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When the two wheeler gets stolen, the losses are provided for by the insurance plan. When the two wheeler gets damaged in transit via a rail, road or air route, losses incurred are provided for by the insurance plan.
This type of insurance will also provide for the medical bills when a third party gets injured in an accident which involves the owner of the two wheeler. The two wheeler insurance will provide for the medical expenses which are incurred when the owner gets injured in some accident.
When the owner has to pay for the repairs or replacement, the expenses are compensated by the two wheeler insurance plan. The insurance plan will generally also pay for the replacement cost incurred on getting the wheels replaced.