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Kshema Two-Wheeler Standalone Own Damage Policy

The Kshema Two-Wheeler Standalone Own Damage Policy provides extensive protection for your two-wheeler against damage due to accidents, fire, theft, natural calamities such as floods and earthquakes, and man-made events including riots or vandalism.

This policy ensures protection for the vehicle’s own damage and helps safeguard you from repair or replacement expenses.

  • Designed for two-wheeler owners seeking own damage protection
  • Covers a wide range of risks affecting your vehicle
  • Multiple add-on options to enhance protection
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Policy documents

Why Choose Kshema Two-Wheeler Standalone Own Damage Policy?

Own Damage Protection

Covers damage to your insured two-wheeler due to various unforeseen events .

Flexible Add-ons

Enhance your coverage with add-ons suited to your needs.

Offers Financial Support

Helps manage expenses arising from repair or replacement of your vehicle required due to the occurrence of the listed incidents.

Easy Purchase & Renewal

Conveniently buy or renew your policy as required.

Protect Your Two-wheeler Vehicle From

Accidents

Damage caused to your vehicle due to accidents.

Fire & Explosion

Loss or damage to the vehicle caused by fire or explosion.

Illustration showing theft related to insurance coverage
Theft

Coverage for loss due to theft of your insured two-wheeler.

Calamities

Protection against natural calamities such as floods and earthquakes, and man-made events like riots or vandalism.

Add-on covers you can choose from

Nil Depreciation Cover
Ensures claim settlement without deduction for depreciation on parts. 
Return to Invoice (RTI) Cover
Provides compensation equal to the invoice value if the vehicle is stolen or damaged beyond repair.
No Claim Bonus (NCB) Protection
Allows you to retain your No Claim Bonus even after making a claim.
Engine Protection Cover
Covers repair costs arising from engine damage. 
Roadside Assistance Cover
Provides roadside assistance in case of a breakdown, including support for mechanical or electrical issues, minor repairs where possible, and towing to the nearest garage.

* Claims under this add-on are limited to first two claims during policy period. 

Important Points to Note
  • This policy covers only own damage. Third-party cover is available under a separate policy.
  • IDV (Insured Declared Value) is treated as the sum insured for the vehicle.
  • Coverage applies only when the vehicle is used as per policy terms and conditions.
  • Damage caused due to war, nuclear perils, or war-like operations is not covered
  • Claims are subject to deductibles and depreciation as specified in the policy.
  • You may opt for the Zero Depreciation add-on for enhanced coverage.
  • Certain exclusions apply, including wear and tear, electrical and mechanical breakdown, illegal driving, etc.

Policy Documents

1. Prospectus
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2. Proposal Form
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3. Policy Wordings
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4. Customer Information Sheet
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