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Two-Wheeler Insurance

Insure your vehicle with our paperless policy, lightning fast renewal and hassle-free claims.

Want to insure your new bike?

Save with our zero commission insurance

Vehicle Insurance

Vehicle insurance is a type of insurance that provides financial protection against physical damage and/or bodily injury resulting from traffic collisions, theft or other events involving your vehicle. It is mandatory in most countries and can help cover the costs associated with repairs or replacement of the insured vehicle, as well as any medical expenses or legal liabilities resulting from the incident.

Key Features of Protective Micro Insurance Two Wheeler insurance

Paperless Experience

There’s no need to fill out forms or submit documents to buy our two wheeler insurance online. This applies for bike insurance online renewal as well. Just share bike-related information and previous policy details to buy or renew two wheeler insurance.

Instant Claim Settlement

With our online bike insurance process, you receive instant claim settlement. Login to your NMIC account, answer a few questions, and upload the pictures showing bike damage. You will receive the claim settlement amount within a specified number of days.

Low Cost Plans

We eliminate the need for middlemen commissions and other operational costs through our digital infrastructure. It enables us to offer you low-cost two wheeler insurance plans with zero paperwork.

Why do you need Bike Insurance?

  1. Comply with Law
  2. Cover against any financial loss
  3. Protection against third party liabilities
  4. Cover against natural disasters, fire explosion, self ignition or lightning
  5. Coverage for bike theft, accident, riot/strikes or any external means
  6. Personal Accident Cover

Types of Two Wheeler insurance plans available

Third Party Bike Insurance Plan

Third-party Bike Insurance Policy is mandated by law in Nepal. It provides coverage against third-party liabilities. In other words, the policy provides financial protection if your vehicle damages another person’s vehicle/property or causes injury/death to a third party in an accident. But third-party insurance for bikes/scooters does not cover loss or damage to your two-wheeler.

Comprehensive Bike Insurance Plan

Comprehensive Bike Policy provides all the coverage offered by the Third-party Plan and also covers damages/losses incurred by your two-wheeler. This type of insurance for bikes covers events such as accidental damages, fire damages, natural disasters (floods, earthquakes, etc.), man-made calamities (riots) and theft of the insured bike.

Riders Medical Cover Plan

This might technically not qualify as a type of plan but it is an essential cover which falls under Comprehensive Bike Insurance Plan. While the insurance for bikes provides coverage against your vehicle, the PA cover offers financial protection against events such as disability/death due to an accident while riding your bike or scooter.

Third Party Bike Insurance vs. Comprehensive insurance

Coverage Third Party Plan Comprehensive Plan
Damage/Loss to your bike  No Yes
Theft of your two wheeler  No Yes
Damage to Third party vehicle/property  Yes Yes
Third party injury/death Yes Yes
No Claim Discount upto 50% Not applicable  Applicable 
Insured Declared Value (IDV) Customisation  No Yes
Riders Medical Cover Optional (Needs to be purchased separately) Included in Comprehensive Plan 
Cashless Claim  No Yes
Instant Claim Settlement (within 24 hours) No Yes for own damage 
Online Transaction  Yes Yes

Why Choose Protective for Bike Insunrace?

1. Comprehensive Coverage

We provide comprehensive coverage against a range of events, including accidents, thefts, natural disasters, and third-party liability. We offer flexible coverage options to ensure that you have the protection you need.

2. Quick and Hassle- free Claims

Incase of damage or loss to your bike, we have a streamlined process to help you. Our team will be there to assist you throughout the process and get your claim settled swiftly.

4. Benefits

Our team of experts is available round the clock to assist you with any queries or concerns. You can rely on us to provide prompt and efficient support whenever needed.

3. 24/7 Customer Service

As a policy holder, you can take advantage of various discounts and benefits that we offer, including non-claim bonuses, loyalty discounts, and more.

How to Claim your Protective Two Wheeler Insurance?

Raising a claim request is easy when you have an NMIC bike policy. No need to fill out any claim form and no wait time. Get online and file your bike insurance claim by following these simple steps. Step 1: Log in to your account via our website or mobile app. Step 2: Click on the “Claim” button on the Policy Card. Step 3: Answer the questions regarding vehicle damage and upload images of the damaged two-wheeler. Once done, click the “Submit” button to raise your claim.

Documents required for raising bike insurance claim

When you choose NMIC insurance for your bike, there is no physical paperwork involved while raising a two-wheeler insurance claim. Just upload soft copies of the following documents through our digital platform (website/app), depending upon the type of claim.
  • Driver License (DL)
  • Updated Blue Book Copy
  • Damaged Picture
  • Estimated bill
  • Bike’s Registration Certificate (RC)
  • Proof of identification of the policyholder
  • Bike Insurance Policy
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