Why do you need motorcycle insurance? Even if you are a very experienced driver, you still need it, because it protects you from unexpected incidents on the roads. Imagine a situation where your two-wheeler had a collision with another vehicle? This will result in serious injury to yourself and fellow passengers. It can cause heavy damage to the vehicle. There can be severe injuries and damage to the other vehicles also. The medical and repair costs arising from this situation are difficult to manage by yourself. With motorcycle insurance you can make a claim on the policy and bring down expenses.

Why do you need insurance for bike or scooter?
The law deems it mandatory to have two wheeler insurance when you purchase a vehicle. It is a must because of the severity of today's roads traffic. The heavy traffic can result in so many accidents. The problem may not be a severe one, just resulting in small damage to the vehicle or slight injury, but still it is going to cost a lot. Medical costs are rising and even a small treatment can result in a big expense. With insurance, you can make a claim on the policy and pay for these expenses. In the event of a serious problem, it offers much needed financial support to help get through the difficult situation. A heavy collision with another vehicle or severe injury to fellow passengers will be a huge emotional and physical strain. Support in the form of a lump sum payment can bring down the financial burden of the problem.

Protection offered by two wheeler insurance
Basic two wheel insurance is not expensive, but offers a wide range of benefits. It will cover for damage to the vehicle, injury or personal accident to passengers or driver and third party liability. In all these situations it protects you from severe financial losses. If you opt for a policy with cashless coverage you can get it serviced in any of the garages that fall under the insurer's network without paying cash. Check for bumper to bumper insurance coverage because it covers all those parts of the vehicle not covered by the manufacturer's warranty. If any of these parts fail during the warranty period, this insurance coverage will help meet the expenses.

How to get two-wheeler insurance and pay premium?
The policy can be easily purchased online which saves time and effort. Just visit the insurance company's website and fill an online application form. The company will get back to you in a week's time with a policy number and documents. You can also make premium payments and file a claim online.