Two-wheelers are one of the most popular means of commuting in India. Bikes and scooters allow you to zip smoothly through heavy traffic and often reach your destination much sooner than you would have in a four-wheeler. It’s no wonder that most people do opt in for a two-wheeler as their first vehicle ever. Not just that, many people who own cars do also keep a bike or scooter handy for quick trips.

Now, it is essential that all motorists in India buy at least basic third-party insurance for their vehicles. Thus, if you own a bike or scooter, you too need to have third-party two-wheeler insurance before riding your vehicle on the roads. This basic form of coverage keeps you legally compliant and also protects you from third-party liabilities in case of an accident. Third-party motor insurance, however, does not cover own damages. So, most bikers prefer to buy comprehensive two-wheeler insurance instead.

True to its name, comprehensive two-wheeler insurance offers holistic coverage to the policyholder. You are financially protected against third-party liabilities in an accident, own damages, theft, and a range of man-made and natural calamities. However, it is also important to note that comprehensive two-wheeler insurance policies do have certain exclusions to the coverage they provide. It is important to be aware of these so as to avoid any confusion while raising a claim.

Exclusions of two-wheeler insurance

Let’s take a look at a few things that your two-wheeler insurance policy will not cover.

  • Incidents that arise due to the driver being intoxicated with drugs or alcohol
  • Damages that are the direct result of war, riot, terrorism, or similar situations
  • Claims raised for accidents or incidents during which the driver lacked a valid driving licence
  • Normal wear and tear, mechanical or electrical failure to the vehicle
  • Claims made for accidents or incidents during which the driver was not wearing a helmet
  • Claims made in cases where the driver was found to be travelling over the speed limit
  • Claims for accidents that occurred when someone else was riding your bike or scooter
  • Claims for accidents that occurred when you were riding someone else’s bike or scooter
  • Theft that results from you losing the keys to your vehicle
  • Losses or damage to the vehicle that occur outside the geographical limits outlined in the policy
  • Claims made on a two-wheeler insurance policy that has expired

Do be sure to go through the fine print of your two-wheeler insurance policy for a detailed look at the exclusions you need to be aware of. The wordings and extent of these exclusions can vary slightly between insurers in the country.

Remember that you can easily buy or renew your two-wheeler insurance policy online from the comfort of your home or office. Always keep your vehicle insured so that you ride in accordance with the law and do not have to face any hassles or major losses in the event of a road mishap.

Take care, wear a helmet and ride safely!