Archive · 19 Sep 2025
Policybazaar Study: Two-Wheeler Insurance Claims Trends
Policybazaar, an insurance platform, studied two-wheeler insurance claims in India.
They found claims are increasing, with a 15% rise in 2024-25 and a projected 10-12% increase next year.
Mid-segment bikes had the most claims.
Electric two-wheeler repairs cost more than petrol bikes.
Most claims happen during weekday commuting hours.
Accidents and natural events are the most common reasons for claims.
The study highlights the importance of comprehensive insurance.
Two-wheeler claims rose 15% in 2024-25.
Mid-segment motorcycles (150-350cc) contributed the most claims.
EV two-wheeler repairs are 30-35% costlier than petrol bikes.
Maharashtra, Delhi, and Uttar Pradesh account for 45% of claims.
Most incidents occur during morning and evening commute hours.
- Who
- Policybazaar
- What
- Released a study on two-wheeler insurance claims in India.
- When
- Study covers trends over three years; claims rose in 2024-25.
- Where
- India
- Why
- To reveal trends in volumes, vehicle types, geography, and timing of incidents.
- Claim Rise (2024-25)
- 15%
- Projected Rise (2025-26)
- 10-12%
- Mid-Segment Motorcycle Claims
- Largest contributor
- EV Repair Costlier
- 30-35%
- Top Claim Locations
- Maharashtra, Delhi, Uttar Pradesh
- Claim Types
- Accidents & Calamities (70-75%)