June 18, 2024

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What Your Two-Wheeler Insurance May Not Cover

3 min read
Two-Wheeler Insurance


Mopeds, motorcycles and other two-wheelers are significant forms of transportation, particularly in urban areas where many people are buying two-wheelers to avoid gridlock and blocked roads. In addition to saving you time and getting you where you’re going faster than other forms of transportation, two-wheelers are also far less expensive than cars. They are also inexpensive to maintain and easy to afford because of their low maintenance costs.

Buying motorcycle insurance is essential if you want to make sure that your ride is protected in the event of an accident. Before making a purchase, you must fully understand your two-wheeler insurance policy, including its inclusions and exclusions.

We’ll discuss a few things your two-wheeler insurance might need to cover.

  • Among riders, the adrenaline rush is almost as familiar as brakes, at least to a significant degree. Speeding-related losses or damage are not covered by two-wheeler insurance.
  • If someone else rides your bike, there won’t be any damage or loss to the vehicle. The insurance company will pay for repairs if the vehicle’s owner is involved in an accident; however, if the bike was lent to someone else, the cost of repairs will not be covered.
  • Two-wheeler insurance does not anticipate wear and tear, repairs, usage, or servicing-related value reduction.
  • Your insurance provider will not cover you if you misplace or forget your two-wheeler’s keys and they are taken, resulting in the vehicle being reported stolen.
  • Two-wheeler insurance will not cover mechanical or electrical breakdowns.
  • Unauthorised riders will not be covered for accidents. You must provide the names of all potential two-wheeler riders when you purchase the insurance policy. The insurance will not cover loss or damage from an unauthorised rider using a two-wheeler.
  • If the rider has no valid driving licence or is a minor, two-wheeler insurance will not pay for any losses or damages resulting from accidents.
  • Two-wheeler insurance will not cover damage or loss incurred while riding outside of India.
  • Vehicles lost or damaged while the rider was under the influence of drugs or alcohol are not covered by two-wheeler motor insurance.
  • Two-wheeler insurance does not cover damage or loss resulting from nuclear or radioactive activities.
  • Third-party bike insurance does not cover damage, loss, or injury to the rider resulting from natural disasters like earthquakes, tsunamis, or man-made issues like terrorism, riots, or wars.
  • Two-wheeler insurance will not cover injuries sustained by the rider or damage to or loss of the bike resulting from helmet wear.

While two-wheeler insurance offers essential coverage, it’s crucial to know its limitations. Exclusions may include wear and tear, mechanical breakdowns, and illegal activities. Thoroughly review your policy, understand its limitations, and consider additional coverage options if needed. Stay informed and proactive to better safeguard yourself and your two-wheeler on the road. Renew your bike insurance on time to ensure you receive all the inclusions.*

* Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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