Things That Are Not Covered Under Your Bike Insurance Policy

As a bike owner in India you must be aware of the importance of bike insurance. It gives you financial protection in case of damage to your bike or even to a third party. It is mandatory by law and extremely beneficial for you. However, bike insurance will not protect you in every possible scenario. Even if your coverage is robust, there will be some situations which will not be included in it. These are known as exclusions. It is important to have knowledge of some common exclusions in bike insurance policies. However, note that every policy is different and you should read your policy document carefully to be aware of its exclusions.

Things That Are Not Covered Under Your Bike Insurance Policy

Here are some notable exclusions which are common across many bike insurance policies:

• If you are found riding under the influence of alcohol or any other substances, you will not be covered under bike insurance for any damage during that time.
• If the rider is somebody other than the owner and is not registered on the bike insurance, it will reflect as an exclusion. Similarly, if you are riding somebody else’s bike, you will not be covered by insurance.
• If you are riding without a valid driving license then you will not be able to avail of the financial protection of insurance coverage.
• If you are found to be speeding at the time of any damage or loss, it would not be covered by two wheeler insurance.
• Two wheeler insurance also does not anticipate any value reduction due to wear and tear or regular usage of the bike or two wheeler.
• If the two wheeler is stolen due to a loss of keys, the insurance company will not consider the claim.
• Damage caused to the two wheeler or any other claim arising out of an incident outside of the geographical limits of India would not be covered by two wheeler insurance policy.
• Two wheeler insurance will not cover damage arising from nuclear or radioactive activities.
• Insurance will also not cover you in case of damage caused during wartime.
• Two wheeler insurance will not cover damage due to electrical or mechanical failures.
• You will not be covered for injuries to you as the rider if you are not wearing a helmet at the time of injury while riding.
• Damage to tyres will not be covered unless it occurs during an accident when the rest of the bike is also damaged.
• Theft of accessories will not be covered unless the bike is also stolen.

Must Check

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Conclusion

These are some common exclusions which will apply to many bike insurance policies. However, be sure to read your own policy carefully and thoroughly research the applicable inclusions and exclusions in your bike insurance policy before you purchase it.

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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.