Insurance

General Two Wheeler Insurance

General motor insurance for private two-wheelers with third-party and own-damage choices subject to policy selection.

Policy typeTwo-wheeler motor insurance Key coverageThird-party liability and own-damage/comprehensive options, with add-ons and exclusions controlled by the selected policy No-claim bonusUp to 50%

Official product page ↗Compare category

✓ Manually checked 5 Oct 2026 · active

SBI General Two Wheeler Insurance official banner

Offered byState Bank of India

India, subject to vehicle and policy 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 typeTwo-wheeler motor insuranceView source

General publishes a dedicated two-wheeler insurance product and online renewal journey.

Source: General Two Wheeler Insurance
Page / section: Product overview
Accessed: 23 Aug 2026
Confidence: high

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Key coverageThird-party liability and own-damage/comprehensive options, with add-ons and exclusions controlled by the selected policyView source

The official page describes two-wheeler motor cover and directs customers to the policy wording for exact benefits and exclusions.

Source: General Two Wheeler Insurance
Page / section: Coverage and policy options
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Starting premium₹538+* in the page title; ₹868 in the Key Features table. SBI General does not reconcile the two starting figures on the reviewed page; the final premium depends on vehicle, RTO and selected cover.View source

The official page title advertises a starting premium of ₹538+*, but its Key Features table says starts at ₹868. The disclaimer says lower premiums apply only to select RTOs and specific vehicle makes/models and offers vary by location and availability; the reviewed page does not explain the mismatch.

Source: General Two Wheeler Insurance — current official product page
Page / section: Page title metadata; lines 67–70 — Key Features table; lines 394–396 — premium factors; lines 408–414 — disclaimer
Accessed: 5 Oct 2026
Confidence: high

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No-claim bonusUp to 50%View source

The key-features table states no-claim bonus up to 50%.

Source: General Two Wheeler Insurance — official product page
Page / section: Key Features table
Accessed: 29 Aug 2026
Confidence: high

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Personal accident cover₹15 lakh for individual ownersView source

The official key-features table publishes ₹15 lakh personal accident cover for individual owners.

Source: General Two Wheeler Insurance
Page / section: Key features table
Accessed: 23 Aug 2026
Confidence: high

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Cashless garages8,700+ network garagesView source

The current page hero states 8,700+ network garages. The Key Features table separately says over 7,000, a less precise lower bound. This supersedes the stale 9,277 count in the prior product record.

Source: General Two Wheeler Insurance — current official product page
Page / section: Lines 43–47 — hero statistic; lines 67–70 — Key Features table
Accessed: 5 Oct 2026
Confidence: high

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InsurerSBI General Insurance Company LimitedView source

General's official catalogue groups these products under Health, Motor and Other Insurance and identifies General as the insurer.

Source: General products
Page / section: General Products catalogue
Accessed: 23 Aug 2026
Confidence: high

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Key exclusionsMechanical/electrical breakdown; alcohol or drug-impaired riding; normal wear and tear; inactive policy; unlawful activity such as racing; incidents outside the geographic boundaries; war; minor or unlicensed rider; insured-person injury/death while riding; and riding without a helmet. The policy wording controls the complete list.View source

The official page lists these exclusions as indicative and directs customers to the policy document for complete terms.

Source: General Two Wheeler Insurance — official product page
Page / section: What's Not Covered Under Bike Insurance?
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Premium factorsThe premium depends on the vehicle's geographical location, make and model, engine capacity, year of manufacture and voluntary deductible; the ₹868 starting price applies only to select RTOs and specific vehicle makes/models.View source

The page states that premiums vary with location, model, engine, year and voluntary deductible, and qualifies its ₹868 starting premium by RTO and vehicle selection.

Source: General Two-Wheeler Insurance
Page / section: Features, premium and disclaimer
Accessed: 26 Aug 2026
Confidence: high

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Retail UINIRDAN144RP0006V02201112View source

The current General product list identifies Two Wheeler Insurance Policy - Package with retail IRDAN144RP0006V02201112.

Source: General updated product list and details
Page / section: Page 1 — Two Wheeler Insurance Policy - Package
Accessed: 29 Aug 2026
Confidence: high

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Sum insured / coverPersonal accident cover of ₹15 lakh for individual owners; third-party liability covers injury/death to third parties and damage to third-party property; own-damage cover includes fire, explosion, accidental damage, natural calamities, theft, riots, strikes and malicious activityView source

General publishes ₹15 lakh personal accident cover and describes the third-party and own-damage cover components.

Source: General Two Wheeler Insurance — official product page
Page / section: Key Features table; Base Covers and Add-ons
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Policy termThe issued policy schedule sets the commencement and expiry dates. SBI General offers third-party liability-only, package/comprehensive and bundled options; the wording expressly covers policies with a term up to one year and policies with a term longer than one year, so the selected duration is shown on the schedule rather than fixed universally on the product page.View source

The wording defines Policy Period as the dates in the Policy Schedule and separately describes refund treatment for a term up to one year and for a term more than one year. The product page identifies third-party, comprehensive and bundled plan types.

Source: Two Wheeler Insurance Policy-Package — General policy wording
Page / section: Page 1 — Policy Period definition; Page 3 — cancellation/refund rules for terms up to one year and over one year
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Waiting periodNo general waiting period is stated for the base two-wheeler package cover. Cover applies during the policy period shown in the schedule; individual add-ons can have their own conditions, such as a 15-day exclusion for certain tyre/rim damage cover and a maximum of two replacements in one annual period.View source

The complete wording contains no general base-policy waiting-period clause. It does state that tyre/rim cover excludes damage within the first 15 days of inception and limits the cover to two replacements in one annual period.

