Ravi was going back home after a long day at work. There was heavy traffic on the streets and headlights gleamed through the rain. At every bend, horns reverberated. His bike skidded on a wet spot just a few lanes from his home. In one second, he was lying on the road, looking at his bent handlebar. He got up slowly, checked for bruises, and felt a wave of relief - he was fine. But the bike? Not so much. The front mudguard was cracked, the side mirror dangling. The mechanic later told him it would take a good amount of his salary to get it fixed. That’s when it struck him. He remembered that his insurance had expired two months ago.
Have you ever had one of those “I should’ve done this earlier” moments? Most riders have.
A week later, his friend Neha told him how her National Insurance two-wheeler plan had covered a similar repair. No stress, no delay, no dent in her savings. It got Ravi thinking: how many of us wait for something to go wrong before taking action?
A small step like keeping your bike insured can make the biggest difference when life takes a sharp turn. Want to see how National Insurance Two Wheeler can keep your rides safe and your mind at ease? Read on as the details below might save you from your next roadside worry.
About National Insurance Company
National Insurance Company is a trusted, government-owned insurer with a rich legacy, having safeguarded lives and vehicles in India for over a century. Founded in 1906, National Insurance has its roots deep in reliability and service. And when it comes to two wheeler insurance, it brings both experience and innovation to the table.
What really sets National Insurance apart is its clear focus on customer needs. The company supports millions by shielding them from financial shocks after accidents, thefts, or disasters. There's a robust network of more than 3100 partner garages across the country. So if something goes wrong with your bike, help is usually just around the corner.
The claim process? It’s designed to be hassle-free and transparent. Simple online claim tracking, prompt settlements, and a 24x7 customer assistance service all combine to make things easier when you need support the most. Plus, National Insurance regularly rolls out plans with flexible cover options, including long-term policies and valuable add-ons that let you customize your protection for your unique riding style.
For a company that values your peace of mind, National Insurance is about support that goes beyond the paperwork. After all, that’s what you deserve when your prized two-wheeler is on the line.
Features of National Insurance Two Wheeler
Some of the most promising features of National Insurance Policy are:
1
Wide-Ranging Protection
A National Insurance two wheeler policy is designed to keep riders covered from all sides. It covers accident and theft protection, third-party liabilities, and coverage for damages from fire, natural disasters, or even vandalism as some standard features. You get comprehensive protection that does more than just tick legal boxes, giving peace of mind every time you start your bike.
2
Hassle-Free Claim Settlement
Claiming isn’t complicated here. National Insurance has streamlined the whole process so it’s quick and transparent. Riders can track their claims online and get help whenever they need it, due to 24x7 customer service. And with a strong track record of a 93% claim settlement ratio, confidence in support is sky-high.
3
Extensive Garage Network
What do you do if your bike breaks down? Don't worry. There are more than 3100+ garages across the country that work with us, so you can always get skilled service. This vast network ensures that repairs may be done quickly and without cash, which equals less time off for you and your car.
4
Customizable Plans with Add-Ons
But occasionally, regular coverage isn't enough. That's when National Insurance's add-ons come in. You can choose Zero Depreciation (which means you get the complete claim without any items being taken away), Engine Protection, Roadside Assistance, Return to Invoice, No Claim Bonus protection, and more. These extras let each rider customize their policy by adding coverage where they need it most.
5
Personal Accident Cover
Safety is not up for debate. Each insurance has personal accident coverage for the owner-driver of up to Rs. 15 lakh, so your loved ones will be financially protected in event of a serious accident.
Types of Two Wheeler Insurance Policies Offered
There are different types of two-wheeler insurance policies:
Third-Party Liability Insurance
If you own a bike in India, third-party liability insurance is mandatory. This policy covers damage or injury to others (their person, property, or vehicle), if you’re at fault in an accident. But, it won’t pay for repairs to your own bike, so it’s the legal minimum.
Comprehensive Insurance
You get everything from third-party liability, plus protection for your own vehicle. This means claims for damage from accidents, theft, fire, floods, and more. Comprehensive policies also unlock those handy add-ons for those who want extra assurance on the road.
