No Claim Bonus (NCB) is a reward for not making any claims in the previous policy year. It applies only to the Own Damage premium component:
1 claim-free year: 20% discount • 2 years: 25% • 3 years: 35% • 4 years: 45% • 5+ years: 50%
NCB is linked to the owner, not the bike — it transfers when you buy a new two-wheeler. A single claim wipes out all accumulated NCB unless you have NCB Protection Cover.
If your bike insurance expires and you delay renewal beyond 90 days, the insurer may require a physical inspection of the vehicle. Your entire NCB discount is also forfeited. Riding with a lapsed policy on public roads is illegal and attracts a ₹2,000 fine + potential imprisonment under the Motor Vehicles Act.
Cashless: Take bike to insurer’s network garage → insurer pays garage directly → you pay only deductible. Reimbursement: Repair at any garage of your choice → pay out of pocket → submit bills → insurer reimburses after verification. Cashless is faster; reimbursement gives more garage choice.
| Factor | Impact on Premium |
|---|---|
| Engine Capacity (CC) | Higher CC = higher TP premium (IRDAI-fixed rates) |
| Insured Declared Value (IDV) | Higher IDV = higher OD premium; lower IDV = under-compensation risk |
| Bike Age & Depreciation | Older bikes attract lower IDV and lower OD premium |
| Geographical Zone (City) | Metro cities (Zone A) attract higher premiums than smaller cities |
| No Claim Bonus (NCB) | Up to 50% discount on OD premium for claim-free years |
| Add-ons Selected | Zero Dep, RSA, Engine Protect each add 5–15% to base OD premium |
| Anti-Theft Devices (ARAI approved) | Up to 2.5% discount on OD premium |
| Voluntary Deductible | Higher voluntary excess = lower premium, but higher out-of-pocket at claim |
Yes. Under the Motor Vehicles Act, 1988, a minimum Third Party Bike Insurance policy is mandatory for all two-wheelers on Indian roads. Riding without insurance attracts a fine of ₹2,000 and/or imprisonment up to 3 months for a first offence. Comprehensive bike insurance is optional but strongly recommended for own damage protection.
Third Party Bike Insurance covers only your legal liability to third parties (bodily injury, death, property damage). It does not cover damage to your own vehicle. Comprehensive Bike Insurance includes Third Party cover PLUS Own Damage Cover for your own bike — accidents, fire, flood, theft, and natural calamities. For any bike under 5 years old, Comprehensive is strongly recommended.
Zero Depreciation Bike Insurance (Nil Dep / Bumper-to-Bumper cover) ensures the full replacement cost of damaged parts is reimbursed without any depreciation deduction. Without this add-on, insurers deduct depreciation (up to 50% on rubber parts) from the claim amount. It is highly recommended for bikes less than 5 years old, as the savings at claim time far outweigh the modest add-on premium.
No Claim Bonus (NCB) is a discount on your Own Damage premium for every consecutive claim-free year. After 1 claim-free year: 20% discount. After 5 consecutive claim-free years: 50% discount. NCB is linked to the policyholder (not the bike) and transfers when you buy a new two-wheeler. If you make a claim, all accumulated NCB is lost — unless you have an NCB Protection Cover add-on.
Renewing your bike insurance online with TropoGo is simple: (1) Enter your bike registration number or existing policy number; (2) Review your details and IDV; (3) Choose your plan — Third Party, Comprehensive, or add Zero Depreciation, NCB Protection, Roadside Assistance; (4) Pay online; (5) Download your policy instantly. The entire two-wheeler insurance renewal process takes under 5 minutes with no paperwork.
Insured Declared Value (IDV) is the current market value of your two-wheeler after accounting for age-based depreciation. It is the maximum amount your insurer will pay in case of theft or total loss (total write-off). IDV is recalculated at every renewal. Choosing a higher IDV gives better theft/total loss coverage but costs slightly more in premium. Never understate IDV just to save premium — it leads to under-compensation at claim time.
Yes — Comprehensive Bike Insurance covers damage from floods, earthquakes, cyclones, hailstorms, landslides, and inundation under the natural calamities clause. However, consequential damage (engine seizure after riding through a flooded road) is excluded unless you add the Engine & Gear-Box Protect add-on. For monsoon-prone cities, this add-on is strongly recommended alongside Zero Depreciation cover.
Roadside Assistance (RSA) is an optional add-on that provides 24/7 emergency help when your bike breaks down or is involved in an accident — including towing (up to a specified distance), flat tyre change, emergency fuel delivery, on-spot minor repairs, and alternative transport arrangement. RSA is especially valuable for highway riders, outstation commuters, and older bikes prone to breakdowns.
