Comprehensive Bike Insurance Calculator

This guide shows you how to quickly estimate your comprehensive (bumper-to-bumper) bike insurance premium in India using an online calculator. Enter your bike’s details, choose any add-ons, and compare costs for different policies. The calculator includes all taxes, discounts, and extra coverages, helping you make an informed choice before you buy.

Comprehensive Bike Insurance Calculator

Looking to check the rates for comprehensive or bumper-to-bumper bike insurance for your motorcycle in India? This calculator is designed for you. We explain every term and how the calculator works so you’ll understand each step.

We use the latest data in this calculator. For the most accurate two-wheeler comprehensive bike insurance price in India, it’s best to contact the authorised motorcycle insurance team.

Now, let’s look at how this calculator works.

Explanation Of Terms And Logic For Calculation Of Comprehensive Bike Insurance & Bumper To Bumper Bike Insurance In India

1. Third-party (tp) Premium

Why it’s mandatory: It covers injury or damage you cause to other people or property. This is mandatory under the rules of the Government of India. See the table below for how third-party premium rates are calculated per IRDAI for 2025. The calculation is based on engine capacity (displacement), as shown in the table below. Use our Comprehensive Bike Insurance Calculator to estimate full premium costs.

For the latest third-party insurance regulations and premium guidelines, refer to the

IRDAI official website
.

2. Own-damage (od) Premium

What it covers: Repair or replacement if your bike is damaged, stolen, or lost.

Here’s how you can find out the Own Damage Premium for a two-wheeler in India.

Step 1: Find Idv (insured Declared Value)

IDV is your bike’s market value after depreciation. As your bike gets older, its value decreases. Check the table below for detailed rates.

Formula: IDV = Ex-Showroom × (1 – Depreciation ÷ 100)

Step 2: Find The Own-damage (od) Rate — Two Methods Explained

There are two ways to arrive at the OD rate used in this calculator. They are not interchangeable alternatives — one is the primary method, the other is a fallback benchmark. Here’s how they relate to each other:

1. Method 1 (Primary) — Insurer-Specific Rate: Used whenever you select an insurer in the form. Each insurer files its OD rate per ₹1,000 of IDV with IRDAI, based on its underwriting and risk assessment. This is the rate actually used to calculate your premium.
2. Method 2 (Fallback/Benchmark) — Zone & Age-Based % Rate: Used only if no insurer is selected yet. This reflects the IRDAI reference (tariff) rate — a standardized percentage of IDV based on city zone, vehicle age, and engine capacity — and gives you a ballpark figure before you’ve picked a specific insurer.

How the calculator uses these: If you select an insurer, the calculator uses Method 1 (see the insurer rate table below) and ignores the Zone A/B percentage. If you don’t select an insurer, it uses Method 2 (the Zone/Age % table) as a rough estimate. These two numbers may not match exactly. Insurer rates can be higher or lower than the IRDAI reference rate; a difference is normal, not a mistake.

Method 1: Insurer Rate Table (per ₹1,000 Of Idv)

Pick your insurer from the table below. This is the rate the calculator uses once an insurer is selected in the form.

Formula (Method 1): OD Premium = (IDV ÷ 1,000) × Insurer Rate

Method 2: Zone & Age-based Benchmark Rate (used Only When No Insurer Is Selected)

For rating purposes, the Insurance Regulatory and Development Authority of India (IRDAI) divides the country into two primary zones for motorised two-wheelers: Zone A and Zone B.

This zonal classification is based on the location of the vehicle’s registration office. It reflects differences in risk factors such as traffic density, theft rates, and accident likelihood in metropolitan cities versus other regions. Use this table only as a general benchmark — once you select an insurer above, this table is not used in your final premium calculation.

Zone A

It includes eight major metropolitan cities: Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi, and Pune.

Zone A Cities (illustrative Rto Examples — Not Exhaustive)

Important: Zone A classification is determined by the city/metro area of your vehicle’s registration, not by a fixed short list of RTO codes. Each metro listed below typically has many more RTO codes than shown here — the codes in this table are illustrative examples only, not the complete set.

How to check if you’re in Zone A: If your vehicle is registered in any RTO within Mumbai, Delhi (NCT), Kolkata, Chennai, Bengaluru, Hyderabad, Pune, or Ahmedabad — regardless of the specific RTO code — you fall under Zone A. Don’t rule yourself out just because your exact RTO code isn’t listed here; match by city, not by code.

Zone B

It includes all other cities and towns in India that are not listed under Zone A.