Standalone Own Damage Cover
If you need protection only for your own bike, go for Standalone Own Damage. It’s meant for situations where your bike faces accidental damage or disasters, not just third-party trouble.
Long-Term Policies
National Insurance offers policies for up to three years, so you stay protected longer and avoid the hassle of renewing every year. More time riding, less time worrying about paperwork.
What is Covered and Not Covered Under National Insurance Two Wheeler Policy?
What’s Covered?
A National Insurance two wheeler policy brings wide-ranging coverage. You’ll get financial protection for almost any major mishap that can strike your bike. Here’s what’s included:
Third-Party Liability: Covers injury, death, or property damage you may cause to someone else. And for legal claims, you’re protected up to Rs. 7.5 lakhs for third-party property damage.
Own Damage: Your bike is covered for accidental loss or damage from a road accident, fire, theft, or natural disasters like floods and earthquakes. Even man-made troubles like riots or vandalism are handled.
Personal Accident Cover: A safety net of up to Rs. 15 lakh in case of serious injury or death to the owner-driver in an accident.
Add-Ons: If you want extra safety, there are add-ons like zero depreciation (full value for repairs), engine protection, roadside help, and more that you can choose.
It’s a mix of mandatory protection and customizable extras that keeps you riding worry-free.
What’s Not Covered?
But every policy has its limits. Some situations are just not included:
Normal wear and tear over time.
Mechanical breakdowns that aren’t caused by covered risks.
If you break the law like riding without a valid license or under the influence, it’s not covered.
Loss or damage outside India’s borders.
Any loss while using your bike for illegal or racing activities.
Certain consumables, unless you choose a specific add-on.
So, while the protection is wide, it still asks you to ride responsibly and keep things above board.
Why Choose National Insurance Two Wheeler Insurance?
Choosing National Insurance means you’re banking on a company with over a century’s experience and a government-backed promise. And there are plenty of reasons why people trust it:
Reliable Service: A huge claims support network, 24/7 helpdesk, and a strong 93% claim settlement ratio mean help is always close when you need it most.
Easy Access: Buy, renew or claim online. The process is smooth, saving riders the usual hassle.
Network Strength: With more than 3100+ partner garages nationwide, you never worry about being stranded after an accident.
Customizable Protection: Besides solid base coverage, National Insurance lets you pick smart add-ons so your policy fits your riding style and needs.
No Claim Bonus: If you ride safely and don’t raise a claim, you get a reward of up to 50% discount. It’s their way of cheering on responsible riders.
Long-Term Plans: There are multi-year policies so you can avoid annual renewal and ride with peace of mind for years.
In short, National Insurance is one of the most trusted partners for two wheeler coverage in India.
Popular Add-Ons (Optional Covers)
If you want to beef up your bike insurance, National Insurance offers some handy add-ons. Think of these as little power-ups; you only pay for what you need.
Zero Depreciation Cover: Want your claim to pay for the full price of parts, not just their depreciated value? This add-on can help. It means you don’t lose money on plastic, rubber, or fiber parts if your bike gets damaged.
Return to Invoice Cover: In the case of total loss or theft, this add-on lets you claim the bike’s original invoice value. Handy if you’ve just bought a new bike.
Engine Protection Cover: If waterlogging or other mishap messes up your bike’s engine, this add-on has your back.
Roadside Assistance: This cover offers emergency towing, flat tyre changes, and even fuel help if you run out.
NCB Protector: If you made a small claim and are worried you’ll lose your premium discount, with this add-on, your No Claim Bonus stays safe even after a claim.
Consumables Cover: Covers small but vital materials like engine oil, nuts and bolts, and brake fluid during repairs.
And if you carry a pillion often, there’s even a Passenger Assistance add-on for extra safety. These options mean you can build a plan that fits your unique riding life.
National Insurance Bike Policy Renewal Process Online
Enter your policy details or registration number to fetch your plan.
Review your existing policy, select any new add-ons, and confirm your details.
