spec
Two Wheeler Insurance (Comprehensive)
Comprehensive Bike Insurance (Motor Cycle / Scooter B Policy)
Policy
Policy types
Comprehensive insurance, Third Party insurance, Standalone own damage, cover for a brand new bike
Third-Party Bike Insurance Policy, Own Damage Bike insurance policy, Comprehensive Bike Insurance; bundled cover with 1 Year OD & 5 Year TP; Two Wheelers Package Policy - 5 Years
Number of add-ons listed
9
11
Add-ons listed
Zero Depreciation, No claim bonus (NCB) Protection, Emergency Assistance Cover, Return to Invoice, Engine & Gear Box Protector, Cost of Consumables, Cash Allowance, EMI Protector, TW PA Cover
Zero Depreciation Cover, Towing charges, Loss of key, Consumable Cover, Electrical & Non-electrical item cover, Helmet Cover, Pay as you Use, EMI Protection, Engine and Gear box Protection Cover, Rim Protection Cover, Tyre Replacement
Cashless garages
2000+
8500+
Claim process
4 steps: 1. Contact claim team via helpline or WhatsApp 8169500500 and upload documents via link. 2. Self inspection or app-enabled digital inspection by surveyor/workshop partner. 3. Track claim status on claim tracker. 4. On approval, settled through network garage.
Intimate via QCS app (minor claims under Rs. 50,000), call centre 1800-103-5499 / 0124-4285499, website 'make a claim', branch walk-in, SMS 'CLAIM' to 56161 or email support@iffcotokio.co.in. Cashless: intimate, survey (upload documents and photos), settlement directly with you or the network garage.
Insurer
IRDAI UIN
HDE MO P14 40 V02 14 15
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A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.

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