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IFFCO Tokio Standalone Own-Damage Bike Insurance Policy

Riding a two-wheeler has a few risks and this can be a reason for your family to always worry about your safety. An insurance policy will give you a layer of protection against such risks by providing compensation for your own damage costs. Moreover, it also gives the insurance holder security in a time of crisis. If you purchase a standalone own-damage two-wheeler insurance it will provide protection for both you and your two-wheeler in several situations. This includes cases of theft, road accidents, fires, natural and manmade calamities. Purchased alongside your compulsory third party insurance it is sure to give you all-round protection.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance


IFFCO Tokio Third Party Insurance

IFFCO Tokio Standalone Own-Damage Insurance

IFFCO Tokio Comprehensive Insurance


IFFCO Tokio’s third party two-wheeler insurance cover will compensate for third party liabilities including bodily injuries, death and property damage. The maximum compensation for property damage is Rs 1 Lakh.

IFFCO Tokio’s standalone own-damage two-wheeler insurance policy will take care of its own damage costs in the event of a mishap. Moreover, it provides this compensation in several scenarios.

IFFCO Tokio’s two-wheeler comprehensive two-wheeler insurance plans will give you all-around protection. They take care of both own damage costs and third party liabilities under a single premium.


IFFCO Tokio’s third party two-wheeler insurance does not offer add-on covers.

IFFCO Tokio's standalone own-damage two-wheeler insurance cover offers several different add-on covers to choose from.

IFFCO Tokio's comprehensive two-wheeler insurance plans also offer a wide variety of add-on covers for customers to choose from.


IFFCO Tokio’s third party two-wheeler insurance is their most inexpensive policy as it provides the most basic coverage.

IFFCO Tokio’s standalone own-damage two-wheeler insurance is more expensive than third party insurance as it offers better coverage.

IFFCO Tokio’s comprehensive two-wheeler insurance plans are the most expensive type of insurance they offer but it gives holistic coverage for both own damage costs and third party liabilities, all under a single premium.

What is Covered Under IFFCO Tokio Standalone Own-Damage Policy?

Following are the aspects that are covered under TATA AIG’s standalone own-damage two-wheeler insurance policy:

  • Accidents that occur due to collisions and damage the two-wheeler.
  • Damage caused to the two-wheeler due to a fire or explosion.
  • Total loss or cases of theft.
  • Natural or manmade calamities that damage the two-wheeler.

What is Not Covered Under IFFCO Tokio Standalone Own-Damage Policy?

Following are the aspects that are not covered under IFFCO Tokio’s standalone own-damage two-wheeler insurance policy:

  • If the two-wheeler breaks down due to an electrical or mechanical failure.
  • If Illegal driving leads to mishaps and damages the two-wheeler.
  • General wear and tear, i.e., depreciation of the two-wheeler.
  • Cases where there are mishaps outside the border of the country.

Benefits of IFFCO Tokio Standalone Own-Damage Policy

Following are the benefits of purchasing an IFFCO TokioTwo-Wheeler Insurance Policy:

  • The own damage cover will take care of its own damage costs in several scenarios.
  • The insurance provider will offer a No Claim Bonus for every claim-free year.
  • There are several add-on covers available that you can select from with an own damage cover.

How To Purchase an IFFCO Tokio Standalone Own-Damage Policy?

Following are the steps you need to take to purchase an IFFCO Tokio Two-Wheeler Insurance Policy:

Step 1: Visit the InsuranceDekho website and select the ‘two-wheeler insurance’ tab on the home page. From the drop-down menu select the ‘Standalone Own Damage’ option.

Step 2: Provide your two-wheeler’s registration number. In case you do not have this information you can enter the two-wheeler’s make, model and year of registration instead.

Step 3: Next enter your personal details and any other information that is required. After this select ‘Submit and Get Quotes’.

Step 4: The quotes available for standalone own-damage two-wheeler insurance policies will be visible on the screen. Select one offered by IFFCO Tokio and select any add-ons you would like to purchase with it.

Step 5: Pay for your selected IFFCO Tokio standalone own-damage two-wheeler insurance policy and the policy document will be sent to your registered email ID.

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