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Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

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The Registered Office of Go Digit: Go Digit General Insurance Limited, 1st Floor, Fairmont, Hiranandani Business Park, Powai, Mumbai – 400076.
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Bike Insurance for Convicted Riders in India

Is It Possible to Get Bike Insurance for Convicted Riders?

Is It Possible to Get Bike Insurance for Convicted Riders?

Finding a bike insurance policy is hard for riders who have a conviction. It's also expensive because insurers see them as high-risk. Convictions like DUI, reckless driving, hit-and-run, and driving without insurance can raise your insurance costs. In some cases, insurers may even refuse to cover you.

Though they do not insure convicted riders, some insurance companies have high-risk driver policies. They cost more than others but provide coverage and legality. Sometimes, the convicted rider has no choice but to opt for third-party cover. It is the minimum legal protection, excluding personal injuries and theft.

Major Offences Affecting Bike Insurance

Traffic violations can adversely affect the quest for the best bicycle insurance. The incidents can cause insurance firms to think the rider is at greater risk, so they will hike premiums or deny coverage.

Some of the most serious violations that affect bike insurance are:

Offence Description Potential Impact on Insurance Premiums
Driving Under the Influence (DUI) A DUI can lead to huge fines, driving license suspension, or imprisonment. The insurance providers treat DUI offenders as high-risk clients.  Significantly higher premiums.
Policy denial.
Limited coverage options.
Forced SR-22 or FR-44 submission.
Permanent impact on premiums.
Reckless or Dangerous Driving Rider negligence includes speeding beyond limits, lane-splitting, road stunts, and ignoring traffic rules. These are major causes of accident risk and insurance claims. Legal penalties.
Higher insurance costs.
Potential denial of coverage.
Permanent impact on premiums.
Driving Without Insurance Driving without insurance is prohibited in India and most nations. It may result in fines, legal complications, and future insurance problems. Legal consequences.
Higher future premiums.
Limited coverage options.
Financial burden.
Hit-and-Run Cases A hit-and-run occurs when a rider causes an accident and leaves without reporting or helping. This is one of the most serious offences, often leading to severe legal consequences. Criminal charges.
Denial of insurance coverage.
Permanent impact on premiums.
License Suspension or Disqualification Insurance companies view a rider's license as extremely high-risk if they have been suspended or revoked due to a serious traffic violation. License suspensions often occur due to repeated offences or major violations. Extremely high-risk classification.
Policy cancellation
Difficulty obtaining future insurance.

Minor Offences and Their Impact on Bike Insurance

Even minor traffic violations can result in increased bike insurance costs. While they don't pose the same high level of danger as major offences, minor violations can still have your insurance premiums hiked. Here are some common minor offences that affect bike insurance:

Minor Offence  Description Impact on Insurance Premiums
Speeding Tickets Speeding is a common moving offence. Motorcyclists found speeding over the limit, even slightly, will be fined and charged demerit points on their driver's license. A single charge for speeding will not significantly affect insurance, but several will raise premiums. Higher premiums.
Potential branding as a high-risk rider, resulting in more expensive insurance premiums.
License suspension risk.
Running Red Lights Disregarding traffic lights, including running red lights, is severe and can cause accidents. Premium increase.
Higher chances of claim rejection.
Additional penalties.
Using a Mobile Phone While Riding Using a phone while riding is increasingly problematic as it distracts the rider and raises accident risks. Many places have strict laws against using handheld devices while driving. Potential classification as reckless riding.
Claim denial risk.
Parking Violations Parking violations, such as parking in no-parking zones, are not significant infractions but can still indicate irresponsible behaviour. Insurers may take notice if there are too many. Minimal impact for occasional violations.
Negative impact on driving record.
Possible premium adjustments.

How to Obtain Bike Insurance After a Conviction?

