Insurance

Two Wheeler - National Insurance

Two Wheeler insurance is subject to property & liability insurance in general. It covers you from any damages caused due to accidents, theft, loss or natural calamities.

Policy typeHealth insurance InsurerNational Insurance Company Limited Compulsory deductible₹100 for each and every claim under the own-damage section for a two-wheeler.

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✓ Manually checked 30 Aug 2026 · active

Two Wheeler National Insurance official Bank of Baroda banner

Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typeHealth insuranceView source

Manually classified from the insurer/product identity published on the official Bank of Baroda page.

Source: Two Wheeler - National Insurance
Page / section: Product title and current official product page
Accessed: 20 Aug 2026
Confidence: high

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InsurerNational Insurance Company LimitedView source

Manually classified from the insurer/product identity published on the official Bank of Baroda page.

Source: Two Wheeler - National Insurance
Page / section: Product title and current official product page
Accessed: 20 Aug 2026
Confidence: high

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Two-wheeler policy termsAvailable options include annual package, annual liability-only, 2/3-year package, 2/3-year liability-only, five-year liability-only and five-year package policies for new vehicles, plus bundled one-year own-damage with five-year liability for new vehicles purchased on or after 1 September 2018.Effective 1 Sept 2018View source

The official Highlights and Features sections publish annual, multi-year and bundled options.

Source: Two Wheeler - National Insurance
Page / section: Highlights / Features
Accessed: 23 Aug 2026
Confidence: high

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Two-wheeler coverageLiability-only cover provides unlimited third-party death/injury liability and third-party property damage up to ₹1 lakh for scooters/motorcycles. Package cover additionally protects the insured vehicle and accessories against fire, explosion, self-ignition, lightning, burglary, housebreaking and theft.View source

The official Coverage section publishes third-party and package-peril cover.

Source: Two Wheeler - National Insurance
Page / section: Coverage
Accessed: 23 Aug 2026
Confidence: high

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Two-wheeler depreciation scheduleDepreciation is 50% for rubber/nylon/plastic parts, tyres, tubes, batteries and airbags; 30% for fibre-glass components; nil for glass. Other parts use age bands from nil up to 6 months, 5% up to 1 year, 10% up to 2 years, 15% up to 3 years, 25% up to 4 years, 35% up to 5 years, 40% up to 10 years and 50% above 10 years.View source

The official depreciation table publishes material and vehicle-age percentages.

Source: Two Wheeler - National Insurance
Page / section: Coverage — Depreciation
Accessed: 23 Aug 2026
Confidence: high

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Policy term optionsThe official page lists annual package and liability-only policies, long-term 2-year/3-year package and liability-only policies, 5-year liability-only and package policies for qualifying new vehicles purchased on or after 1 September 2018, and a bundled policy with 1-year own-damage plus 5-year liability.View source

The page enumerates annual, 2/3-year and 5-year policy options and the 1-year own-damage plus 5-year liability bundled policy.

Source: Two Wheeler - National Insurance — official product page
Page / section: Highlights / Features
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Sum insured / IDV and liability limitsFor own-damage and total-loss claims, the vehicle's Insured's Declared Value (IDV) is the sum insured. Third-party bodily injury/death liability is the amount required by the Motor Vehicles Act; third-party property damage is ₹1,00,000 for scooters/motorcycles (the schedule also allows ₹6,000 where applicable). Owner-driver personal-accident cover is up to ₹1,00,000 for one policy period.Effective 27 Jan 2022View source

The wording defines as the sum insured, records ₹1 lakh owner-driver PA, and the schedule provides the scooter/motorcycle third-party property limit of ₹1 lakh. Constructive total loss is triggered when retrieval/repair exceeds 75% of .

Source: National Insurance Two Wheelers Package Policy
Page / section: Pages 3–5 — , third-party liability and Section III owner-driver PA; page 11 — schedule limits
Accessed: 29 Aug 2026
Confidence: high

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CoveragePackage cover includes loss or damage from fire, explosion, self-ignition, lightning, burglary/housebreaking/theft, riot and strike, malicious or terrorist acts, earthquake, flood and named storms, accidental external means, transit by road/rail/inland waterway/lift/elevator/air, and landslide or rockslide. It also includes third-party liability and owner-driver personal-accident compensation subject to the schedule.Effective 27 Jan 2022View source

The Section I lists the insured-vehicle perils; Sections II and III define third-party liability and owner-driver personal-accident cover.