Formula (Method 2, benchmark only): OD Premium (estimate) = IDV × Zone/Age % Rate

2a. No-claim Bonus (ncb) Slab Table

No-Claim Bonus (NCB) is a discount on your Own-Damage premium for every claim-free policy year. It has no connection to Third-Party premium, IDV, or engine capacity — it depends purely on your continuous claim-free renewal history. IRDAI mandates the same NCB slab structure across all insurers, so this discount is identical no matter which company you buy your policy from.

This is the table the calculator’s “Auto NCB” checkbox uses to auto-fill your discount percentage based on the vehicle age you select:

Formula: Net OD Premium = OD Premium × (1 – NCB% ÷ 100)

How “Auto NCB” works: The form’s Vehicle Age field tracks your bike’s age, not your claim-free years. “Auto NCB” assumes you haven’t made any claims and matches the discount to the number of years your policy has been active (for example, a bike aged “2–3 years” will auto-fill 35%). If you’ve made an OD claim, your real NCB will be lower than this. In that case, untick “Auto NCB” and enter your correct NCB percentage from your policy document.

3. Comprehensive Premium

A Comprehensive policy premium is made up of the following parts:

Third Party (TP) premium + Own Damage (OD) premium + Addon covers (optional) + IMT (optional) + 18% GST

1. Addon Covers

Here is the list of all major addons, with their descriptions and rates, in a table as per the OD premium given below. Note: This table shows the real-world market range of charges charged by insurers for each add-on. The calculator itself uses a single simplified flat rate per addon (shown in the tooltip when you hover over each checkbox) rather than the full range, to keep the estimate straightforward — where the calculator’s flat rate differs from this range, it is called out under the relevant addon’s description above.

1. RTI (Return to Invoice) – If your bike is stolen or totally destroyed (beyond repair), a plain comprehensive policy pays you the “Insured Declared Value” (IDV), which is the current market value of your vehicle after depreciation. With RTI, the insurer pays you the full invoice value (factory invoice, registration, and RTO charges) instead of the depreciated IDV. Note on rate used: Real-world insurer pricing for RTI typically ranges from 10%–15% of OD premium (see table below), varying by insurer and bike age. This calculator uses a simplified flat rate of 10% of OD premium for the RTI checkbox, which reflects the lower end of that market range — so your actual quote from an insurer may come in slightly higher if they price closer to 15%.
2. Bumper to Bumper / Nil or Zero Depreciation (B2B) – By default, when you file a claim for repairing accident damage, the insurer deducts a percentage for parts’ depreciation (plastic/fibre parts often 100% depreciated in 1st year, metal parts 50%, etc.). A Nil Dep addon waives that deduction—you’re reimbursed the full cost of replaced parts (subject to policy terms). Note: Ticking the Zero Depreciation checkbox in the form only affects the Comprehensive column — the Bumper-to-Bumper column already includes this cover by default, so it is never charged twice in that column.
3. Engine Protection – Protects you against internal engine damage caused by water ingression (e.g., riding through floods, waterlogged roads), leakage of lubricating oil, corrosion, or other covered perils that are not due to an accident. Most comprehensive policies exclude damage caused by water entering the engine.
4. NCB Protect – Normally, if you make any own damage claim in a policy year, your No-Claim Bonus resets to 0% at your next renewal, and you restart from the bottom of the NCB Slab Table above (i.e., back to the “0 claim-free years” row, even if you’d built up to 50%). NCB Protect changes this: it lets you retain your current NCB slab at renewal despite making one (or occasionally more, depending on the insurer’s policy terms) claim during the year — you don’t drop back down the table. It freezes your existing slab rather than adding to it; it does not advance you to a higher slab or grant any discount beyond what you’d already earned. Most insurers cap this protection at 1–2 claims per policy year and require that it be purchased before the claim is made — it cannot be added retroactively after a claim has already been filed.
5. PA Cover (Owner) – The Motor Vehicles Act mandates at least ₹15 L personal accident cover for the owner-driver, and this is included in every quote at no extra cost. Use the “PA Cover (Owner) Limit” dropdown in the form above to upgrade to a higher sum insured: ₹25 L or ₹50 L. Higher limits carry an optional extra premium (flat ₹250 for ₹25 L, or ₹400 for ₹50 L, in this calculator’s simplified model) and give a larger payout in case of death or permanent disability — the coverage terms themselves don’t change, only the payout ceiling.
6. PA Cover(Pillion) – Personal Accident cover specifically for the pillion rider (i.e., passenger). The basic policy typically covers only the owner‐rider; pillion riders are not automatically covered under the standard PA to the owner. This addon extends PA protection to anyone riding as a pillion.
7. Roadside Assistance – 24×7 assistance if your bike breaks down or is immobilised on the road due to mechanical issues, flat tyre, battery problems, running out of fuel, key locking in the vehicle, minor roadside repairs, etc.