Check your new premium, pay securely online, and get an instant policy copy by email.
Don’t worry about paperwork or waiting in line. And if you’re an SMC Insurance customer, you can always get help comparing options and securing your renewal in minutes.
National Insurance Two Wheeler Policy Claim Procedure
No one wants to make a claim. But if you need to, the process is smooth and quick:
Inform National Insurance right after the incident. You can do this online or via phone.
For theft or major accidents, file an FIR with the local police.
Fill out the claim form. Gather important papers like your policy document, bike registration, driver’s license, repair estimate, and photos if possible.
Submit everything for processing. National Insurance may send a surveyor to look at the damage.
Once approved, get your bike fixed at a network garage or if you’ve already paid, get reimbursed promptly.
How can SMC Insurance help you to settle a claim?
That’s where SMC Insurance’s expertise shines. SMC will guide you on what documents to submit and how to avoid mistakes that could slow things down. You get advice on claim filing, personalized reminders, and help if paperwork is missing or the process becomes tricky.
Required Documents Needed to File a Claim
Filing a claim with National Insurance is straightforward if you keep all your documents handy. Here’s what you’ll usually need:
Duly filled claim form: This is the official request for your claim.
Policy document: A copy of your current two wheeler insurance policy.
Registration Certificate (RC): Proof that your bike is legally registered.
Driving License: The license of the person riding at the time of the accident.
FIR/Police Report: If you’re claiming for theft or major accident, an FIR is essential.
Repair bills and estimates: If you’ve already made repairs, keep your bills and cost estimates.
Medical bills: If there were any injuries because of the accident.
All bike keys: Especially needed in the case of theft claims.
No Trace Report: Issued by the police for theft claims.
Theft declaration, warranty card, service booklet: As needed for theft or special claims.
Having these ready can speed things up and help you avoid delays.
You can get hard copies from the insurer’s office as well, just fill the request form and take it up with any National Insurance branch.
National Insurance Bike Insurance Policy Toll-Free Number
For queries or claim assistance, here’s the toll-free number:
National Insurance Toll-Free: 1800 345 0330
Top 15 Important Cities Contact Centre Numbers
Let’s look at the list now:
City
NICL Office Type
Contact Number(s)
Kolkata (Head Office)
Corporate / Zonal
033-22831705 / 033-22831742
Delhi
Regional Office
011-23329504
Mumbai
Regional Office
022-28663130
Bengaluru
Regional Office
080-25584081
Chennai
Regional Office
044-28525331 / 044-28525441
Hyderabad
Regional Office
040-23257170
Pune
Branch Office
020-26123889
Ahmedabad
Regional Office
079-25506262
Jaipur
Regional Office
0141-2744211
Lucknow
Regional Office
0522-2625882
Patna
Regional Office
0612-2204324
Bhopal
Regional Office
0755-2761988
Coimbatore
Regional Office
0422-2321350 / 0422-2318928
Kochi (Ernakulam)
Regional Office
0484-2365187 / 0484-2441110
Guwahati
Regional Office
0361-2450967
(For more, visit the official site’s contact section, or ask SMC Insurance for help in finding the right branch in your city.)
Premium Saving Tips
Want to save on your next two wheeler policy? Try these smart moves:
Choose a higher voluntary deductible: This lowers your premium, but means you pay a bit more if you claim.
Claim your No Claim Bonus (NCB): Ride safe, skip claims, and enjoy discounts as high as 50% on renewal.
Opt for long-term policies: Multi-year plans often cost less per year than single-year ones.
Install anti-theft devices: Some insurers give discounts if you protect your bike with certified security systems.
Avoid small claims: Minor repairs out of pocket preserve your NCB.
Compare add-ons: Only pick extras that match your needs, so you don’t overpay.
Every little tweak can help you keep more money in your pocket and still get the protection your ride deserves.
Recent Updates & Highlights (2025)
NICL has made big strides this year and brought new features to two wheeler insurance that are worth knowing!
