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IndusInd General Standalone Own-Damage Two-Wheeler Insurance is designed to protect an insured bike or scooter against covered damage or loss, subject to the policy wording. Depending on the selected product and terms, covered events may include accidents, fire, theft and specified natural or man-made calamities. This policy is intended to be held alongside a valid third-party motor insurance policy; it does not replace the mandatory third-party cover. Premiums depend on vehicle details, insured declared value, location, claims history where applicable and selected optional covers. Check the current policy wording and quote to confirm the precise scope of protection.
Own-vehicle protection that can be paired with a separate third-party policy
Standalone own-damage insurance is relevant for riders who already maintain third-party insurance but want protection for their own vehicle. The policy can help with eligible repair or loss costs arising from covered events, but exclusions, deductibles, depreciation and claim conditions affect the final settlement. Confirm that the separate third-party policy remains valid throughout the own-damage policy period. Review the insured declared value, compulsory deductible, exclusions and any available add-ons before purchase. Do not assume every optional cover is available with every variant; use the insurer-issued quote and policy schedule to confirm.
IndusInd General
Key Insights
Founded
2000
IndusInd General was established 26 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
94.8% CSR, calculated as a 3-year average
IndusInd General settles 94.8% of all claims it receives.
Contact Details
1800-3009
Headquarters: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off. Western Express Highway, Goregaon (East), Mumbai – 400063, Maharashtra, India
Covers eligible damage to the insured two-wheeler caused by a covered accident.
Deductibles, exclusions and policy conditions apply.
Covers eligible vehicle damage caused by an insured fire-related event.
Refer to the policy wording for the exact scope.
Provides cover for eligible theft or total loss claims involving the insured vehicle.
Claim requirements and insured declared value rules apply.
Specified events may be covered where included in the applicable policy wording.
Check covered perils and exclusions before purchase.
Eligible claims are assessed according to policy terms, deductibles and applicable settlement conditions.
Settlement may vary by damage, parts and claim assessment.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
IndusInd General plans and claim process
It provides cover for eligible damage or loss to your own bike or scooter and is held alongside separate third-party insurance.
Eligible theft claims may be covered, subject to policy conditions, exclusions and claim documentation.
Yes. You must maintain valid third-party insurance separately for the vehicle.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official IndusInd General website before purchasing.
Official Website
indusindinsurance.com
Visit the official IndusInd General website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
No. Third-party liability is not covered by standalone own-damage insurance.
Premium depends on vehicle details, insured declared value, location and selected covers. Obtain a current insurer quote.
Not necessarily. Deductibles, depreciation, exclusions and claim conditions can affect the amount payable.