A Complete Guide to IFFCO Tokio Two-Wheeler Insurance in 2025

Owning a two-wheeler in India has always been one of the most convenient and affordable ways to commute. Whether you use a motorcycle or scooter for your daily travel or occasional road trips, it’s essential to protect your vehicle against unexpected damages, theft, or accidents. That’s where two-wheeler insurance plays a crucial role.

Among the many insurance providers in India, IFFCO Tokio Bike Insurance has built a strong reputation for offering reliable, customer-friendly, and value-driven two-wheeler insurance plans. In 2025, their offerings have evolved to meet the growing needs of Indian riders while keeping affordability and efficiency at the forefront.

This article serves as a comprehensive guide to IFFCO Tokio Two-Wheeler Insurance in 2025, explaining everything from policy types and features to claims and benefits.





What is IFFCO Tokio Two-Wheeler Insurance?

IFFCO Tokio Two-Wheeler Insurance is a policy designed to protect your motorcycle or scooter against unforeseen events such as accidents, natural disasters, theft, and legal liabilities. The company offers both mandatory third-party coverage and comprehensive policies that provide extensive protection for the vehicle and the rider.

IFFCO Tokio’s plans are tailored to suit a variety of customers—from daily commuters to long-distance bikers—ensuring peace of mind and financial security in all driving conditions.


Types of Two-Wheeler Insurance Plans Offered

1. Third-Party Liability Insurance

This is a mandatory requirement as per the Motor Vehicles Act. It provides coverage for:

  • Injuries or death of a third party
  • Damage to third-party property
  • Legal costs arising from third-party claims

While it meets legal requirements, it does not cover damage to your own vehicle.

2. Own-Damage Insurance (OD)

This is an optional cover that offers protection for:

  • Accidental damage to your two-wheeler
  • Theft or total loss
  • Damage caused by fire, floods, riots, and other natural/man-made disasters

This plan can be purchased along with third-party insurance for better protection.

3. Comprehensive Two-Wheeler Insurance

A combination of third-party and own-damage coverage, this is the most recommended plan for complete protection. It includes:

  • Personal accident cover for the rider
  • Theft and fire coverage
  • Natural calamities and man-made disaster protection
  • Customizable add-ons for extra coverage

Top Features of IFFCO Tokio Bike Insurance in 2025

✅ Digital Convenience

IFFCO Tokio has modernized its systems to allow 100% digital policy issuance and renewals. You can buy or renew policies online within minutes.

✅ Cashless Network Garages

With access to over 4,300+ network garages across India, IFFCO Tokio allows hassle-free cashless repairs, minimizing out-of-pocket expenses.

✅ 24x7 Customer Support

You can contact their support team anytime via phone, email, or live chat. Whether you’re facing a claim issue or need information about your policy, their representatives are ready to help.

✅ High Claim Settlement Ratio

IFFCO Tokio is known for its impressive claim settlement ratio, reflecting their commitment to quick and transparent claims processing.

✅ No Claim Bonus (NCB)

Riders with a clean record and no claims during the policy period are rewarded with a No Claim Bonus—a discount on the renewal premium, which increases with each claim-free year.


Add-On Covers You Can Choose in 2025

IFFCO Tokio provides a range of optional add-ons that you can include in your comprehensive policy for additional protection:

  1. Zero Depreciation Cover – Full claim without accounting for depreciation on bike parts.
  2. Roadside Assistance – Help in case of breakdowns, flat tires, or fuel emergencies.
  3. Engine Protection – Covers internal damage to the engine due to water ingression or oil leakage.
  4. Return to Invoice Cover – Reimburses the invoice value of the bike in case of total loss or theft.
  5. Consumables Cover – Covers nuts, bolts, lubricants, and other consumables required during repairs.
  6. Pillion Rider Cover – Personal accident coverage for the person riding with you.

These add-ons make the insurance more flexible and suited to individual needs.


How to Purchase or Renew IFFCO Tokio Bike Insurance Online

The company has made the insurance process seamless through its website and mobile app. Here's how you can buy or renew your policy:

🛒 Steps to Buy/Renew Online:

  1. Visit the IFFCO Tokio official website or app.
  2. Enter details like registration number, city, make, and model of the bike.
  3. Choose the type of plan—Third-party, Own-damage, or Comprehensive.
  4. Select add-ons based on your requirements.
  5. View the premium quote and make the payment online.
  6. Receive the digital policy via email or download directly.

