Two-Wheeler Insurance Bangalore
There is no denying that Bangalore is one of the most populous cities in India. Currently, it holds the position of the third most populous city in the country. The growth has been incredibly rapid: From 5.1 million people in 2001 to 8.4 Million in 2011.
Vehicle insurance is very important as the number of vehicles is increasing day by day, which is causing more traffic and accidents. By law, every vehicle owner must have basic insurance, i.e. third-party insurance, but it only covers damage to other people or property. A full cover plan, which costs a little more, can cover accidents, theft, fire, natural disasters, and personal injury. Basic insurance does not cover things like accessories, pillion rider cover, paid driver, normal wear and tear, or accidents caused by careless or drunk driving. It is better to choose a full cover plan after comparing options from companies like Bharti AXA, Bajaj Allianz, ICICI, and HDFC.
Importance of Two-Wheeler Insurance in Bangalore
It is very important to have two-wheeler insurance in a busy city like Bangalore because accidents and traffic mishaps are very common. Here is the significance:
1. Legal Requirement: It is mandatory to have at least basic insurance as per the law. If you drive without it, then you may have to face penalties, fines, or legal trouble.
2. Protection Against Accidents: In case someone meets with an accident, insurance covers damage or injury caused to other people or their property. This helps in reducing the financial burden of accident-related expenses.
3. Comprehensive Coverage: In case you choose full cover plans, then you can protect your bike from theft, fire, and natural disasters. Also, it can include personal accident cover for the rider.
How to Find Right Two-Wheeler Insurance in Bangalore
It is very important to choose the right two-wheeler insurance in Bangalore as it can be a confusing decision. Given below are some of the key factors that can help you make a better decision:
- Adding extra covers gives better protection but increases the cost slightly.
- If you do not make any claims, you can get a discount when you renew the policy.
- Your past claim history matters, as more claims can increase the premium.
- The age and type of your bike affect the price, with newer or expensive bikes costing more to insure.
How to Buy Two-Wheeler Insurance in Bangalore
In order to buy insurance for your two-wheeler in Bangalore, you can follow the steps given below:
- Gather all the information, such as the bike’s RC number, engine number, chassis number, make & model, registration date, and current insurance details.
- Choose the type of insurance you want to get, i.e. Third-Party (mandatory) or Comprehensive (covers own damages too).
- Visit the official website of insurance provider such as ICICI Lombard, Bajaj Allianz, HDFC ERGO, Tata AIG, New India Assurance, or IRDAI’s portal.
- Fill in the application form by filling in the vehicle and personal details.
- Select optional add-ons like zero depreciation, roadside assistance, or engine protection if needed.
- Pay the premium through the given payment options such as credit/debit card, net banking, or UPI.
- You will get the e-insurance policy on your email, which you need to download for your future reference.
Read More About Two Wheeler Insurance
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- What Documents are Required When Buying Used Bike
- Guide for Buying Used Motorcycle
- Why You Should Buy Two Wheeler Insurance
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- How to Transfer Two Wheeler Insurance
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- How to Save Petrol When Riding a Bike
- Cashless Two Wheeler Insurance
- Tips to Reduce Bike Insurance Premiums
FAQs
- What happens if I do not have two-wheeler insurance in Bangalore?
According to the Motor Vehicle Act, if you do not have your two-wheeler insurance, then you have to pay a fine of Rs.1,000-or three-months' imprisonment.
- Is it mandatory to have full-cover insurance in Bangalore?
No, it is not mandatory to have full-cover (comprehensive) insurance. However, under the Motor Vehicles Act, 1988, you must have third-party insurance to legally drive any vehicle.
- Can I get the insurance claim if my bike engine gets seized in Bangalore?
No, you will get a claim if the engine seizure is due to mechanical failure, because it is not covered under standard bike insurance policies.
- Can I get insurance if my bike gets damaged due to any natural calamities?
Yes, you will get the claim under a comprehensive bike insurance policy if any damage occurs due to natural calamities like floods, earthquakes, cyclones, or storms.
- Is it compulsory to renew my two-wheeler insurance in Bangalore?
In case your vehicle’s insurance gets expired, then it is compulsory to renew the insurance so that you can drive legally in Bangalore.
Kankana Mukherjee is an engineer and has over 4.5 of experience in content writing. Combining the expertise in financial content writing achieved in her 2 years association with BankBazaar, and a knack for clear and engaging content, Kankana simplifies complex financial concepts and offers practical insights to help readers make informed decisions and achieve financial success.
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