How do I avail myself of the IMT-8 Automobile Association Membership discount?

Submit your valid IRDAI-recognised automobile association card at policy inception or renewal to get a 5% discount on your damage premium (capped at ₹50).

Which anti-theft devices qualify for the IMT-10 discount, and how much can I save?

Install an ARAI-approved GPS tracker or immobiliser and submit the installation certificate to receive a 2.5% OD premium discount (up to ₹500).

Who is eligible for the IMT-12 Specially Designed/Modified Vehicles discount?

Two-wheelers modified for use by blind, disabled people, or mentally challenged persons (with RTA endorsement) qualify for a 50% OD premium discount.

When should I choose IMT-13 to use within the insured's own premises?

If your bike is used exclusively within private premises (e.g., farm, factory yard) to exclude public-road risk, opt for IMT—13. Insurers offer a 33⅓% tariff reduction on OD premiums.

What is the difference between IMT-22 and IMT-22A deductibles?

IMT-22 is a compulsory ₹50 deductible on every own damage claim; IMT-22A is an optional, voluntary deductible (₹2,500–₹15,000) that earns you up to 35% OD premium discount.

How do voluntary deductibles under IMT-22A affect my claim payout?

Your total deductible becomes ₹50 + the chosen IMT-22A amount. For example, a ₹5,000 voluntary deductible means you bear ₹5,050 per own damage claim but save 25% on OD premium.

Can I combine multiple Indian Motor Tariff endorsements on the same two-wheeler policy?

Yes—endorsements like IMT-1, IMT-8, IMT-10, IMT-12, IMT-13, IMT-22 and IMT-22A can opt together if you meet each declaration or proof requirement.

Will my premium be reduced if I install an anti-theft device mid-term?

Yes—providing the ARAI-approved device certificate mid-term triggers a pro-rata IMT-10 discount for the remaining policy period.

How do I ensure my Indian Motor Tariff endorsements are correctly reflected in my policy?

Always tick the chosen IMT boxes on the proposal/renewal form and attach the required proofs. Verify your policy schedule's "Endorsements" section for correct premiums and discounts.

Discover the Journey of Hiran Narayanan: From Founder to Content Writer at Bikeleague India

Hiran Narayanan

CTO & Founder at Bikeleague India

Hiran Narayanan is a front-end developer and an SEO specialist by profession in his own company, Squarebraket Innovations. At Bikeleague India, he is the CTO & Web developer, Motorcycle technical content writer, and SEO specialist with over 10+ years of experience in the field of motorcycling in India.