Consequences Of Not Buying A Two-Wheeler Insurance Policy | Bharti AXA

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Consequences Of Not Buying A Two-Wheeler Insurance Policy

As a two-wheeler owner you will know how convenient it is to navigate narrow and overcrowded Indian roads, and get through bumper-to-bumper traffic quickly when you are on a bike. Riding a bike is also thrilling and you get to enjoy a wonderful sense of freedom when riding a two-wheeler.

However all these benefits of owning a two-wheeler can be short-lived if you don’t protect your bike with two-wheeler insurance. Buying two-wheeler insurance is the most important step you should take after buying a two-wheeler as it safeguards your bike from accidental damage and loss.

But many two-wheeler owners have either not insured their vehicles or have allowed their bike insurance policy to lapse by not renewing the policy on the due date. You should never let this happen since the consequences of not buying or having a valid two-wheeler insurance policy can be serious. How? Read on to find out.  

  • You could end up being penalised and paying heavy fines

As per the Motor Vehicle Act, 1998, it is compulsory for every two-wheeler owner to have at least third-party liability bike insurance. If you are caught riding an un-insured bike you could land yourself into trouble with the law.

As per reports an estimated 70% and more of two-wheelers on Indian roads are not covered with bike insurance. In order to create more seriousness around this issue and ensure that maximum number of two-wheelers are insured, the Indian Motor Vehicles (Amendment) Act imposed stricter traffic rules from 1st September, 2019.  

There is a sharp increase in fines and penalty for riding an un-insured two-wheeler. According to the new traffic rules you can be penalised with a fine of Rs.2000 (first time) or Rs.4000 (second time) and/or imprisonment up to 3 months.


  • Pay from your pocket for third-party loss and damage

The reason having a third-party bike insurance policy is mandatory is because it covers your financial liability if your bike causes accidental bodily injury or death, damage to vehicle and property of a third-party. You are liable to compensate them for the loss or damage which is taken care of by your insurance provider when you have third-party insurance.

But if you have not bought two-wheeler insurance, in such a scenario you will not have the financial protection of an insurance cover and will have to bear the entire cost of compensating third-party losses and damages from your own pocket.

  • Pay from your pocket for damages to your own bike

Not only third-party damages but even your own bike damages will have to be paid from your pocket if you do not have two-wheeler insurance. To get your bike repaired after it has suffered substantial damage in an accident can cost you heavily – whether it is minor repairs or major ones needing replacement of costly parts.

With a comprehensive bike insurance plan you get own-damage cover for your two-wheeler. It will protect you financially for any loss or damage to your bike due to an accident, natural calamities such floods, cyclones, earthquakes, man-made disasters such as riots, fire etc.

Not only do you run the risk of paying huge repair bills for damages, without bike insurance you will not be able to recover any of your money if your bike gets stolen. So you lose out completely if you have not bought a two-wheeler insurance policy since you cannot claim any compensation for damages or loss of your bike.

  • Cannot avail the benefit of compulsory personal accident cover

If you do not have two-wheeler insurance you do not have any protection for your bike for damages nor are you yourself covered for any road accident injuries.

Two-wheeler insurance offers the benefit of a compulsory personal accident cover of Rs.15 lakhs for the owner-rider in case of death or partial/permanent total disablement. This compulsory personal accident cover is available with both types of bike insurance plans – comprehensive bike insurance and third-party liability. But if you have not bothered to buy two-wheeler insurance you cannot avail this compensation in case of a mishap. 

  • You lose out on your No Claim Bonus

If you have not paid your two-wheeler insurance premium on the due date and your policy has lapsed for 90 days or more, you lose your entire no claim bonus.

No claim bonus or NCB in bike insurance is a discount you get for not making a single claim your two-wheeler insurance for the policy tenure. It is a discount you get on the next year’s premium. NCB can be accumulated for consecutive claim-free years and it can go up to 50%. You stand to lose your NCB totally if your bike insurance policy lapses.  


As you would have realised after reading these points, not buying two-wheeler insurance and not keeping it active by renewing your policy on time can be disastrous.