Edelweiss Bike Insurance Review: Does Edelweiss Fit Your Budget?

Edelweiss Bike Insurance Review: Does Edelweiss Fit Your Budget?

Edelweiss's two wheeler plans are premium options that offer the best coverage in the market. It is best suited for individuals looking to maximize their coverage.

Good for

  • Riders seeking a lot of coverage options
  • Individuals looking for affordable plans
  • Customers seeking highly customisable plans

Bad for

  • Individuals interested in getting a separate third party plan
  • Individuals who only want an own damage plan

Editor's Rating


Edelweiss offers an affordable line of two-wheeler insurance plans that offer a great variety of add-ons. There are two comprehensive plans that are offered: Twin-Charged and Turbocharged. The Twin-Charged plan is 44% - 65% cheaper than the average plan. The Turbocharged plan is 37% - 52% cheaper than the average plan, making it slightly more expensive than the Twin-Charged plan, primarily due to the additional features that are included. On the other hand, the Supercharged plan—third party liabilities option—costs 8% - 28% more than the average third party coverage plan in the market, making it a less attractive option for people looking for cheap Third Party Only options.

Table of Contents

Summary of Edelweiss Motorcycle Insurance
The Twin-Charged and Turbo-Charged plans both cost below average, but the Twin-Charged is more competitive.
Edelweiss's Third Party Plan (Supercharged) costs above average compared to other Third Party plans
Edelweiss Incurred Claim Ratio: 115%

Edelweiss Turbocharged & Twin-Charged Plan Highlights

Edelweiss Turbocharged & Twin-Charged Two-Wheeler Insurance plans are Edelweiss's comprehensive plan options that provide an extensive array of benefits for competitive premiums. While there are some differences between the plans, both can be great options for the average bike owner who wants the ability to customise their two-wheeler plan. Edelweiss Turbocharged is the most premium plan out of the Edelweiss plans for the average bike owner. It offers rates that are 37% - 52% cheaper than the market average for comprehensive plans and includes 3 of 6 add-ons available in the base plan. On the other hand, the Twin-Charged is cheaper, costing 44% to 65% below average, mainly due to the fact that there are no add-ons included.

Both plans provide coverage for accidental damage to your bike, theft, third party liability and damage related to natural disasters. However, the differences between the plans come from the 3 add-ons that are included in the TurboCharged plan. These are Depreciation Protect, Consumables Expense Protect, and Pillion Rider Protection. These add-ons can be useful for consumers who want coverage for all of their bike's components. You may choose to keep them in your core policy or you can remove them if you don't find their benefits useful. Other add-ons that you can add range from Pillion Protect to Invoice Value Protect.

Though the base coverage is similar compared to other comprehensive plans, the above average selection of add-ons helps Edelweiss stand out to people who are looking to tailor coverage to their unique needs. Because the Twin-Charged plan doesn't include any add-ons, it can be a better alternative to the Turbocharged if you are not looking to add any add-ons or if you want to fully customise your plan.

Graph showing Average Premiums of Two-Wheeler Insurance

Edelweiss Supercharged Plan Highlights

The Supercharged plan is a third party liability plan that may not be the best option for riders on a budget. It is 8% - 28% more expensive than other third party liability plans offered on the market, so it won't be a good fit if you are looking for the cheapest Third Party Only coverage. However, what could make the Supercharged plan worth the cost is its inclusion of personal accident coverage, which is a rare feature among Third Party plans. Additionally, you'll receive the minimum legally allowed benefits that will cover you from the risks and expenses that arise from injuring another person or damaging their property and vehicle.

  • Personal Accident Cover
  • Death or bodily injury to the third party
  • Accidental death of the insured vehicle owner
  • Permanent Total Disability of the insured vehicle owner

Edelweiss Motorcycle Insurance Add-Ons

Edelweiss offers a great variety of add-ons for both customizable comprehensive plans that consumers can benefit from. These include Depreciation Protect, Invoice Value Protect, Pillion Protect, Consumable expenses Protect, Emergency Medical Expenses Protect, and Additional Third Party Property Damage Protect. If policyholders are interested in additional coverage and have the financial flexibility to buy add-ons, Edelweiss offers options that can provide coverage for a variety of concerns.

Depreciation ProtectThis will allow you to secure the value of the bike parts as the vehicle and the vehicle parts age over timeRs. 82
Pillion ProtectServes as accident coverage for another passenger in the vehicle of the policyholderRs. 10
Invoice Value ProtectIf the bike is stolen or totalled after an accident the insurer will pay the difference between your insured value and the invoice it would cost to purchase a new bike of the same modelRs. 55
Consumables Expenses ProtectThis coverage protects items like brake oil, grease and screws that are declared of no use for the vehicleRs. 90
Emergency Medical Expenses ProtectThis add-on will provide the insured individual compensation for hospital expenses that are related to an accident they have had while riding their vehicleRs. 100
Additional Third Property Damage ProtectAdditional coverage to mitigate risk for third party damagesRs. 13


Edelweiss has exclusions that would not allow the policyholder to receive the claim payout. These exclusions range from driving without a license to driving under the influence. All of the Edelweiss exclusions are listed below. Remember to always read the policy wording to make sure you know what you will be able to claim for.

General Policy Exclusions

  • Any wear-and-tear of the bike due to aging
  • If the two-wheeler is being used by another driver (not insured by Edelweiss)
  • Driving without a valid driving license
  • Loss or damage caused while riding under the influence of alcohol or any other intoxicating substance
  • Loss or damage due to depreciation of the bike's value
  • Loss or damage due to war or nuclear risks
  • Consequential loss - if the original damage causes subsequent damage / loss, only the original damage will be covered under the bike insurance.

Claims & Contact Information

To make a claim with Edelweiss we recommend that you call the number below as soon as you can after an accident. The responder will guide you through the step to file your claim. You can also email Edelweiss for any reason at [email protected] Claims are usually settled within 7 days.

Contact Information
Claims Assistance and Other Enquiries Toll-Free Number1800 12000
Claims InformationClaim webpage
Branch AddressMultiple locations

Edelweiss Two-Wheeler Insurance Features and Benefits

Edelweiss offers more features to its policyholders than many other insurers. To compare the features of Edelweiss and other competitors, take a look at our comprehensive guide to the best bike insurance in India.

Personal Accident Coverage100%100%100% (with PA add-on)
Damage Related to Fire100%100%N/A
Natural Disaster Cover100%100%N/A
Theft or Malicious Acts100%100%N/A
Third Party Liability100%100%100%
Third Party Damage100%100%100%
Sahmi Chowdhury

Sahmi is a Research Analyst specialising in credit cards in India. He previously worked in the financial services sector at Brown Brothers Harriman and True Capital Management.