Source: Two Wheeler Insurance Policy-Package — General policy wording
Page / section: Pages 11–12 — tyre/rim add-on waiting/exclusion and annual-period condition; Pages 1–3 — base policy period and exclusions
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Add-onsRoadside assistance, zero depreciation, consumables cover and return-to-invoice cover are described as available add-ons; exact availability and pricing depend on the selected quoteView source

The page explains these add-ons and states that customers can choose add-ons with comprehensive cover.

Source: General Two Wheeler Insurance — official product page
Page / section: Base Covers and Add-ons
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Claim documentsClaim form, policy number/contact details, original registration certificate, make/model/registration number, policy documents, policyholder name, previous insurance details if applicable, incident time/date and description, police FIR for theft or third-party incidents, and claimant detailsView source

The page lists the documents required for a bike-insurance claim.

Source: General Two Wheeler Insurance — official product page
Page / section: Essential Documents for Filing a Bike Insurance Claim
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Available add-onsRoadside assistance, zero depreciation, consumables, return to invoice and other optional covers are available subject to selection, additional premium and the applicable wording.View source

The page explains roadside assistance, zero depreciation, consumables and return-to-invoice add-ons and says coverage depends on the chosen policy.

Source: Bike Insurance Policy Online — General official product page
Page / section: Base Covers And Add-Ons With Explanation
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Geographic limitsThird-party liability and own-damage/comprehensive options, with add-ons and exclusions controlled by the selected policyView source

The manually reviewed product record states: “Third-party liability and own-damage/comprehensive options, with add-ons and exclusions controlled by the selected policy”.

Source: General Two Wheeler Insurance — official product page
Page / section: Published product metadata
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Third-party cover option
Own-damage option
Online buy and renew

Eligibility

Two-wheelers registered and used in India

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

Documents the bank lists

Claim form
Policy number and contact details
Original registration certificate
Make, model and registration number
Policy documents and policyholder name
Previous insurance details, where applicable
Incident time, date and description
Police for theft or third-party incidents, where applicable
Claimant details

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

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.

Use the published table

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.

TableFeature

Starting premium · Published value₹538+* in page title; ₹868 in Key Features table (unreconciled)

This value is copied from General Two Wheeler Insurance — published feature summary. Check the table notes before relying on it.

Source: General Two Wheeler Insurance — current official product page · Page title metadata; lines 43–47 and 67–77; disclaimer lines 408–414 Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 6 rows · 2 columnsSBI General Two Wheeler Insurance — published feature summaryCurrent values transcribed from the official product page; conflicting starting-premium figures are shown without selecting one.View tableHide table

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SBI General Two Wheeler Insurance — published feature summary
Feature	Published value
Starting premium	₹538+* in page title; ₹868 in Key Features table (unreconciled)
Cashless garages	8,700+ in page hero; feature table says over 7,000
No-claim bonus	Up to 50%
Personal accident cover	₹15 lakh for individual owners
Third-party cover	Injury/death of third parties and third-party property damage
Own-damage cover	Fire, explosion, accidental damage, natural calamities, theft, riots, strikes and malicious activity

The page says lower premiums apply only to select RTOs and specific vehicle makes/models; offers may vary by location and availability.
Exact cover, exclusions, deductibles and add-on availability are governed by the selected policy and quote.

General Two Wheeler Insurance — current official product page · Page title metadata; lines 43–47 and 67–77; disclaimer lines 408–414 · accessed 5 Oct 2026Open official source ↗

Table 2 · 10 rows · 2 columnsSBI General Two Wheeler — published terms and featuresCurrent product-page figures with previously reviewed policy-wording conditions retained and their source scope identified.View tableHide table

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SBI General Two Wheeler — published terms and features
Topic	Published detail
Policy types	Third-party liability-only, package/comprehensive and bundled options
Policy period	Dates are stated in the issued schedule; wording covers terms up to one year and terms longer than one year
Starting premium	₹538+* in page title; ₹868 in Key Features table (unreconciled)
No-claim bonus	Up to 50%
Personal accident cover	₹15 lakh for individual owners
Network garages	8,700+ in page hero; feature table says over 7,000
Base waiting period	No general waiting period stated in the reviewed base wording
Tyre/rim add-on condition	No cover for damage within first 15 days; maximum two replacements in one annual period
Claims inspection	Inspection within 24 hours on a working day, or next working day for Sunday/public-holiday reports
Mandatory documents	Claim form, policy number, RC, vehicle details, policy copy and incident/supporting documents as applicable

Page-derived rows were refreshed from the complete product page reviewed 2026-10-05. Policy-period and tyre/rim rows remain from the previously reviewed policy wording ( pages 1–3 and 11–12; reviewed 2026-08-29).
The schedule controls the selected cover, dates, premium and limits. Add-ons require selection and their own terms.
The official page does not reconcile its ₹538+* title figure with the ₹868 Key Features figure.

General Two Wheeler — current product page and previously reviewed policy wording · Current page title, lines 43–47, 67–77 and 408–414; linked policy wording pages 1–3 and 11–12 reviewed 2026-08-29 · accessed 5 Oct 2026Open official source ↗

General Two Wheeler Insurance

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Life-cover needs estimate

Find the exact published value

Complete rates, limits and schedules

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