ICICI Lombard has the good plan U can go through it.  

A comprehensive Motor Insurance policy for your two-wheeler that keeps it secure against damage caused by natural and man-made calamities, including acts of terrorism. Avail of Own Damage, Personal Accident and Liability cover all in one policy.

Key Benefits

A digitally signed policy is issued immediately through our online facility.

Access to over 2700+ network garages for cashless claims servicing across India.

Optional Personal Accident cover for co-passengers

Loss or Damage to your vehicle against Natural Calamities

Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.

Sum Insured

All vehicles are insured at a fixed value called the Insured’s Declared Value (IDV).

IDV is calculated on the basis of the manufacturer’s listed selling price of the vehicle

(plus the listed price of any accessories) after deducting the depreciation for every

year as per the schedule provided by the Indian Motor Tariff.