Compare Insurers

Specialised Providers

Opt for Third-Party Policy

Consider Telematics Insurance

Disclose Convictions

Various insurers see risk differently. Some will give a reasonable quote, while others will charge more or refuse coverage. Comparing more than one company allows for greater value and less expensive policies.
Some providers specialise in high-risk riders. They offer policies that suit your requirements and can provide lower premiums. Good riding behaviour will lead to better assessments and lower costs.
Choose third-party coverage if you are the type to purchase excess insurance. It won't repair your bike, but it will repair damage caused to others. It is the bare minimum accepted by Indian law and is easier for high-risk drivers to get.
Telematics insurance uses GPS or smartphone apps to track riding habits. The collected data influences premium amounts, potentially lowering costs for safe riders. This ensures fair pricing based on real riding behaviour.
Hiding convictions can lead to policy cancellations or claim denials. Full disclosure prevents legal issues and ensures claims are approved. Honesty helps secure long-term, reliable insurance coverage.
Importance of Maintaining Continuous Bike Insurance Coverage

Importance of Maintaining Continuous Bike Insurance Coverage

While there is a gap in coverage, getting additional coverage becomes more difficult and expensive. Having an insurance policy, regardless of how expensive the premiums are, continuously shows responsibility for the long term and may adjust to having favourable, lower rates. 

In addition, no violations and record improvement enable insurers to view you as less of a risk.

  • Gaps in coverage make insurers see you as unreliable. This can lead to rejections or higher premiums when you apply for a new policy.
  • No matter the reason, insurers may label you as a high-risk rider. This often results in much higher insurance costs.
  • Riding without insurance is illegal in many places. Keeping your coverage active helps avoid fines, penalties, or legal trouble.
  • A clean insurance history and a good riding record improve your chances of getting better rates and policy options.

Tips for Reducing Bike Insurance Premiums Post-Conviction

While bikers with a criminal record are charged the most for insurance premiums, there are many ways in which they can cut down these premiums.

Take Defensive Riding Courses

Take Defensive Riding Courses

Most insurers discount riders who take certified defensive riding courses. These courses improve your road sense, hazard perception, and riding skills.

Increase Voluntary Deductibles

Increase Voluntary Deductibles

A deductible is the value of the claim you pay before your insurance pays the rest. You can raise your voluntary deductible, thus reducing your premium charges significantly.

Improve Credit Score

Improve Credit Score

Some insurers check your credit score when deciding your insurance premium. A good credit score shows you are responsible. It can help you get lower insurance rates.

Maintain Clean Driving Record

Maintain Clean Driving Record

Your driving behaviour will determine Future insurance premiums after a conviction. Avoid subsequent offences to prove to insurers that you are not as big a risk. This will reduce your premiums in the long run.

Choose Low-Risk Bike

Choose Low-Risk Bike

Your bike model significantly influences insurance costs. High-performance motorcycles usually have higher premiums. They are also more likely to be stolen, damaged, or involved in accidents.

Consider Telematics Insurance

Consider Telematics Insurance

Some insurers offer policies based on telematics, which are also referred to as "pay-as-you-ride" insurance. Premiums are calculated based on actual on-road driving behaviour.

Compare Insurers

Compare Insurers

Not all insurers are created equal when it comes to dealing with convictions. Certain insurers cover high-risk riders and provide more favourable rates than traditional insurers.

FAQs about Bike Insurance for Convicted Riders

Manasvi Gupta

Written By:

Manasvi Gupta

Manasvi Gupta

Manasvi Gupta

Content Writer

Storyteller at heart, Manasvi brings 4 years of content and marketing experience to Digit. Whether it's writing SEO-optimised articles or a researched and insightful blog, she strives to transform ideas into creating impactful and engaging content.

mayur-black-white-test

Reviewed By:

Mayur Kacholiya

mayur-black-white-test

Mayur Kacholiya

Product Head - Motor

Mayur specializes in motor insurance and is responsible for overseeing the development and management of motor insurance products. With expertise in product strategy and market analysis, he focuses on developing customer-centric insurance solutions.

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