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National Standalone Own-Damage Bike Insurance Policy

Two-wheeler insurance offers protection for both the insurance holder and the two-wheeler in case there is an unfortunate event. It does this by offering compensation to the policyholder in times of crisis and thereby giving financial stability to them. An own-damage insurance cover will take care of the own-damage costs of the two-wheeler in the event of a mishap. Moreover, it will provide this coverage in many different scenarios including cases of vandalism, theft, road accidents, natural and manmade calamities, fires and explosions. Moreover, when paired along with a compulsory third party insurance cover it is sure to provide an all-around protective layer for the two-wheeler and the insurance holder. Since the uncertainties of the road are always constant anxiety for every two-wheeler rider and their family, this insurance will also offer a certain peace of mind.

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

Basis

National Third Party Insurance

National Standalone Own-Damage Insurance

National Comprehensive Insurance

Coverage

National’s third party insurance for two-wheelers offers coverage for only third party liabilities in case of a mishap. This includes bodily injuries, property damage and death. The maximum compensation the cover offers for property damage is Rs 1 Lakh.

National’s standalone own-damage insurance for two-wheelers offers coverage for only own-damage costs in the event of a mishap. But the coverage provides this compensation in many different scenarios including road accidents, theft, vandalism etc.

National’s comprehensive insurance plan for two-wheelers will cover the cost of both own damage and third party liabilities in the event of a mishap all under a single premium. The insurance plan also offers an optional personal accident cover that further enhances coverage.

Add-ons

National General Insurance does not offer its policyholders add-on covers with third party insurance.

National General Insurance offers several add-on covers with standalone own-damage covers.

National General Insurance offers several add-on covers with comprehensive insurance plans.

Cost

National’s third party two-wheeler insurance cover is the most basic cover that they offer and hence is also their least expensive cover.

National standalone own-damage two-wheeler insurance is more expensive than third party insurance as it offers better coverage to the insurance holder.

National comprehensive two-wheeler insurance plan is more expensive than the other two options but also provides the best coverage to the insurance holder.

What is Covered Under a National Standalone Own-Damage Policy?

Following are the aspects that are covered under a National standalone own-damage two-wheeler insurance policy:

  • If there is an accident that involves the two-wheeler.
  • An explosion or fire that causes damage to the two-wheeler.
  • Theft of the two-wheeler or cases of damage that is beyond repair.
  • If there is a natural or manmade calamity that damages the two-wheeler.

What is Not Covered Under a National Standalone Own-Damage Policy?

Following are the aspects that are not covered under a National standalone own-damage two-wheeler insurance policy:

  • Electrical and mechanical breakdowns that cause damage to the two-wheeler in some way.
  • Misuse or illegal driving of the two-wheeler that causes damage to it.
  • Depreciation of the two-wheeler because of normal wear and tear over time.
  • Mishaps that occur in the boundaries of the country.

Benefits of National Standalone Own-Damage Policy

Following are the benefits of purchasing a National Two-Wheeler Insurance Policy:

  • An own damage cover that takes care of own damage costs in the event of a mishap for several possible circumstances.
  • No Claim Bonus is offered for every claim-free year. Moreover, the reward is cumulative in nature, i.e., it becomes higher with every consecutive year.
  • Own-damage covers offer add-on covers that can make a significant difference to the coverage of your insurance policy.

How To Purchase a National Standalone Own-Damage Policy?

Following are the steps you need to take to purchase a National Two-Wheeler Insurance Policy:

Step 1: Visit the InsuranceDekho website and select the two-wheeler insurance option from the home page.

Step 2: You can either enter your two-wheeler’s registration number or its make, model and year of registration in the given section.

Step 3: Provide your personal information,i.e., your name and phone number in the provided section. Once entered click on the ‘Submit and Get Quotes’ button.

Step 4: The quotes from all the different insurance providers of India will be visible on your screen. Simply select the one offered by National General Insurance and any add-on covers you would like to purchase with it.

Step 5: The National two-wheeler insurance policy document will be sent to your registered email ID after you make the payment for your selected policy.

Must Read Articles before buying National Bike Insurance

National Bike Insurance User Reviews

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What users are saying
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  • Dependable Claims Processing

    I believe in how reliable InsuranceDekho is when it comes to handling claims for my bike. I bought the National Insurance for my new scooter. They deal with my claims with transparency and professionalism. I am very happy with the services.

    P
    By Pawan Agarwal
    On: June 4, 2024
  • Excellent Service

    I just got my two-wheeler insurance from National Insurance via Insurance Dekho, and it was super smooth. Easy comparison, hassle-free process. Highly recommend it!

    S
    By Shivangi Sharma
    On: March 21, 2024
  • Chatbox feature

    I was having some queries in my mind regarding my National insurance bike insurance policy which I purchased for my Honda Activa Scooter. I decided to use the chatbox feature of insurancedekho.com, to get my question answered. And I was so happy to see that all of my queries were solved with a quick response my questions were answered within a few minutes

    B
    By Bahani Khanv
    On: February 10, 2023
  • Got claim settlement ratio det...

    I purchased a KTM RC 390 bike insurance policy with National insurance via InsuranceDekho's website as the website has all the information related to claim settlement ratios among different insurance companies. Information on the website about insurance companies is useful in making a decision.

    R
    By Rahat Kalra
    On: January 23, 2023
  • Got claim settlement ratio det...

    I purchased a KTM RC 390 bike insurance policy with National insurance via InsuranceDekho's website as the website has all the information related to claim settlement ratios among different insurance companies. Information on the website about insurance companies is useful in making a decision

    By Rahat Kalra
    On: January 19, 2023
  • Chatbox feature

    I was having some queries in my mind regarding my National insurance bike insurance policy which I purchased for my Honda Activa Scooter. I decided to use the chatbox feature of insurancedekho.com, to get my question answered. And I was so happy to see that all of my queries were solved with a quick response my questions were answered within a few minutes

    T
    By Tushar Singh
    On: January 18, 2023
  • Chatbox feature

    I was having some queries in my mind regarding my National insurance bike insurance policy which I purchased for my Honda Activa Scooter. I decided to use the chatbox feature of insurancedekho.com, to get my question answered. And I was so happy to see that all of my queries were solved with a quick response my questions were answered within a few minutes

    By Bahani Khan
    On: July 11, 2022
  • Got claim settlement ratio det...

    I purchased a KTM RC 390 bike insurance policy with National insurance via InsuranceDekho's website as the website has all the information related to claim settlement ratios among different insurance companies. Information on the website about insurance companies is useful in making a decision.-

    K
    By Kunal Kalra
    On: June 27, 2022
  • Chat box feature

    I was having some queries in my mind regarding my National insurance bike insurance policy which I purchased for my Honda Activa Scooter. I decided to use the chat box feature of insurancedekho.com, to get my question answered. And I was so happy to see that all of my queries were solved with a quick response my questions were answered within a few minutes

    B
    By Bahani Khan
    On: June 27, 2022
  • Chatbox feature

    I was having some queries in my mind regarding my National insurance bike insurance policy which I purchased for my Honda Activa Scooter. I decided to use the chat box feature of insurancedekho.com, to get my question answered. And I was so happy to see that all of my queries were solved with a quick response my questions were answered within a few minutes

    B
    By Bahani Khan
    On: June 8, 2022
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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.