2. Indian Motor Tariff (imt)

In the context of motor insurance in India, IMT stands for the Indian Motor Tariff. It is a set of guidelines from the Insurance Regulatory and Development Authority of India (IRDAI) that regulates the pricing and coverage of motor insurance policies, including two-wheelers. The IMT specifies endorsements, coverage options, and conditions for insurers to follow when offering motor insurance.

1. Imt-1: Extended Geographical Area Coverage

IMT-1 allows the insured two-wheeler to be legally used in neighbouring countries with insurance cover extended to:

1. Bangladesh
2. Bhutan
3. Nepal
4. Pakistan
5. Sri Lanka
6. Maldives

The regular comprehensive (own-damage and third-party) or third-party-only cover remains valid in these countries during the policy period.

2. Imt-8: Automobile Association Members

This endorsement provides a discount on the own-damage portion of the premium for two-wheeler owners who are members of a recognised automobile association, such as:

Recognized Associations

Membership in any one association below qualifies for IMT-8; multiple enrollments do not stack:

1. Automobile Association of Eastern India (AAEI)
2. Uttar Pradesh Automobile Association (UPAA)
3. Western India Automobile Association (WIAA)
4. Automobile Association of Southern India (AASI)
5. Automobile Association of Upper India (AAUI)

3. Imt-10: Anti-theft Device

Under IMT-10, if you install an ARAI-approved anti-theft device (like a GPS tracker or alarm) on your motorcycle or scooter and get it certified by a recognised automobile association, you become eligible for a tariff discount on the policy. The insurance policy will be endorsed to note that your vehicle has this device.

This endorsement does not change your coverage; it acknowledges the device and gives you a premium break. (It’s not applicable to motor-trade policies where the vehicle is under repair or being sold.)

4. Imt-12: Disabled Vehicle

IMT-12 applies when the insured two-wheeler is specifically built or modified for blind, disabled people, or mentally challenged persons. In India, the regional transport office officially endorses such vehicles in the vehicle’s registration book.

If your bike or scooter has this special status, the insurer adds IMT-12 to the policy. This endorsement recognises the vehicle’s exceptional design and grants you a significant discount. Again, IMT-12 does not add extra coverage beyond regular policy terms; it merely lowers the premium.

5. Imt-13: Use Limited To Own Premises

The policy covers loss or damage only if the vehicle is used on the insured’s own premises (private property not open to the public). Use outside the premises is excluded. (An exception is made if the vehicle is used to fight a fire—such use is still covered.) “Own premises” are defined as those to which the public has no general access.

In practice, the insurer pays only for accidents or theft on the owner’s property; any incident on public roads or elsewhere is not covered.

6. Imt-22 Vs Imt-22a: Don’t Confuse These Two

These are two separate, unrelated endorsements that happen to share a similar number. Despite the naming, one is compulsory, and the other is optional — they are not variants of each other.

Imt-22: Compulsory Deductible (mandatory — Not In This Calculator)

Under IMT-22, the insured must pay a fixed portion of every Own Damage claim. IRDAI has fixed the compulsory deductible for two-wheelers at ₹50. In every claim (even total loss), the insured bears the first ₹50 of damage; the insurer pays the remainder (subject to the policy limit).

IMT-22 is mandatory per IRDAI rules for all two-wheeler comprehensive policies — every policyholder has it automatically, with no way to opt out and no impact on premium. Because it’s compulsory and non-optional, it has no checkbox or input field in this calculator — there’s nothing to select or price, since every policy already includes it by default. It does not affect liability (third-party) coverage.

Imt-22a: Voluntary Deductible (optional — This Is What The Calculator’s Dropdown Refers To)

IMT-22A is a completely different, optional endorsement. Here, you voluntarily agree to pay a higher deductible than the compulsory ₹50 (choosing ₹2,500 / ₹5,000 / ₹7,500 / ₹15,000) on top of it, in exchange for a discount on your OD premium. The more you’re willing to pay out of pocket per claim, the bigger the discount.

This is the “Deductible Amount” dropdown in the form above — every time you see “IMT-22A” or “Deductible” referenced in this calculator, it refers to this voluntary discount option, never to the compulsory ₹50 IMT-22.

7. Imt-24: Electrical/electronic Fittings Cover

IMT 24 is an optional add-on that covers loss or damage to electrical/electronic accessories fitted to the bike (but not included in the manufacturer’s listed price). Examples include aftermarket items such as GPS units, sound systems, fog lamps, and charging ports.

