About Two Wheeler Insurance in Delhi
Going by March 2018 figures, Delhi is home to a whopping 70 lakh two wheelers. The figure doesn't give the real picture on the actual number of vehicles plying the city roads, thanks to the presence of two wheelers registered in the national capital region (NCR) areas. The main reason why India's capital city prefers two wheelers as its favoured mode of transport could be its high road density and the end-point connectivity advantage. Unreliable public transportation facilities and costly cab, auto-rickshaw could be another big letdown.
However, while riding a two wheeler may well help you cut down on time, money, traffic and crowds of Delhi, what one should be wary of is that the city is also known for road rage, rash driving and accidents. So, even as you adhere to traffic rules and avoid rash driving to ensure your safety, for that enhanced protection for yourself and your favourite two wheeler, also identify the best, reliable two wheeler insurance policy available in the city. It could prove to be your best friend on the road, taking bikee of accidental damages, cashless repairs, and vehicle's depreciation.
You can also find a list of Liberty General Insurance-partnered garages at our garage locator
Why choose Liberty General Insurance for two wheeler insurance in Delhi?
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Types of two wheeler insurance in Delhi available
Third Party Insurance
A third-party insurance is compulsory as per the Motor Vehicle Act of 1988. Driving your two wheeler in Delhi, and other parts of the country without third-party insurance is punishable by law.
A comprehensive policy clubs a mandatory third-party insurance policy with add-on covers, as well as an own damage to vehicle cover.
Own damage to two wheeler
Buying an Own Damage to two wheeler insurance policy is beneficial, as it will ensure that your bike is covered against damage it faces in case of an accident or theft. Your bike will be covered for the following:
- by fire explosion self-ignition or lightning
- by burglary housebreaking or theft
- by riot and strike
- by earthquake (fire and shock damage)
- by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost
- by accidental external means
- by malicious act
- by terrorist activity
- whilst in transit by road rail inland-waterway lift elevator or air
- by landslide rockslide
What own-damage insurance will not cover
- Damage to third-party vehicle
- Damage to third-party property
- Injuries to other people in an accident
- Normal wear and tear
- Consequential loss
- Mechanical or electrical breakdown
- In case you use your private bike 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 these include
- Depreciation cover
- Passenger assist
- Consumable cover
- Engine safe cover
- Key loss cover
- Roadside assistance cover
Is it required to renew two wheeler insurance every year? Can we do it online?
Yes, since at least a third-party insurance is mandatory, you will have to renew bike insurance every year. With LGI, you can also opt for multi-year two wheeler insurance which offers long- term coverage. Online insurance /renewal facilities for two wheelers are available with LGI. Click here for renewal. Make sure you opt for the add-on covers mentioned above to complete your comprehensive plan.
Why should one opt for LGI two wheeler policy? Can I opt just for the third-party cover?
LGI insurance policy covers two wheelers against damage or loss as an outcome of theft or an accident. Since accidental repairs are part and parcel of owning a two wheeler and involves high expenses, comprehensive two wheeler insurance could be a wiser option. Apart from third-party liability, it covers damage to own vehicle along with personal accident damages.
How to get a two wheeler policy online?
You can get a policy online in no time at. Click here for a new policy. You will get a soft copy of the insurance policy as soon as this is done. Go green and avoid unnecessary paperwork!
Is two wheeler insurance policy mandatory in Delhi?
Be it Delhi, Kochi, Kolkata or any other city, third-party two wheeler insurance policy is a statutory requirement across India as per the Motor Vehicles Act, 1988. Even riding a bike without a third-party motor cover is an offence punishable by law.
To visit our Delhi office, click here.
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