Renew Bike Insurance in Bhopal

Irresponsible Driving

Bhopal traffic statistics also state that a major reason for accidents in the city is due to drunk driving and rash driving. In 2018 alone, 3,508 accidents were reported in the city of which 3,001 people were injured. In addition, illegal parking of autos, illegal overloaded autos in encroached areas and heavy trucks plying during day time also cause accidents.

Frequent Road Accidents

In 2018, Bhopal recorded one accident every 25 minutes, with every ninth being fatal. Fatalities rose by 30%, totaling over 327 deaths. Key causes included lane encroachments, illegal parking, and poor road conditions. To avoid financial stress from hospitalisation, ensure you have two-wheeler insurance with PA cover or a reliable health policy.

Accident-Prone Area

According to Bhopal traffic police, 9 black spots (accident-prone areas) have been marked within the city including commercial hub MP Nagar, posh and residential areas like Hoshangabad Road, Habibganj, TT Nagar, Bag Sewania, among others.

Unplanned Road Infrastructure

The city’s layout was adapted to handle current population levels, with roads widened for increased traffic. However, experts have identified geometric flaws in road design that raise accident risks. Additionally, roads built in rural and outer city areas lack infrastructure and safety features. Many of these roads connect abruptly to highways, increasing the chances of collisions with fast-moving vehicles.

Accidents

Damages and losses that may arise due to an accident or collision.

Theft

Covers for your losses in case your two-wheeler is unfortunately stolen!

Fire

Damages and losses to your two-wheeler in case of an accidental fire!

Natural Disasters

Damages caused to your two-wheeler due to nature’s many furies, such as due to floods, cyclones, etc.

Personal Accident

Covers for your expenses in cases where you’ve hurt yourself too bad!

Third-Party Losses

When a person, a vehicle or a property is hurt or damaged due to your bike's actions.

Own Damages for Third-Party Policy holder

In the case of a Third-Party Bike Policy, damages to own vehicle won’t be covered.

Drunk Riding or without a Licence

Situations where you were riding drunk or without a valid two-wheeler licence won't be covered.

Add-Ons Not Bought

Some situations are covered in add-ons. If you haven’t bought those, the corresponding situations will not be covered.

Contributory Negligences

Any contributory negligence (e.g. driving in flood) won't be covered.

Consequential Damages

Any damage which is not a direct result of the accident will not be covered.

Driving without a valid Driving Licence Holder

If you hold a learner’s licence and were riding without a valid licence-holder then your claim won’t be covered.