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To compare bike insurance plans, start by assessing coverage options like accident damage, theft, third-party liability, and personal accident benefits. Check the claim settlement ratio to gauge the insurer's reliability. Compare premiums and deductibles, balancing cost with coverage. Review exclusions and policy limits to understand what isn't covered. Consider add-ons like zero depreciation or roadside assistance. Look at customer reviews and ratings for insights into service quality. Finally, evaluate the ease of the claims process, ensuring it’s straightforward and efficient. This comprehensive approach helps in selecting the best insurance plan for your needs.