01
Comprehensive cover
Protection against own damage along with third-party liability, subject to policy terms and exclusions.
Explore option →MS✓
Quick, guided supportFrom plan selection to policy assistance
Policy assistanceSimple & transparent
Support deskOne call away● Available
01Share vehicle details
02Review suitable options
03Get guided assistance
Clear guidance. No confusing jargon.
✦ Bike insurance assistance✦ Renewal support✦ Add-on guidance✦ Documentation help✦ Claim process guidance✦ Bike insurance assistance✦ Renewal support✦ Add-on guidance✦ Documentation help✦ Claim process guidance
Coverage options
Protection made for
the road ahead.
Understand common cover types and choose what suits your needs. Final coverage is subject to the insurer's policy terms.
02
Third-party cover
Mandatory liability cover for injury or damage caused to a third party, as required under applicable law.
Explore option →03
Own damage cover
Cover for accidental damage, theft and specified risks when a valid third-party policy already exists.
Explore option →* Product availability, premium, add-ons, coverage and claim settlement are determined by the respective insurer. Please read the policy wording before purchase.
MS
✦
Clarity firstKnow what you choose
The MotorShield difference
Insurance support that
keeps pace with you.
We simplify the details so you can make an informed choice—without the paperwork feeling overwhelming.
01
Guided plan selection
We help you understand cover types, exclusions and useful add-ons.
02
Quick documentation support
A straightforward checklist and help through every step.
03
Human assistance
Real support for policy-related questions and next steps.
Compulsory Personal Accident
A personal shield
worth ₹15 lakh.
CPA is designed to provide financial protection for the registered owner-driver against eligible accidental death or permanent total disablement while riding the covered two-wheeler.
CPA
SUM INSURED₹15,00,000
01✓Owner-driver protectionFor the person and vehicle named in the certificate
✓Accidental death benefit100% of applicable sum insured, subject to policy terms
✓Permanent total disablementEligible events as defined in the underlying policy
✓Coverage up to age 60Age and eligibility conditions apply
! A valid driving licence, lawful vehicle use and required claim documents are mandatory. Restrictions and exclusions apply.
Optional protection
Make your cover
work harder.
Add-ons can enhance a comprehensive or own-damage policy. Availability and conditions vary by insurer, vehicle and plan.
When it matters most
Claim guidance,
without confusion.
Claims are processed and settled by the insurer. MotorShield can help you understand the usual steps and documentation needed to initiate the process.
Speak to our team →01Notify promptlyInform the insurer and note the reference number.
02Document the incidentKeep photos, vehicle papers and relevant reports ready.
03Inspection & assessmentCooperate with the authorised survey and garage process.
04Insurer decisionSettlement remains subject to policy terms and admissibility.
Easy by design
From details to cover
in three clear steps.
1
Tell us about your bike
Share basic vehicle and contact details securely.
2
Review your options
Understand suitable covers, benefits and key terms.
3
Complete with assistance
Our team guides you through documentation and next steps.
Rider feedback
What a great experience
should feel like.
★★★★★
“The team explained the difference between third-party and comprehensive cover in simple language. The whole enquiry felt straightforward.”
★★★★★
“I needed help understanding renewal documents. The checklist and callback made the next steps much easier to follow.”
★★★★★
“No confusing jargon—just a clear explanation of add-ons and what I should check before choosing a policy.”
Demo review content for design preview. Replace with genuine, consented and verifiable customer feedback before publishing.
YOUR RIDE. YOUR PLAN. YOUR SHIELD.Let’s get your bike
Start your enquiry ↗Let’s get your bike
road-ready.
Start here
Ready to protect
your next ride?
Leave your details and our team will contact you to understand your requirements.
Good to know
Questions,
answered clearly.
Still unsure? Call our support team and we’ll help you understand the next step.
Is two-wheeler insurance mandatory?+
Yes. A valid third-party liability policy is mandatory for vehicles used on public roads in India. Comprehensive or own-damage cover may be chosen based on your needs.
What details are needed to get an estimate?+
Typically, your bike registration details, previous policy information, claim history and basic contact details are required. The exact requirements can vary by insurer.
Does MotorShield issue the policy?+
MotorShield provides assistance in understanding and obtaining insurance. The insurance policy, coverage and claims are issued and administered by the respective registered insurer.
What is not covered in a policy?+
Common exclusions may include wear and tear, mechanical breakdown, invalid licence, intoxicated riding and use outside policy terms. Always check the insurer's policy wording.
What is IDV in bike insurance?+
Insured Declared Value is the maximum value considered by the insurer for total loss or theft, subject to policy conditions. It also influences the own-damage premium.
What is a No Claim Bonus (NCB)?+
NCB is a renewal discount on the own-damage premium for eligible claim-free policy years. It belongs to the policyholder and may be transferable to a replacement vehicle under applicable rules.
Can an expired bike policy be renewed?+
Usually yes, but the insurer may require vehicle inspection and coverage begins only after approval and policy issuance. Any break-in period leaves the vehicle uninsured.
What affects my two-wheeler premium?+
Factors may include vehicle make, model, age, registration location, IDV, selected cover, add-ons, claim history and applicable discounts.
How do cashless and reimbursement claims differ?+
In an eligible cashless claim, the insurer settles approved repair costs directly with a network garage, subject to deductions. In reimbursement, you pay first and submit eligible documents to the insurer.
Can I transfer insurance when selling my bike?+
The policy transfer should be requested within the applicable timeframe with the required ownership documents. NCB generally remains with the seller rather than the vehicle.
What does CPA cover?+
Subject to its certificate and policy terms, CPA provides personal accident protection for an eligible registered owner-driver against accidental death or permanent total disablement while driving the covered vehicle.