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Two Wheeler Third Party Insurance Online
Protect your bike or scooter with mandatory third party cover.
Compare available quotes and pay the insurer directly.
Multi-insurer options
100% digital journey
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Get your Two Wheeler TP quote
Select your vehicle type and enter registration number
Quick answer
Two wheeler third party insurance is the legally mandatory cover for every bike and scooter in India. The premium is fixed by IRDAI — ₹538 up to 75cc, ₹714 from 75cc to 150cc, ₹1,366 from 150cc to 350cc and ₹2,804 above 350cc — so it is identical at every insurer. Buy it online through TP-Sugam and receive the policy by email in minutes.
IRDAI third-party rates have been revised. Motor third-party premiums were last revised on 1 June 2022. Revised rates take effect from 1 September 2026. Check the current slab for your vehicle →
What does Two Wheeler Third Party Insurance cover?
Third party bodily injury
Legal liability for injury caused to a third party.
Third party death liability
Legal liability for death of a third party.
Third party property damage
Legal liability for damage to third-party property.
Statutory liability
Coverage as per applicable law, vehicle class and policy terms.
Two wheeler categories you can insure
Motorcycles
Geared bikes across all engine capacities.
Scooters
Gearless scooters and scooterettes.
Electric Two Wheelers
Electric scooters and e-bikes with the EV discount.
Mopeds & Others
Mopeds and other eligible two wheelers.
How TP-Sugam works
A simple 5-step journey
1
Enter bike number
Start with your registration number and provide required information.
2
Verify details
Confirm your vehicle details such as make, model and engine capacity.
3
Compare quotes
View available third party insurance quotes from multiple insurers.
4
Select insurer & pay
Choose your preferred option and pay directly to the insurer.
5
Get your policy
After successful payment, the policy is issued by the insurer.
Information you may need
Registration number
Your bike or scooter RC number.
Vehicle make & model
Manufacturer, model and variant.
Engine capacity
Determines your IRDAI premium slab.
Previous policy
Required when renewing a lapsed policy.
KYC information
Identity and address proof for the proposal.
Third Party vs Comprehensive (Two Wheeler)
| Coverage | Third Party | Comprehensive |
|---|---|---|
| Third-party bodily injury | ✓ | ✓ |
| Third-party death liability | ✓ | ✓ |
| Third-party property damage | ✓ | ✓ |
| Damage to your own vehicle | ✕ | ✓ |
| Theft of your vehicle | ✕ | ✓ |
| Fire damage | ✕ | ✓ |
| Natural calamities | ✕ | ✓ |
| Mandatory TP protection | ✓ | Included |
Worth protecting your own vehicle?
Third party insurance does not cover damage to your own vehicle. If your vehicle is new, financed or of high value, comprehensive cover protects both the third party and your own vehicle, and allows add-ons.
Other Asked Questions
Is two wheeler third party insurance mandatory?
Yes. Under the Motor Vehicles Act, 1988, every two wheeler plying on a public road must have at least a third party insurance policy. Riding without it can attract a fine of ₹2,000 to ₹4,000 and, in some cases, imprisonment of up to three months.
Does two wheeler third party insurance cover my own bike?
No. It covers injury, death and property damage caused to a third party. Damage to your own bike or scooter, its theft, or loss in a fire or flood is not covered — that requires a comprehensive or standalone own-damage policy.
How much is two wheeler third party insurance?
The IRDAI-fixed annual premium is ₹538 for up to 75cc, ₹714 for 75cc to 150cc, ₹1,366 for 150cc to 350cc and ₹2,804 above 350cc, plus 18% GST. The amount is the same at every insurer.
What is the 5-year rule for new two wheelers?
A new two wheeler must be covered by a five-year third party policy. The third party premium for the full five-year term is collected upfront, which is why the first payment is higher than an annual renewal.
Can I buy two wheeler third party insurance online?
Yes. Select Two Wheeler on TP-Sugam, enter your registration number, compare the available quotes from multiple insurers and pay the insurer directly. The policy is issued and emailed to you.
Is there a discount for electric two wheelers?
Yes. Electric vehicles receive a 15% discount on the IRDAI third party premium. The discount is applied automatically on eligible electric two wheelers.
Frequently Asked Questions
Is two wheeler third party insurance mandatory?
Yes. Under the Motor Vehicles Act, 1988, every two wheeler plying on a public road must have at least a third party insurance policy. Riding without it can attract a fine of ₹2,000 to ₹4,000 and, in some cases, imprisonment of up to three months.
Does two wheeler third party insurance cover my own bike?
No. It covers injury, death and property damage caused to a third party. Damage to your own bike or scooter, its theft, or loss in a fire or flood is not covered — that requires a comprehensive or standalone own-damage policy.
How much is two wheeler third party insurance?
The IRDAI-fixed annual premium is ₹538 for up to 75cc, ₹714 for 75cc to 150cc, ₹1,366 for 150cc to 350cc and ₹2,804 above 350cc, plus 18% GST. The amount is the same at every insurer.
What is the 5-year rule for new two wheelers?
A new two wheeler must be covered by a five-year third party policy. The third party premium for the full five-year term is collected upfront, which is why the first payment is higher than an annual renewal.
Can I buy two wheeler third party insurance online?
Yes. Select Two Wheeler on TP-Sugam, enter your registration number, compare the available quotes from multiple insurers and pay the insurer directly. The policy is issued and emailed to you.
Is there a discount for electric two wheelers?
Yes. Electric vehicles receive a 15% discount on the IRDAI third party premium. The discount is applied automatically on eligible electric two wheelers.
What happens if my two wheeler policy has lapsed?
A lapsed policy leaves you legally uninsured and open to penalties. Renew promptly — if the policy has been expired for a longer period, the insurer may require a physical inspection before issuing the renewal.
Can I transfer my two wheeler third party policy when I sell the bike?
Yes. A third party policy can be transferred to the new owner by applying to the insurer with the transfer of ownership documents and paying the prescribed fee.
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