The endorsement states that the insurer will indemnify the insured for any loss/damage to the specified electronic/electrical fittings (named in the policy schedule) caused by any insured perils (accident, fire, theft, etc.).

Note: Damage from mechanical failure or breakdown of the fittings is expressly excluded.

8. Imt-33: Loss Of Accessories Cover

This endorsement (IMT‐33) covers loss or damage to declared accessories (electrical or non-electrical) caused only by theft, burglary or housebreaking – provided the vehicle is not stolen in the same event.

It must be purchased specifically (payment of an additional premium). The insured must declare all covered accessories; then the loss/theft of those items is indemnified.

For more indepth details about IMT, visit this link from our team Indian Motor Tariff (IMT) for Two-Wheelers in India

Faq Related To Comprehensive & Bumper To Bumper Bike Insurance Calculator In India

1. What Is The Purpose Of This Calculator?

It instantly estimates your Comprehensive and Bumper-to-Bumper bike insurance premiums by combining mandatory TP/OD charges with optional add-ons, tax, and discounts so you can compare costs before you buy.

2. I’m New To Bike Insurance—what Inputs Do I Need?

Enter your bike’s ex-showroom price, pick its age bracket and engine capacity (cc), select your city zone (metro vs. non-metro) and insurer, then input your No-Claim Bonus (or hit “Auto NCB”). All other cover options are optional add-ons.

3. How Accurate Are The Depreciation And Idv Calculations?

We use IRDAI’s standard depreciation slabs (5–50% based on age) to derive your Insured Declared Value (IDV). Insurers use that, so your quotes will closely match real policy prices.

4. What’s The Difference Between Comprehensive And Bumper-to-bumper Quotes?

1. Comprehensive – covers TP + OD + whatever add-ons/IMTs you’ve ticked + GST. Zero Depreciation is included here only if you’ve ticked the zd checkbox.
2. Bumper-to-bumper – includes everything in Comprehensive, plus Zero Depreciation automatically — even if you haven’t ticked the zd checkbox. It won’t be charged twice if you have ticked it; the calculator simply recognises it’s already built into this column.

In short: tick zd only if you want Zero Dep reflected in your Comprehensive price too. It never results in double-charging in the Bumper-to-Bumper column either way.

5. Which Add-on Covers Should I Consider?

1. Zero Depreciation: No deduction on parts.
2. Engine Protection: 5% of OD value.
3. Return to Invoice: 10% of OD value (includes manufacturer accessories).
4. Roadside Assistance, PA Cover (Pillion): Flat ₹100 each.
5. NCB Protect: Safeguards 5% of your OD premium.

Choose the options that match your budget and how much risk you’re comfortable with.

6. How Does “auto Ncb” Work For Someone Without Claims?

If you check “Auto NCB,” the tool auto-fills your No-Claim Bonus percentage based on your bike’s age, using the standard IRDAI slab: 0% (new), 20% (1 yr), 25% (2 yrs), 35% (3 yrs), 45% (4 yrs), 50% (5+ yrs) — see the NCB Slab Table above for the full breakdown and formula. However, you can still tweak it manually if you’ve ever made a claim, since that resets your NCB to 0% (unless you’ve purchased NCB Protect).

7. I’m On A Tight Budget—what Small Tweaks Can Lower My Premium?

1. Opt for a higher voluntary deductible (IMT-22A) to cut OD costs.
2. Skip higher-cost add-ons (e.g., Return to Invoice) or pick only ₹100-flat options.
3. Compare insurers: rates per ₹1,000 IDV vary by company.

8. I Maintain My Own Accessories—can I Insure Them?

Yes: tick IMT-24 or IMT-33 and enter your electrical/non-electrical accessory cost. The calculator adds 4% or 3% of that amount, respectively.

9. How Is Gst Handled?

We apply an 18% tax on the subtotal of TP, net OD, all add-ons, and endorsements. For Bumper-to-Bumper, GST also covers the Zero Depreciation charge built into that column by default. Likewise, if you tick the Zero Depreciation (zd) checkbox to include it in your Comprehensive quote, GST is applied to that added cost there too — GST always applies to whatever add-ons end up in each column’s subtotal, regardless of which column it’s in.

10. Can I Experiment With Multiple Scenarios?

Absolutely—hit Reset to clear and start fresh. Mix different insurers, zones, NCB values, and add-on combinations to see how each choice impacts your final premium.

Other Related Links From Bikeleague India

1. Indian Motor Tariff (IMT) for Two-Wheelers in India
2. Two wheeler insurance in India – How to buy and select
3. Calculators converters for bikes In India
4. Electric scooter vs Petrol scooter – Which is best
5. Bike On-road price calculator
6. Bike IDV Calculator