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!&&


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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.