No paperwork or agent visit is required—just a few clicks and your vehicle is insured.


How to File a Claim with IFFCO Tokio

📌 Steps to File a Claim:

  1. Inform IFFCO Tokio as soon as the incident happens by calling the customer care number or through the app.
  2. Document the incident by taking photographs of the damage.
  3. File an FIR in case of theft or major accidents.
  4. Take the vehicle to a network garage for cashless repair or choose reimbursement if preferred.
  5. Submit required documents:
  • Policy copy
  • Claim form
  • FIR copy (if applicable)
  • RC and driving license
  1. Track the claim status online or through the customer service team.

Benefits of Choosing IFFCO Tokio for Bike Insurance

Here’s why many customers trust IFFCO Tokio:

  • Long-standing reputation in the insurance sector
  • Wide coverage options suitable for all types of riders
  • Easy claim process with strong customer support
  • Transparent pricing with customizable premiums
  • Doorstep inspection facility for claims in certain areas

Whether you own a commuter bike or a premium sports bike, IFFCO Tokio’s insurance products are designed to give you comprehensive protection.


Tips to Save on Premiums

Want to reduce your insurance cost? Here’s how:

  • Maintain a clean driving record
  • Opt for higher voluntary deductibles
  • Renew policy before expiry to retain NCB
  • Install anti-theft devices for security and discounts
  • Only choose relevant add-ons instead of unnecessary extras

Conclusion

In 2025, IFFCO Tokio continues to lead the way in two-wheeler insurance with its customer-first approach, digital tools, and tailored protection plans. From simple third-party policies to feature-rich comprehensive plans, the company ensures riders of all types have access to the best protection.

Whether you're buying your first bike or renewing an old policy, IFFCO Tokio Bike Insurance offers the convenience, reliability, and peace of mind every rider deserves. With easy online access, a robust claim system, and flexible policy options, it’s no surprise that IFFCO Tokio is a preferred choice for thousands of Indian two-wheeler owners.

Comments

Post a Comment

Popular posts from this blog

Who Are the Best Insurance Brokers in India?

Image
Choosing the appropriate insurance broker is crucial in ensuring your future security and safeguarding your resources. There are many insurance brokerages available for you to choose from which makes it difficult to find one in India. So, this essay is written to show you some of the most popular varieties, thereby helping you to make a wise decision.  What Makes a Great Insurance Broker?  Before diving into the list of top insurance brokers in India , it’s important to understand what makes an insurance broker stand out. A great insurance broker    Offers a Wide Range of Services: From health and life insurance to motor and home insurance, a good broker should give a comprehensive portfolio of services.   Has Strong Assiduity Experience : Experience brings moxie. A broker with times of assiduity experience is more likely to understand your requirements and give acclimatized results.   Provides Excellent Client Support: Insurance can be complex....
Read more

Steps to Becoming a Successful Insurance Agent

Image
Want to become a successful insurance agent?  This career can be rewarding, but it takes effort and dedication.  Here are some easy steps to help you   become an Insurance agent   and do well in this job.  Whether you are new to the industry or looking to improve, these tips will guide you toward success. 1. Know What an Insurance Agent Does Insurance agents help people choose the right insurance policies, which can include life, health, car, and home insurance. They meet with clients, assess their needs, and recommend policies that provide the best coverage. Understanding your role is the first step in becoming successful. 2. Finish Your Education You need at least a high school diploma to start. Going to college and studying business or finance can also help. Higher education can give you an edge in understanding the market, financial products, and the needs of your clients. 3. Get Your Licenses To sell insurance, you need a license. This means you have to tak...
Read more

Steps to Get IRDAI Certification to Become an Insurance Agent

Image
 If you have ever thought about starting a career in insurance, becoming an insurance agent can be a rewarding choice. Not only can you help people secure their financial future, but you can also enjoy a flexible work schedule and the potential for good earnings. One of the first steps to get started is to obtain certification from the Insurance Regulatory and Development Authority of India (IRDAI). Here’s a simple guide on how to get your IRDAI certification and become an insurance agent . Follow these steps: Step 1: Understand the Role of an Insurance Agent Before you join, it’s important to know what an insurance agent does. Insurance agents help clients choose insurance policies that fit their needs. They explain different types of insurance, such as life, health, and auto insurance. By understanding the basics, you’ll be better prepared for the next steps.   Step 2: Meet the Eligibility Criteria To become an insurance agent, you need to meet certain eligibil...
Read more