Legal

Caught Without Two-Wheeler Insurance? Here’s What You’ll Pay

Published on: May 25, 2024

Last Updated on: June 14, 2024

Two Wheeler Insurance Penalties

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Having a bike is fun and a joy to ride on the road, but along with joy. It accompanies some legal compliances that you must consider on your end. One such compulsory legal requirement is having proper bike insurance

You should not make your choices on the wrong end. Ensure that you maintain the best solution that can help your business to grow in the correct order. Without knowing the reality, you cannot make things happen in your own way. 

Driving a bike without the application of bike insurance can lead to serious consequences. You should ensure that you maintain proper bike insurance renewal so that you can avoid unwanted situations. 

Is It Illegal To Drive A Two-Wheeler Without An Insurance Policy?

Yes, it is illegal to drive a two-wheeler without an active working insurance policy in India. According to The Motor Vehicles Act, of 1988, having at least a Third-party Liability Policy is mandatory for all motor vehicles, including two-wheelers bikes. 

This policy covers legal and financial liabilities that come up from damage or loss to a third-party vehicle or life in case of any incident or accident. To get wider coverage, it’s wise to go for a 2-wheeler insurance policy, which also covers damages to your own vehicle.

Fine For Driving Without Insurance

Driving without a valid working bike insurance policy can lead to many severe penalties. As per the amended Motor Vehicle Act, 2019, the fine you need to pay for riding a two-wheeler with no insurance is Rs. 2,000 and/or up to 3 months of imprisonment for the first offense itself. 

How To Buy Or Renew Two-Wheeler Insurance Easily

Renew Two-Wheeler Insurance

Buying and renewing a bike was not as easy in the past as it is today. You should know the easy process to make things work perfectly well in your favor. Develop a better option that can make things easier for you in all possible manner. Two-wheeler insurance penalties can make things difficult for you. 

1. Visit An Insurance Website: 

Go to the trusted insurance provider’s website and do complete research about their service offerings to understand what they are providing. This will boost your chances of getting all the insurance coverage within a particular time period. 

2. Enter Vehicle Details: 

Enter all the necessary information about your bike, like the registration number, make and model, and previous policy details if you’re renewing your insurance policy.

3. Choose The Coverage: 

Select the type of coverage you need. A Comprehensive Policy is recommended for extensive protection, while a Third-party Policy is the minimum requirement. Two-wheeler insurance penalty can exceed your coverage amount if you commit a serious accident. 

4. Get A Quote And Pay: 

Once you have entered all the details in perfect order, you will receive all the insurance quote amounts. You should check the quote and go ahead with all the insurance payments with options like debit cards, credit cards, net banking, UPI, and digital wallets. 

5. Receive Your Policy: 

After you make the payment, all the insurance documents will be sent to you by the insurance provider. The best thing you can do is you can download it from the website. This will help you in meeting your needs with complete clarity within a particular time period. Try to ensure that you do not commit any kind of errors in this regard. 

What Are The Different Types Of Bike Insurance Plans? 

Types Of Bike Insurance Plans

There are several types of bike insurance plans that you must be well aware of. Some of the best solutions in this regard are as follows:-    

A. Third-Party Liability Insurance 

Third-party liability insurance is a basic and legally mandated bike insurance.  You must stay with you before riding your bike. Furthermore, you should follow certain tips that can help you to cover all the injuries while any kind of damage caused by the third party. 

Thus, it includes all the people and property where you are responsible if you are at fault. However, this does not cover any kind of damage to your own bike. You should identify the best solutions that can meet your requirements. 

B. Comprehensive Bike Insurance 

This plan covers a broader amount of coverage than third-party liability insurance. It covers all the third-party liabilities that the damages to your own bike cause. Accidents, thefts, fires, natural disasters, vandalism, and other types of perils are available in your policy. 

It is one of the well-rounded options for all the riders. For those, who want more protection for their investments for them comprehensive bike insurance can be a better option. You should be well aware of the options available in your hand. 

C. Standalone Own Damage Bike Insurance 

You should know that this plan covers all the damages to your own bike that are caused by fire, thefts, natural calamities, riots, and other perils. It does not include all the third-party liability coverage. Additionally, you must be well aware of the scenarios that can make situations work perfectly. 

In some regions, stand-alone OD insurance can only be purchased with the application of a third-party liability policy. You need to go through the complete process to get assistance with any insurance.    

Why Can Two Wheeler Insurance Agents not Reduce Insurance Penalties? 

There are several reasons why insurance agents cannot reduce the insurance penalties.

Some of the core reasons that you should consider here are as follows:- 

  • Insurance agents represent the insurance companies. Their primary job is to sell and service insurance matters. They do not intervene in legal matters. 
  • Most of the time, all the penalties are set by law, and all the predetermined laws are set. So, the fines and consequences are preset according to traffic regulations
  • Money collected in the form of penalties goes to the national treasury, not to any kind of insurance company. 

You should understand these facts while meeting your goals with complete ease. This is why you must ensure that you do not fall into the trap of a wheeler road penalty. As these can make things worse for you in all possible ways. Along with it, you need to take care of the perfect solution that can make things easier for you. 

Final Take Away 

Hence, you should ensure that your Bike is insured with the proper means. Not just to meet your legal complexity but also to get things done in perfect order. When you ride your bike without a motorcycle insurance policy, things can turn worse for you. You have to face the consequences of fines and punishments in the form of legal problems.    

You can share your views and opinions in our comment box, as this can boost the chances of getting fewer penalties to a considerable extent. Ensure that you maintain the correct methods. 

However, you must not make your selection and requirements in the wrong order. There are other important practices you need to remember here. You should prioritize the safe driving of two-wheelers from your end. The reason behind it is because of your restless driving life of many road pedestrians can be at stake. 

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Ankita Tripathy

Ankita Tripathy loves to write about food and the Hallyu Wave in particular. During her free time, she enjoys looking at the sky or reading books while sipping a cup of hot coffee. Her favourite niches are food, music, lifestyle, travel, and Korean Pop music and drama.

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