Having A Bike Insurance In Today's Traffic Congested Roads is a must

Driving a two-wheeler is wonderful. It is so easy to commute. Most men and women opt for buying a two-wheeler over taking the public transport system because it makes commuting fast. However this has resulted in an enormous increase in road traffic and the result of this are high road accidents.

Even experienced drivers suddenly find themselves in a situation where their vehicle gets damaged due to a collision or a bump with another vehicle. In such situations, bike insurance offers assistance by providing compensation. The compensation offered can be used to pay expenses and brings them down. When such expenses arise suddenly they are difficult to cope. Insurance pays out for them so that you and your family can cope with the losses.

What Is The Cover Offered By Two-Wheeler Insurance?

A basic bike insurance policy is inexpensive and offers wide coverage such as:

If an accident were to happen to your vehicle or it is stolen, the policy will pay for losses

It will cover for expenses arising from damage to vehicle caused by man-made or natural disasters

It pays out if there is a personal accident resulting in loss of life or permanent disability

It offers compensation if the vehicle has injured third party or their vehicle


If there is damage to third party property it pays for losses incurred

There are many add-ons that you can opt which enhance protection when driving on the roads. These will increase the premium cost but give immense assistance when faced with an adverse situation. You can bring down premium cost by installing an anti-theft device in the vehicle. Coverage from the policy is available only for a period of one year, after which it has to be renewed. If you do renewal without fail, no inspection will be done on the vehicle.

Transfer Of Insurance

Every year, bike manufacturers add new models to their stock. They roll out new models which results in people selling their old bike or scooter to buy the latest model. If you want to do this but there is existing insurance on the vehicle, transfer it to the new owner. Bike insurance is flexible and allows you to do this without any difficulty.

How To Apply For Insurance?

Bike insurance is not expensive and you can easily find a policy that fits your budget. You can apply for it online. Just visit the insurance company's website and fill the online application form. Before filling the form, find out cost for the coverage that you need through the bike insurance calculator. Once you get a policy number, use it to make premium payments. You can also renew the policy online and when you do it without fail before the due date, there is no inspection done on the vehicle.

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About the Author

Kirti Saxena

Kirti Saxena is a web enthusiast and a writer for different areas including insurance and banking and numerous other sectors.