National Insurance Two Wheeler Policy

National two wheeler insurance policy is celebrated among scooter and bike owners in India. Apart from National two wheeler insurance plans with one year validity, long-term National two wheeler insurance policies are also available and they continue to remain valid as long as the fitness of vehicle is considered as valid by RTA. Like all other types of motor insurance plans, National two wheeler insurance policies also offer both third party liability coverage and comprehensive coverage. The third party liability coverage is limited to only third parties on the road while the comprehensive coverage extends to the vehicle of the insured as well. Regardless of the coverage chosen, bike owners can buy National two wheeler insurance policy online using their credit cards, debit cards or by net banking. Vehicles which are used for the purposes like social, domestic and professional can be covered by a National two wheeler insurance policy. However, vehicles which are used professionally or for racing, pace making, speed testing cannot be covered by National two wheeler insurance policy.

Overview of National Insurance Two Wheeler Policy

The National two wheeler insurance policy by National Insurance provides property and liability coverage to the registered owner of the vehicle. Two wheeler insurance online policies by National Insurance Company Limited offer benefits like safety of the vehicle and freedom from liability

Objective of National Insurance Two Wheeler Insurance Policy

Mostly annual two wheeler insurance policy is issued by National Insurance Company Limited which is subject to online renewal every year. But, long term National two wheeler insurance policies are also available. National two wheeler insurance online plans in India offer 2 types of covers. One is the mandatory liability cover and the other one is comprehensive cover that offers financial protection against own damage of the vehicle with third party liability. Vehicle owners can buy any of these two types of National Insurance two wheeler insurance online policies as per their requirements. Existing policyholders can also renew their National two wheeler insurance plans using net banking or debit and credit cards.

Two wheeler insurance policy online by National Insurance Company Limited covers vehicles that are used for social, professional and domestic purpose of the insured or employees of the insured. However, National two wheeler insurance online policies in India don’t cover goods’ carriage and if the vehicles are used for hire or reward, pace making, racing, speed testing, reliability trial and for any purpose related to Motor Trade. 

Vehicle owners can opt for additional coverage when they buy two wheeler insurance policy online by National Insurance Company Limited for accessories loss, personal accident to the occupants, legal liability to paid driver and for increased coverage against legal liability to third party property damage up to a maximum l imit of Rs 7.5 lakhs.

Two wheeler insurance policy online by National Insurance Company Limited offers 2 types of coverage. The liability only cover is mandatory and it insures vehicle owners’ against legal liability in case of an accident involving their vehicles. This type of coverage of National two wheeler insurance online plans in India doesn’t cover damages to vehicles of the policyholders. Vehicle owners in India can buy the liability only cover of two wheeler insurance policy online by National Insurance Company Limited to enjoy the following benefits;

• ✔Coverage against injury or death of Third Party
• ✔Coverage against Third Party Property Damage up to Rs. 7.5 Lakhs

The Package cover is the comprehensive two wheeler Insurance policy by National Insurance Company Limited. This type of coverage by National two wheeler insurance plans online in India encompasses both third party liabilities and damages to insured’s own vehicles. Vehicle owners in India can buy the National insurance two wheeler policy that covers Insured vehicles if the damages are caused by any of the following means;

• ✔Two wheeler insurance policy by National Insurance Company Limited covers losses in accident by external Means such as fire, explosion, self ignition and lightning
• ✔Two wheeler insurance policy by National Insurance Company Limited covers damages by mad-made disasters like Burglary, Theft or House breaking, Terrorism, Strikes or Riots or similar Malicious Acts
• ✔Two wheeler insurance policy by National Insurance Company Limited covers damages by natural calamities like Earthquake, Flood, Storm, Landslide, Rockslide
• ✔National two wheeler insurance online policies in India covers losses in transit by Rail, Road, Air, Lift and Inland Waterway

Additional Features of National Insurance Two Wheeler policy insurance policy.

Vehicle owners in India can buy the Two wheeler insurance policy by National Insurance Company Limited to enjoy the following discounts

• ✔National Two wheeler insurance online policies in India provides No Claims bonus for every claims free year on renewal
• ✔The Two wheeler insurance policy by National Insurance Company Limited offers discount for choosing higher voluntary excess when policyholders renew their motor insurance online plans by National Insurance Company Limited
• ✔The Two wheeler insurance policy by National Insurance Company Limited offers discount for installing approved anti-theft devices in the vehicle.
• ✔National two wheeler insurance online plans in India provides concession for modified or specially designed vehicles for blind, mentally challenged and handicapped persons

The two wheeler insurance policy by National Insurance Company Limited doesn’t cover the following losses;

• ✔The two wheeler insurance policy by National Insurance Company Limited doesn’t offer coverage against wear and tear, electrical or mechanical breakdown, breakages or failures and Consequential loss
• ✔The two wheeler policy by National Insurance Company Limited doesn’t cover damages to tyres of the motor vehicle if the vehicle is not damaged at the same time
• ✔National two wheeler insurance online policies in India provides 50% of the cost of tyre replacement if the vehicle is not damaged at the same time
• ✔The two wheeler insurance policy by National Insurance Company Limited doesn’t cover damages due to accidents occurred while driving motor vehicles in India after being intoxicated by drugs or liquor

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