Renew Bike Insurance in Mumbai

Better Living. More Vehicles. More Pollution

Over two decades, private vehicles’ road share in Mumbai rose from 59% to 77%, with two-wheelers making up 28.4% of traffic. A 20.3% spike in two-wheeler sales in 2018—driven by rising purchasing power and easy EMI options—has worsened bumper-to-bumper traffic and air pollution. Mumbai has now overtaken Delhi in pollution levels, earning the nickname “city of smoke.”

Charm of Mumbai & Its Fallbacks

Mumbai, a city full of opportunities, attracts migrants seeking a better life. This growing population leads to illegal settlements—even on footpaths—causing traffic congestion and raising accident risks. In 2017, the city recorded 3,160 road accidents, with 467 fatalities and 2,603 serious injuries.

Most Congested

According to a recent study, the average time of traffic congestion in Mumbai increased by 65% during peak hours with a congestion rate of 95%. It is also now considered the most congested cities in the world, largely due to lack of any mass transportation behaviour. 

Theft

Mumbai turns into an open river during monsoon causing grave damage to vehicles. Quite a few of the vehicles are robbed and stolen due to parking issues and majority are completely damaged post the rains. The engine is the worst affected due to percolation of water into them.

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.