Renew Bike Insurance in Surat

Heavy Commercialisation

Surat being an industrial hub, attracts mass movement of heavy vehicles all the year-round within the city, both on the narrow roads and on the highways. Commutation becomes even worse with the presence of poor worker/labour encroachments across industrial zones.

Climatic Drawbacks

Heavy rains in Surat, usually leads to flooding of the rivers, causing great damage to vehicle property and road infrastructure. Natural calamities like these can be lethal with an increased propensity for major accidents through collision, open manholes and potholes, etc.

Theft

The busy city thronging with vehicles makes it difficult for drivers to find a proper parking space. Often the lack of parking spaces forces drivers to park their vehicles in unsafe areas. Nicking a vehicle from these shady areas is a very easy task for the thieves. Two-wheelers general fall prey of unprotected parking spaces, irresponsible locking, etc. 

Poor Road Infrastructure

Lack of proper administration and investment in the development of road infrastructure have lead to severe adversities and fatal accidents within the city. In one of the recent accidents registered in Surat in Sept. 2019, two men on a bike died on the spot after their bike skidded over multiple potholes on NH-48. Gujarat, as a whole, registered 19,081 road accidents in 2017 of which 7,289 were fatal according to the report presented by Commissionerate of Gujarat.

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.