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A staggering 75% of two-wheelers currently active on Indian roads either do not have any insurance at all or the insurance is no longer valid. While some may genuinely forget to renew their policies, there are many who do not do it in order to save a few thousand rupees.
With Indian roads still unsafe, what happens when you do not have two wheeler insurance? The ramifications of this can have a considerable impact on the vehicle, the owner, and the pillion.
Regardless of what your reason may have been, here are a few insights into the consequences that you have to experience if you do not purchase a two-wheeler insurance policy.
The penalties involving lapse of policies and driving without insurance is dangerous. The results are damaging to all parties involved. When a death occurs, the situation will get worse. These are serious factors to keep in mind. Hence, buy the insurance required for your two-wheeler. Ensure all the paperwork is up to date. Never delay these things.
The penalties of driving without any motor vehicle insurance in India can have severe ramifications. Also, driving within India without motor vehicle insurance is illegal. Anyone breaking the law will be charged a fee which is a penalty of ₹1000. This would also involve imprisonment for 3 months in the event of a traffic violation. Alternatively, the law and traffic authorities can impose both penalties.
There are legal liabilities in the event of driving without insurance. These would include natural disasters and man-made incidents. Which means that the comprehensive cover which was bought will be of zero validity on a lapsed policy. Also, in the event of an accident and the death of another person, without a third party cover, you would be subjecting the rider to breaking the law. It can lead to a criminal offence, and further have ramifications of serving time in jail. In such cases, all expenses have to be borne by the offender/lawbreaker.
In the event of attempting to renew a lapsed policy, it becomes an extremely lengthy and cumbersome process. It is as good as buying a new plan This would require the owner of the two-wheeler to start the process right from the very beginning. Stage 1 would involve submitting all required documents for the purchase of a new two-wheeler insurance policy. The cost would go up as well.
With complications and unnecessary losses, it is best to renew your two-wheeler insurance policy within the given time frame.
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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 Insurance needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice for Travel/Health/Motor. 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.
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