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Two-Wheeler Insurance · head to head

Two Wheeler Vehicle Package Policy vs Two Wheeler Insurance Policy – Package

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Quick verdict

  • Two Wheeler Vehicle Package 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 Vehicle Package Policy
Two Wheeler Insurance Policy – Package
Policy
Policy types
Two Wheeler Vehicle Package Policy (Tenure 1, 2 and 3 years), Standalone third party long term two wheeler insurance policy, Two wheeler vehicle liability policy, Stand-alone own damage two wheeler insurance policy, Bundled two wheeler policy
Comprehensive Bike Insurance, Own Damage Bike Insurance, Third-Party (TP-only) Bike Insurance, Bundled Two-Wheeler Insurance Policy
Number of add-ons listed
16
10
Add-ons listed
Zero Depreciation, NCB Protect, Return to Invoice, Garage Cash, Road Side Assistance, Motor Floater, Telematics, Battery Protect Cover, Emergency Medical Expenses, Consumables Cover, Driving Accessories Cover, Engine Protect Plus, Key Protect, Tyre and Wheel Rim Protect, IL Smart Assist, War Risk Cover
Zero Depreciation Cover (Depreciation Reimbursement), Engine Protection Cover, Loss of Personal Belongings Cover, Roadside Assistance Cover, NCB Protection Cover, Return to Invoice Cover, Daily Allowance Cover, Consumables Cover, Tyre Protect Cover, Personal Accident Cover
Cashless garages
7100+ garages
1,799+ network garages
Claim process
Inform ICICI Lombard (website, IL TakeCare app or helpline), complete video survey via InstaSpect in the IL TakeCare app, submit documents, track the claim.
Call 1800 102 1111 or email customer.care@sbigeneral.in; get Claim Reference Number; submit DL, RC, FIR as applicable; inspection within 24 hours on a working day; cashless repair at network garage on confirmation; claims can also be raised and tracked in the SBI General mobile app.
Insurer
IRDAI UIN
IRDAN115RP0015V05201415
IRDAN144RP0006V02201112

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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