Source: National Insurance Two Wheelers Package Policy
Page / section: Pages 1–2 — Section I; pages 4–5 — Sections II and III
Accessed: 29 Aug 2026
Confidence: high

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Compulsory deductible₹100 for each and every claim under the own-damage section for a two-wheeler.View source

The current product page states a ₹100 compulsory deductible for two-wheelers.

Source: Two Wheeler - National Insurance — official product page
Page / section: Coverage — Compulsory Deductibles
Accessed: 29 Aug 2026
Confidence: high

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No-claim bonusOwn-damage renewal NCB is 20% after one claim-free year, 25% after two, 35% after three, 45% after four and 50% after five or more consecutive claim-free years. Renewal must occur within 90 days of expiry to retain the bonus.Effective 27 Jan 2022View source

The policy schedule prints the 20/25/35/45/50% table and the 90-day renewal condition.

Source: National Insurance Two Wheelers Package Policy
Page / section: Page 11 — No Claim Bonus
Accessed: 29 Aug 2026
Confidence: high

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Key exclusionsExclusions include consequential loss, depreciation, wear and tear, mechanical/electrical breakdown, tyre/tube damage unless the vehicle is damaged at the same time (then liability is limited to 50% of replacement cost), accessory theft without simultaneous vehicle theft, driving under the influence, use outside the geographical area or stated limitations, contractual liability, nuclear risks and war-related events.Effective 27 Jan 2022View source

The states the listed own-damage exclusions and general exceptions, including the 50% tyre/tube limit where concurrent vehicle damage exists.

Source: National Insurance Two Wheelers Package Policy
Page / section: Pages 2 and 6 — Section I exclusions and General Exceptions
Accessed: 29 Aug 2026
Confidence: high

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Towing and repair limitsTowing/protection and removal to the nearest repairer and redelivery are covered up to ₹300 for any one accident. Without prior detailed estimate and consent, the insured may authorise repairs only where estimated repair/replacement cost does not exceed ₹150.Effective 27 Jan 2022View source

The policy wording specifies ₹300 maximum removal/redelivery cost and the ₹150 repair-authorisation threshold.

Source: National Insurance Two Wheelers Package Policy
Page / section: Page 2 — Section I towing and repair authorisation
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Eligibility and useThe vehicle must be registered to the insured owner for the owner-driver personal-accident cover. A driver must hold an effective driving licence; a learner licence is allowed when Rule 3 of the Central Motor Vehicles Rules, 1989 is satisfied. The policy schedule's geographical area is India and excludes hire/reward, carriage of goods (other than samples or personal luggage), racing, speed/reliability trials and motor-trade use.Effective 27 Jan 2022View source

The policy conditions require registered ownership/effective licence and the schedule sets India as the geographical area with specified excluded uses.

Source: National Insurance Two Wheelers Package Policy
Page / section: Pages 5 and 10–12 — owner-driver conditions, schedule and limitations as to use
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Geographic limitsPackage cover includes loss or damage from fire, explosion, self-ignition, lightning, burglary/housebreaking/theft, riot and strike, malicious or terrorist acts, earthquake, flood and named storms, accidental external means, transit by road/rail/inland waterway/lift/elevator/air, and landslide or rockslide. It also includes third-party liability and owner-driver personal-accident compensation subject to the schedule.View source

The manually reviewed product record states: “Package cover includes loss or damage from fire, explosion, self-ignition, lightning, burglary/housebreaking/theft, riot and strike, malicious or terrorist acts, earthquake, flood and named storms, accidental external means, transit by road/rail/inland waterway/lift/elevator/air, and landslide or rockslide. It also includes third-party liability and owner-driver personal-accident compensation subject to the schedule.”.