Digital Policy Issuance Getting insured has never been easier. National Insurance now offers fully digital policies. That means you can buy, renew, and even submit claims without any messy paperwork. Just log in, click a few buttons, and you’re done. Even claim submission is online and hassle-free.
Expanded Garage Network Cashless repair convenience just got an upgrade. In 2025, NICL has confirmed 3,100+ garages in its network. Whether you’re in a metro or a small town, the odds of finding a cashless garage nearby just got a lot better. That’s peace of mind wherever your two wheels take you.
EV Two Wheeler Cover And if you ride an electric bike or scooter, here’s good news: National Insurance now offers plans for electric two-wheelers. These fresh covers look out for battery packs and other unique risks EVs face, so both you and the planet enjoy better protection.
Increased Personal Accident Cover Safety comes first, always. NICL has bumped up the personal accident cover - you can now opt for a PA limit of up to Rs. 15 lakhs. That’s added security for you and your family, and it’s a smart way to stay worry-free about the unexpected.
Why You Should Buy It Now
Upgrades like these don’t come every day. Digital policies mean less effort, zero paperwork and instant access. An expanded network means fast cashless repairs, reaching more riders than ever before. And if you use an EV or want a bigger PA cover, the new plans fit right in.
But here’s the real kicker: these benefits might not last forever. Buying now locks in today’s features, No Claim Bonus rewards, and premium rates. Plus, every day you wait is another day of riding without full protection. SMC Insurance is here to walk you through it, compare choices, and help you ride with confidence.
Ready to secure your bike?
Choose National Insurance and let SMC Insurance match you with the perfect plan. Enjoy digital convenience, nationwide coverage, and extra perks designed for today’s riders and tomorrow’s. Reach out now and keep every journey protected.
Summing Up
Life on two wheels is full of adventures and it’s smart to be prepared. National Insurance makes protecting your bike easy with flexible plans, cashless garages almost everywhere and now digital convenience at every step. Whether you ride petrol or electric, there’s a policy built for you. And with features like enhanced accident cover and instant claim support, peace of mind comes standard.
So, when you’re ready for the next ride, remember: the best protection is just a click away. SMC Insurance is here to help - you focus on the journey, we’ll handle the safety.
Disclaimer: The information provided on this platform is intended for general awareness and educational purposes. While every effort is made to ensure accuracy, some details may change with policy updates, regulatory revisions, or insurer-specific modifications. Readers should verify current terms and conditions directly with relevant insurers or through professional consultation before making any decision.
All views and analyses presented are based on publicly available data, internal research, and other sources considered reliable at the time of writing. These do not constitute professional advice, recommendations, or guarantees of any product’s performance. Readers are encouraged to assess the information independently and seek qualified guidance suited to their individual requirements. Customers are advised to review official sales brochures, policy documents, and disclosures before proceeding with any purchase or commitment.
FAQs
A Third-Party Liability policy: covers legal liability for damage to others or their property.
A Comprehensive (Package) policy: includes third-party cover plus own-damage to your two-wheeler (accident, theft, natural calamities).
Optionally, you can add covers (add-ons) such as nil-depreciation, engine protection, etc (for the comprehensive plan).
Go to NICL’s website, select the “Motor Insurance / Two Wheeler” option and enter your bike details and previous policy information. Choose your plan (third-party or comprehensive), make online payment via net-banking / card / UPI.
On renewal: if the previous policy hasn’t lapsed, you get instant renewal. If it lapsed, inspection might be required.
Immediately notify NICL of the incident via their toll-free number or online portal. If required (especially for theft, fire, or major damage) file an FIR at the police station. You can then submit the claim form plus relevant documents (policy copy, RC, driving licence, repair bills, photos, surveyor report) as required.
Yes, you can transfer the policy to the new owner’s name once the vehicle ownership is changed. Your No Claim Bonus (NCB) remains with you and cannot be passed along to the new owner.
No Claim Bonus (NCB): For each claim-free year you get a discount on the own-damage portion of premium, up to ~50% after some years.
Other possible discounts: choosing voluntary excess, being a member of certain automobile associations.
Instant Renewal.
No Paperwork.
