Our analysis shows that two-wheeler risks are evolving rapidly
- Overall claims rose 15% in 2024–25, with volumes expected to grow another 10–12% in 2025–26.
- Mid-segment motorcycles (150–350cc) now account for the highest share of claims.
- EV two-wheelers show 18–20% higher claim frequency and 30–35% costlier repairs compared to petrol counterparts.
- Peak incidents occur during commuting hours (8–10 AM, 6–8 PM), underlining how daily traffic is the biggest risk factor.
- Increased awareness around insurance and simplified, customer-friendly claims processes are also driving higher filing rates.
“Our analysis shows that two-wheeler risks are evolving rapidly, with mid-segment motorcycles filing the highest number of claims and EVs emerging as a disproportionately high-cost segment. Most incidents occur during daily commuting, highlighting that accidents are not one-off events but part of everyday riding realities. In this context, opting for comprehensive insurance is critical — it ensures protection not only against accidents, but also theft, natural calamities, and rising repair costs, especially in newer vehicle categories like EVs. – Manas Kapoor, Head – Two-Wheeler Insurance, Policybazaar