Source: Two Wheeler - National Insurance — official product page
Page / section: Published product metadata
Accessed: 15 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Package cover includes loss or damage from fire, explosion, self-ignition, lightning, burglary/housebreaking/theft, riot and strike, malicious or terrorist acts, earthquake, flood and named storms, accidental external means, transit by road/rail/inland waterway/lift/elevator/air, and landslide or rockslide. It also includes third-party liability and owner-driver personal-accident compensation subject to the schedule.

Eligibility

The vehicle must be registered to the insured owner for the owner-driver personal-accident cover. A driver must hold an effective driving licence
a learner licence is allowed when Rule 3 of the Central Motor Vehicles Rules, 1989 is satisfied. The policy schedule's geographical area is India and excludes hire/reward, carriage of goods (other than samples or personal luggage), racing, speed/reliability trials and motor-trade use.

Passing a listed condition does not mean the bank will approve an application.

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Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Yearly household income to replaceThe income your family may need to replace.₹ten lakh rupees₹1,00,000₹1,00,00,000Years of income neededHow long your family may need that replacement income. years1 years30 yearsLoans still to be paidHome loans and other debts the cover may need to clear.₹twenty lakh rupees₹0₹5,00,00,000Cover and savings already availableExisting life cover and money already set aside for the family.₹five lakh rupees₹0₹5,00,00,000

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees

Income your family may need₹1,00,00,000one crore rupees

Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TableTopic

Policy terms · Published valueAnnual; 2-year/3-year long-term; 5-year liability-only or package for qualifying new vehicles; 1-year own-damage + 5-year liability bundled

This value is copied from Two-wheeler policy terms, limits and . Check the table notes before relying on it.

Source: Two Wheeler - National Insurance and linked Two Wheelers Package Policy · Highlights; Coverage; pages 3–5 and 11 Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 8 rows · 2 columnsTwo-wheeler policy terms, limits and NCBPublished policy options and claim limits transcribed from the current product page and linked policy wording.View tableHide table

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Two-wheeler policy terms, limits and NCB
Topic	Published value
Policy terms	Annual; 2-year/3-year long-term; 5-year liability-only or package for qualifying new vehicles; 1-year own-damage + 5-year liability bundled
Own-damage sum insured	Vehicle ; constructive total loss when retrieval/repair exceeds 75% of
Third-party property	₹1,00,000 for scooters/motorcycles (schedule also allows ₹6,000 where applicable)
Owner-driver PA	Up to ₹1,00,000 per policy period
Compulsory deductible	₹100 per own-damage claim
Towing limit	Up to ₹300 per accident
	20%, 25%, 35%, 45%, 50% after 1, 2, 3, 4, 5+ claim-free years; renew within 90 days
Premium	Vehicle/ and selected cover dependent; no universal premium is printed on the reviewed page or policy template

The linked contains a policy schedule and premium-computation template; actual premium and are vehicle-specific and therefore not inferred.

Two Wheeler - National Insurance and linked Two Wheelers Package Policy · Highlights; Coverage; pages 3–5 and 11 · accessed 29 Aug 2026Open official source ↗

Table 2 · 7 rows · 2 columnsIDV depreciation scheduleAge-based depreciation used to fix IDV for total-loss/constructive-total-loss claims.View tableHide table

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IDV depreciation schedule
Vehicle age	Depreciation for
Up to 6 months	5%
Above 6 months to 1 year	15%
Above 1 year to 2 years	20%
Above 2 years to 3 years	30%
Above 3 years to 4 years	40%
Above 4 years to 5 years	50%
Over 5 years or obsolete model	By agreement between insurer and insured

This schedule applies to fixing for total-loss/constructive-total-loss claims; parts depreciation for partial losses is separately specified in the wording.

National Insurance Two Wheelers Package Policy · Page 3 — Schedule of depreciation for fixing · effective 27 Jan 2022 · accessed 29 Aug 2026Open official source ↗

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Two Wheeler - National Insurance

What the official sources publish

Benefits and features

Eligibility

Related official documents

Try the numbers

Life-cover needs estimate

Find the exact published value

Complete rates, limits and schedules

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Arogya Sanjeevani Policy - National

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