🛵 Step 1: Why Do We Need Two-Wheeler Insurance?

• It’s the law – Every bike must have at least third-party insurance under the Motor Vehicles Act, 1988.

• It’s financial protection – Accidents, theft, or floods can cause big expenses. Insurance transfers these risks to the insurer.

• It’s peace of mind – Riders feel secure knowing they’re covered.

👉 As an agent, always start with this: “Insurance is not just a legal formality, it’s your financial safety net.”

📦 Step 2: Types of Two-Wheeler Insurance

1. Liability-Only (Act Policy)

   • Compulsory by law.

   • Covers:

     • Injury or death of a third party.

     • Property damage to a third party (limited to ₹7.5 lakh).

   • Does not cover the bike itself.

   • Best for: Price-sensitive customers who want just the legal requirement.
     

2. Comprehensive (Package Policy)

   • Includes all third-party benefits.

   • Also covers:

     • Damage to the insured bike (accident, fire, flood, theft).

     • Optional covers like PA for pillion riders.

   • Best for: Customers who value complete protection.
     

👉 Sales tip: Use liability cover as the “entry door,” but encourage upgrading to comprehensive by highlighting risks to their own vehicle.

➕ Step 3: Add-On Covers to Boost Protection

Customers can pay a little extra to get more benefits:

• Zero Depreciation Cover – Full claim without age-based deductions.

• Roadside Assistance – Towing, on-spot repair, emergency fuel.

• Engine Protection – Covers damage due to water or oil leakage.

• Return-to-Invoice – Get invoice value if the bike is stolen or totaled.

• PA for Pillion Rider – Extends accident cover to the passenger.

👉 Sales tip: Add-ons are your upselling opportunity. Show how small extra premiums = big protection.

❌ Step 4: What Insurance Does Not Cover

It’s equally important to know exclusions:

• Riding without a valid driving license.

• Damage outside India (policy limit is India only).

• War, nuclear risks, or illegal activities.

• Theft of accessories alone (covered only if the bike is also stolen).

👉 Sales tip: Be transparent. Customers trust agents who explain exclusions clearly.

🎯 Step 5: How to Sell Better as a Beginner

1. Educate, don’t just sell – Customers appreciate clarity.

2. Use real-life examples – “If your bike gets stolen tomorrow, can you afford a new one?”

3. Leverage affordability – Bike insurance is cheap compared to car insurance.

4. Promote renewals – Remind customers before expiry to retain NCB (No Claim Bonus).

5. Always cross-sell add-ons – They increase value for customers and commission for you.
   
   

✅ Quick Recap for Learners

• Every two-wheeler must have at least liability insurance.

• Comprehensive policies are better because they cover own damage.

• Add-ons give extra protection and make your sales pitch stronger.

• Be clear about exclusions to build trust.

• Use two-wheeler insurance as a gateway to build long-term customer relationships.
  

👉 In short: Selling two-wheeler insurance is the best starting point for new agents—it’s mandatory, affordable, and easy to explain. Master this, and you’ll gain confidence to sell bigger products like car and commercial vehicle insurance.