Bike Insurance in Ghaziabad

Accident-Prone Area

Ghaziabad’s AQI hovers around 500, indicating severe pollution—mainly from traffic and farm fires in Haryana and Punjab (source: The Times of India). The resulting smog reduces visibility, especially at night and during rush hours, increasing accident risks. In one report, the city recorded 374 road accidents, with 151 fatalities.

Increased Commercialization

Ghaziabad’s narrow, poorly maintained roads see constant movement of heavy vehicles like trucks and lorries, increasing the risk of third-party accidents—even with speed bumps and strict traffic rules. Reports show that nearly 50% of accidents involve personal cars and two-wheelers, while heavy and light vehicles account for 20%.

Over-Congested Traffic

Ghaziabad faces bumper-to-bumper vehicular traffic in the city. In 2019, GDA has even instructed the Central Road Research Institute to plan for traffic movement in the city to surpass the traffic congestion to minimal.

Theft

As reported by Ghaziabad traffic police department analysis 2019; 3,334 vehicles were stolen between January to October in 2019; the maximum is by way of vehicle theft which is reported to be 760. These thefts are majorly supported by the scarcity of parking spaces near markets, offices and residential areas.

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.