Insurance is like a spare tyre. You may not require it, but not having one is not an option.

Two Wheeler Insurance Bangalore

There is no denying that Bangalore is one of the most populous cities in India. In fact, currently it holds the position of 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. The growth is still on a steady incline. This increase has led to unmanageable traffic and thus accidents on the road. Two wheeler insurance is more important than ever before now.

The law requires all vehicle owners to buy a basic motor insurance. However this is not a comprehensive cover and you will be required to pay a little more for a comprehensive cover that will take care of all expenses. The Motor Vehicle Act covers a variety of expenses that you may have to bear in the event of a two wheeler accident. It also covers your two wheeler in the event of a theft, fire, malicious act, natural disasters etc. Further, the legal liability to third party personal injury and property damage which arises out of the accident is also covered in this, as well as a personal accident cover.

So what is not included in the basic cover that the law expects? Things like loss of accessories, the legal liability to paid driver, personal accident cover for the pillion riders, normal wear and tear, damage due to negligent driver or driving under the influence of drugs/alcohol will not be covered in the basic insurance policy. It is possible to pay a little extra for a comprehensive cover which will cover many more expenses that you will be likely to face in the duration of your two wheeler’s possession.

Some of the top insurers in the city are Bharthi AXA, Bajaj Allianz, ICICI and HDFC. If you are looking at buying a new bike make sure that you compare the rates online and pick the one best suited for your requirements.

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