Drink and Drive VS Bike Insurance Policy in India - Bharti AXA GI&&Every Biker must know about the risks of drunken driving or riding in India. Here are a few facts that you need to understand about bike insurance policy and drunken driving in India. To know more read the complete article!&&

Products

Car Insurance

Two-Wheeler Insurance

Travel Insurance

Health Insurance

Motor Third Party Liability

Commercial Vehicle

Commercial Lines Insurance

Bharti AXA SME Package

Home Insurance

Pradhan Mantri Fasal Bima Yojana(PMFBY)

Arogya Sanjeevani

List of products

List of withdrawn Products

Car Insurance

Comprehensive Car Insurance

New Car Insurance Policy

IDV in Car insurance

No Claim Bonus in Car Insurance

Bumper to Bumper Car Insurance

Bike Insurance

Comprehensive Two Wheeler Insurance

IDV in Bike Insurance

No Claim Bonus in Bike Insurance

Bike Insurance Quote

Travel Insurance

Travel Insurance Coverage

Benefits of Travel Insurance

Travel Health Insurance

Travel Insurance Quote

Health Insurance

Cashless Health Insurance

Knowledge Centre

Blog

Infographics

Videos

Travel Guide

Visa Guide

Road Trip

Insurance Glossary

Health & Fitness Guide

Food & Cuisine Guide

RTO Guide

Driving License Guide

Car Manufacturer

Two-Wheeler Manufacturer

Travel Destination

Bharti AXA & YOU

About Us

Careers

Contact Us

Cashless Garages

Cashless Hospitals

Branch Locator

Grievances

Investor Relation Information

Resources

Public Disclosure

Knowledge Centre

Download Center

Media Center

Consumer Education

Electronic Insurance Account

Update IRCTC Nominee

Unclaimed Amount

Sitemap

Notice Of General Meetings

Service Parameters

Suspended Agents

Whistleblower policy

Become A Partner

About Group

AXA Group

Bharti Enterprises

Bharti AXA Life Insurance

Download My Airtel App

Legal

Privacy Policy

Terms of Use

Fraud Risk Management Policy

Equal Opportunity Policy

Car Insurance

Bharti AXA provides a comprehensive cover for your car,so you can drive hassle-free.

Two Wheeler Insurance

Ride worry-free, with Bharti AXA two wheeler insurance plan. 

Health Insurance

Safeguard the health of your loved ones with a wide range of Bharti AXA health insurance plans.

Travel Insurance

Secure your joyous family trips with Bharti AXA international travel insurance cover.

Bharti AXA Home Insurance

Bharti AXA Home Insurance

Bharti AXA SME Package Insurance

Bharti AXA SME Package Insurance

Bharti AXA Commercial Lines Insurance

Bharti AXA Commercial Lines Insurance

Bharti AXA Commercial Vehicles Insurance

Bharti AXA Commercial Vehicles Insurance

Bharti AXA Motor Third Party Insurance - Commercial

Bharti AXA Motor Third Party Insurance - Commercial

Pradhan Mantri Fasal Bima Yojana (PMFBY)

Pradhan Mantri Fasal Bima Yojana (PMFBY)

Bharti AXA Car Insurance

Renew your Bharti AXA car insurance to enjoy your non-stop drive.

Bharti AXA Two Wheeler Insurance

Renew your Bharti AXA Two Wheeler Insurance to continue your worry-free rides.

Bharti AXA Health Insurance

Renew your Bharti AXA Health Insurance and continue to safeguard the health of your loved ones.

Register Claim

Track Claim

BLOGS

FAQS

About Bharti AXA

Branch Locator

Cashless Garages

Cashless Hospitals

Careers

Contact Us

Become A Partner

Become A Partner
Explore Our Products
130+ COUNTRY WIDE PRESENCE
COVERS ALL TRAVELS RELATED DISASTERS
FLEXIBLE PLANS FOR YOUR NEEDS
24/7 ASSISTANCE WORLDWIDE
[object Object]
[object Object]
Car

Car Insurance

Two-wheeler

Two-wheeler Insurance

Health

Health Insurance

Travel

Travel Insurance

Disclaimer : The information published on this website is for the public′ s reference only. Content of this information is to provide an overview of your Travel needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice. Bharti AXA General Insurance Company Limited makes no representations about the suitability, reliability, timeliness, and accuracy of the information, travel,services, or any other items mentioned on this subject for any purpose whatsoever.
Most Recent Blogs
blogs/

HealthInsurance

Things that are Not Covered under Health Insurance

18th Jul,2020

blogs/

TwoWheelerInsurance

List Of Non-Gear Bikes You Could Buy On A Friendly Budgeta

13th Jul,2020

blogs/

CarInsurance

Here Is A List Of Documents You Have To Keep In Your Car At All Times

07th Jul,2020

blogs/

TravelInsurance

Are Adventure Activities Covered in your Travel Insurance Plan?

09th Jun,2020

null/

Drink and Drive VS Bike Insurance Policy in India

Facts about Motor Insurance and Drunk Driving

Two wheelers have become the most economical and sensible choice of a commute for many daily commuters. Hiring an autorickshaw or booking a cab whenever you step out to travel may seem too tedious. Four-wheelers, on the other hand, are high maintenance. Two-wheelers are here to save the day.

When travelling on the road, you need to be careful to carry all necessary documents alongwith. You must have a valid two-wheeler insurance policy to support you in case of any unexpected accident, injury or help you from incurring a lot of financial losses. But if you are driving under the influence of alcohol, then your insurance policy might not be able to protect you from unexpected losses. Here are a few facts that you need to understand about two-wheeler insurance and drunken driving:

  • You must understand one fact for once and for all. Drunk driving is not considered under any liability for your two-wheeler insurance.The terms and conditions of your policy specifically state that drunk driving is not covered by insurance. They clearly state that in case of drunk driving or the driver’s own fault in the accident, the insurance company is not liable to pay for the financial or legal costs incurred. Many companies follow a strict policy and do not accept any claims involving drunk-driving on the part of the policyholder.
  • Every insurance policy has some exclusions which are sometimes overlooked by the policyholders. Driving under the influence of alcohol is one major exclusion which absolves the insurance company of all its liabilities in case of a claim. This would mean that you yourself will be responsible for any losses occurring due to drunk driving. As a result, you might end up paying a hefty amount from your pockets without any chance of reimbursement. So always study the exclusion of your insurance policy and make sure you avoid them under any circumstances
  • Different insurance companies have a similar stand on claims filed for accidents due to drunk driving. They will deny your claims outright as it is against the law to drink and drive.
    When you have a comprehensive two wheeler insurance, you get the cover against third-party claims and for personal health care. But these also become void for incidents related to drunk driving. There will be no redressal for you, if you violate this condition. You should read the policy terms properly before even thinking of taking any legal recourse, as you might end up paying fees to the lawyers without any chance of success.
  • No insurance company can be blamed or sued in court for denying a claim that arises out of drunk driving. When the rider puts himself and a third party under intended or non-intended risk of his own accord, there is nothing that an insurance company ought to do.

All in all, it is a criminal offence to drink and drive in India (and many other countries as well), and if your blood alcohol rate is found above the permitted limit,then you are in trouble. Even reputed insurance companies like Bharti AXA exclude any drunk driving claims from their insurance policies.