Representative Image by Thomas G from Pixabay

The only time your bike does not require insurance is when you stop using it. However, if you are still riding your bike, never take any chances by not getting two-wheeler insurance. Because life is so unpredictable, you should always have an insurance policy.

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If you have failed to renew your two-wheeler insurance coverage, make sure you do it immediately to avoid any unpleasant surprises. Whatever your reason, you must be prepared to face the consequences if you are caught off guard, as riding a two-wheeler without a valid insurance policy is a serious crime in India.

Is it illegal to drive a two-wheeler without an insurance policy?

Yes, according to the Indian Motor Tariff, riding a bike without at least the minimum insurance plan called Third Party Insurance or Liability Only Insurance Plan is a prohibited and penalized offense. All two-wheeler vehicles must be lawfully driven on the streets.

A fine for driving without insurance

The penalty for the first offense of driving without insurance is Rs 2000 (increased from Rs 300 previously) or up to three months in prison. If you continue to drive without insurance, you will have to pay Rs 4000 or risk up to 3 months in jail.

How to buy or renew two-wheeler insurance easily?

The following are the typical stages used by two-wheeler to buy or renew insurance easily online.

  1. Go to the website of your insurance company.
  2. To proceed with your online payment, fill out the renewal form with the necessary facts about your bike.
  3. Obtain a premium quote and make your payment.
  4. Once the payment is done you will receive the policy documents on your registered email address.
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Also, here are some things to remember if you want to avoid penalties for driving without insurance.

  • Always retain a hard copy and a soft copy of vehicle paperwork such as the registration certificate, driver’s license, and pollution certificate.
  • Keep track of the renewal of your insurance coverage.
  • Purchase a third-party liability policy since high fines are levied for inadvertently injuring people in traffic accidents.

While third-party two-wheeler insurance is required in India, and failure to have one can result in harsh consequences (as indicated above), a comprehensive two-wheeler insurance policy is always a preferable alternative. Third-party insurance only covers the loss/damage caused to the third party, whereas comprehensive insurance covers both you and your bike.

Although the price for comprehensive coverage is slightly higher, the benefits are well worth it. Because repairs after an accident are costly, a comprehensive policy makes more sense, even if the premium is somewhat high.

With a bike insurance online policy, you can be confident that any damage will be covered. So, to avoid such repercussions, purchase online insurance for your two-wheeler today.

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About Smriti Gala

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Smriti Gala works as a Digital Marketing Manager with Coverfox. As her life turned upside down when COVID severely afflicted her family members, Smriti decided to dedicate her expertise towards informing and educating the masses about the importance of health insurance. When she is not actively writing enlightening content, the ‘monk marketer’ likes to meditate, meet new people and explore less travelled territories.

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