Renew Bike Insurance in Ludhiana

Accident-Prone Area

Ludhiana has been marked with a high propensity to road crashes and deaths. Reports placed Ludhiana at number one position in the severity of accidents with a fatality rate of 69.9% driven by rash driving, drunk driving and have marked over 49 “black points” in the city to deal with the problem of the high rate of fatal accidents.

Irresponsible Management

Ludhiana embarks immense pollution due to crop stubble burning that leads to immense pollution and dust accumulation. Further, minimal traffic adherences, no strict guidelines and absence of proper actions towards traffic violators have increased irresponsible driving manifolds. According to Punjab Traffic Advisor, two-wheelers are involved in 75% of road accidents in the city. 

Being the Business Hub

Ludhiana is known to be the business hub and has also witnessed the increased movement of heavy vehicles both on highways and city roads. Consequently, the city reported a total of 674 road accidents in 2018 according to MORTH reports, out of which 427 were fatal and 265 reported several injuries. Also, the movement of tractor trolleys increases in harvesting seasons leading to accidents.

Theft

According to Punjab police, the major reason for increased vehicle theft is the lack of proper parking spaces near academic institutions as the two-wheelers owned by students are the major targets. 

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.