About Two Wheeler Insurance in Kolkata
Known to all as the City of Joy, Kolkata is India’s second-largest city, and considered by many as India’s intellectual and cultural capital. A city that has had a massive role in India’s freedom struggle, Kolkata is also the home of India’s Renaissance movement. It has long been known for its literary, artistic and revolutionary heritage. As the former capital of India, not only Kolkata, but West Bengal was the birthplace of modern Indian literary, artistic and scholastic thought.
With the good, also comes the bad. Kolkata is a metropolis with a very limited road space and one of the highest vehicle density roads. It is not a ‘'City of Joy' when it comes to road accidents, most of which involve two wheeler users.Read More
Why choose Liberty General Insurance for two wheeler insurance in Kolkata?
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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
that will protect your bike
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Types of Two Wheeler insurance available in Kolkata
Third Party Insurance
It is mandatory to have third-party insurance under the Motor Vehicle Act of 1988. Driving without it is a punishable offence under the act.
A comprehensive insurance policy includes own damage to vehicle, and add-on covers, along with the third-party insurance policy
Own Damage (OD) Cover
An OD policy helps you stay covered in case of an accident or theft. This 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.
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 commercially use your two wheeler
- Riding your bike under the influence of alcohol or drugs
- Riding your bike without a licence
- Consequential loss.
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.
Can I purchase a two wheeler insurance policy online?
Yes, you can do it on the LGI web site here. You will get a soft copy of the insurance policy after purchase. We encourage you to go green and purchase online since it means less paperwork.
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. You can renew your insurance policy here.
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 vehicle must always be in the same name & same address otherwise the claim is not payable. So you will have to get them changed in the RTO records.
Should I buy third-party or comprehensive bike insurance?
Third-party bike insurance is mandatory according to the Motor Vehicle Act of 1988. However, it is advisable to buy a comprehensive bike insurance, as third-party insurance only covers third-party liability, and any damage to your two-wheeler will not be covered. You can choose one of several Liberty General bike insurance policies that cater to your requirements to ensure that you don’t feel the pinch in case your bike is damaged.
Add-on riders, are additional covers that provide all-round protection to your bike. You can choose from a wide range of add-on covers including:
- Depreciation cover
- Passenger Assist
- Consumables cover
- Engine safe cover
- GAP value cover
- Key loss cover
- Road-side Assistance cover
Add-on riders are not a part of your insurance policy and you have to pay separate premium for each rider you select as per your requirement
To visit our Kolkata office, click here.
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