Taking a liability insurance is mandatory in India, but it is recommended that you opt for a comprehensive insurance plan to ensure you get complete protection, for yourself as well as for your vehicle.

Here’s how you can choose the best two-wheeler for your bike:

Define the coverage you want require: Here coverage refers to the amount as well as the type of insurance coverage you want. Select the type of insurance you want based on your requirement, your affordability and your existing liabilities.

Select a trusted insurance company: You are giving your hard-earned money to a company so that it can help you when you meet with an accident and require funds the most. Its only logical that you select a company which is reputed and trusted in the industry. Your insurance provider should have the competency to resolve your issues related to the vehicle.

Compare policies: If we go to various electronic stores to compare the price of a laptop, why shouldn’t we do the same with an insurance policy. In fact, with the numerous third-party websites, you can easily compare insurance plans without having to go anywhere. This way, you’ll know how the various insurance policies stand and which one suits you the best.

Bike/Scooter capacity: Your premium depends significantly on your vehicle’s capacity. You can get an idea of how much the insurance will cost you by giving the insurance company the details about your bike’s cubic capacity. If your two-wheeler’s capacity is high, then your premium amount, too, will be high.

Opt for a zero-depreciation cover: If you opt for a zero-depreciation cover, then you will be able to get the entire compensation amount at the time of any accident. Usually, an insurer reimburses the claim amount after deducting the depreciation amount.