1. Third-Party Liability Coverage: Two-wheeler insurance typically includes mandatory third-party liability coverage, which protects the policyholder against legal liabilities arising from injuries or damages caused to third parties (other individuals or property) due to an accident involving the insured two-wheeler.

2. Own Damage Coverage: In addition to third-party liability coverage, two-wheeler insurance policies may offer optional own damage coverage. This coverage provides protection for damages to the insured two-wheeler due to accidents, theft, fire, natural disasters, or vandalism.

3. Comprehensive Coverage: Comprehensive two-wheeler insurance combines both third-party liability coverage and own damage coverage. It offers broader protection by covering damages to the insured two-wheeler as well as liabilities towards third parties.

4. Personal Accident Cover: Two-wheeler insurance policies often include personal accident cover, which provides compensation in case of accidental death or bodily injury to the policyholder while riding the insured two-wheeler.

5. No Claim Bonus (NCB): Two-wheeler insurance policies may offer a no claim bonus if no claims are made during the policy term. This bonus is a discount on the premium payable for the subsequent policy term and can accumulate over consecutive claim-free years.

6. Add-On Covers: Two-wheeler insurance policies may offer additional add-on covers that policyholders can opt for at an extra cost. These add-ons provide additional coverage for specific risks or enhance the scope of coverage. Examples of add-on covers include zero depreciation cover, roadside assistance, engine protection, or accessories cover.

7. Premium Calculation: The premium for two-wheeler insurance is calculated based on various factors, including the type of two-wheeler, age of the vehicle, engine capacity, geographical location, and the insured declared value (IDV) of the vehicle.

8. Mandatory Requirement: In many countries, including India, it is mandatory to have at least third-party liability coverage for two-wheelers to legally ride on public roads. Failure to have valid insurance can result in penalties or legal consequences.

When purchasing two-wheeler insurance, it’s important to carefully review the policy terms and conditions, understand the coverage, and consider the level of protection required based on your needs and the value of your two-wheeler. Comparing different insurance providers and their offerings can help find the most suitable coverage at a competitive premium.