Renew Bike Insurance in Kolkata

Heavy Commercialisation

Narrow lanes and poor road infrastructure in the commercial spaces of Kolkata, like Bara Bazaar, Esplanade, Bahu Bazaar, etc., are heavily encroached upon by illegal settlements, hawkers, and hand-pulled lorries. Movement of two-wheelers is complete mayhem in the city at any hour of the day or night. Theft is another problem due to lack of parking space.

Natural Calamities

Kolkata is a place for the landfall of most of the cyclones that are formed in the Bay of Bengal. According to past records, these cyclones can be very dangerous. And it is obvious that vehicles get damaged to great extents in such calamities. Often the city suffers from post-cyclonic floods. 

Uncontrollable Traffic

The city is both an educational and industrial hub and attracts mass immigrants from neighbouring states; the labour class forms encroachments and thereby further strangles the free commutation. The city witnessed 2,244 accidents in 2019 alone in which two-wheeler riders were at fault; at least 88 involved minor riders who led to the deaths of 46 people.

Dilapidating Infrastructure

Kolkata in the last few years marked several flyover crashes and other infrastructural damages due to poor construction management and red tape. 

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.