About Two Wheeler Insurance in Ahmedabad
The fifth-largest city in India with a population of 6.5 million, Ahmedabad’s romance with two wheelers started in mid-2000, and by 2017 two wheelers have come to constitute 72% of vehicles registered every year in the city. A centre for information technology, education, financial services industry and reputed educational institutions, the city’s public transport is no match to its growing status. The city's bus rapid transit system (BRTS), designed to ease road traffic, too failed to achieve its goal.
As per the Ahmedabad Traffic department data, a total of 726 road accidents were reported until June 2019, and most of them involve two wheelers. Accidents are happening daily, and some of them end up in even loss of life. Not just mishaps, vehicle thefts are also on the rise in the city. Since 2016, thousands of vehicles have been stolen, of which only 30% have been recovered so far by the police.Read More
Why choose Liberty General Insurance for two wheeler insurance in Ahmedabad?
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4,300+ partner garages in India
LGI ensures that
your bike is inspected with ease
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Liberty General Insurance
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LGI policy with ease
Additional Protection Cover
Check our list of add-on policies
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Types of Two Wheeler insurance available in Ahmedabad
While there are essentially two types of policies – Third Party and Comprehensive---Liberty General Insurance offers a host of additional covers.
Third Party Insurance
The Motor Vehicle Act of 1988 has deemed it mandatory to own third-party insurance. Driving without it is a punishable offence under the act. This policy however only covers third party damage and does not apply to damage to your own vehicle.
Comprehensive covers are the most sought out insurance policies because they not only cover your vehicle in case of a third-party incident, but also covers your bike in case of damage during an untoward incident.
Own Damage (OD) Cover
An OD vehicle insurance policy covers damage caused by fire explosion or lightning, burglary or housebreaking or theft, riots and strikes, earthquakes (fire and shock damage), typhoons or floods, riots and malicious acts, terror activity, etc. It does not, however, cover damage caused to third party among other exclusions.
What Own Damage Insurance does not cover for your Bike?
- Damage to third-party vehicle
- Damage to third-party property
- Injuries to other people in an accident
- Normal wear and tear
- Mechanical or electrical breakdown
- In case you use your motorbike commercially
- Driving under the influence of alcohol or drugs
- Driving without a licence
Liberty General Insurance gives you the option to choose various add-on covers such as depreciation cover, passenger assist, consumable cover, engine safe cover, Gap value cover, Key loss cover, and roadside assistance cover.
What all is covered under third-party liability?
LGI third-party insurance liability cover insures a third person who is not a party to the contract. The motor insurance covers the following losses or damage:
- Liability covered for an unlimited amount in respect to loss of life.
- Any damage caused to property, other than the vehicle, of another individual by your vehicle
- Any permanent injury or loss of life caused to a person by your insured vehicle
- Liability in any damage to third party property covered up to Rs 1 lakh in case of a two wheeler.
What are the benefits of cashless garages in Ahmedabad?
Network cashless garages make the entire process of getting a damaged vehicle fixed simple and efficient. There is minimal paperwork, and you get assistance. The tie-up they have with the insurer helps with quick and quality service. Your out-of-pocket spending is reduced, and the insurance company directly settles the bill with the garage. Some network garages offer a replacement vehicle until they fix the damaged bike.
Can I continue the policy in the name of the previous owner even after transferring the vehicle to my name?
No. The registration & insurance policy of the two wheeler must always be in the same name and same address. Otherwise, the claim is not payable. You will have to get them changed in the RTO records.
Can I purchase an LGI two wheeler insurance policy online?
Yes, you can always buy LGI two wheeler insurance cover online from the comfort of your house without visiting LGI branches. In fact, you can help save the environment by going paperless. You will get a soft copy of the insurance policy. If you want to renew your policy online, you can do it here. Make sure to avail of the add-on covers mentioned above for better insurance experience.
Visit our Ahmedabad office here.
Registration Number: 150 | ARN:Advt/2018/March/26 | CIN: U66000MH2010PLC209656
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