Bike Insurance in Varanasi

Lack of Proper Infrastructure

The city witnesses huge traffic congestion on its main roads, narrow by-lanes and even the most congested passages despite the huge investment promises made by the central government. Fifteen road projects, terminal construction, Kashi-Vishwanath corridor, among others are just moving on surface-level with no actual developments.

Miserable Traffic Management

The city lacks proper traffic management at most of the junctions due to the absence of traffic police and road signals. No one wants to compromise on a clear traffic movement or withdrawal to let anyone pass. Secondly, because there is no systematic movement, the chaos increases multitude with the passage of time and grows longer causing huge traffic jams.

Increasing Commercialization

Varanasi is an industrial hub for textiles, perfumes, and sculptures and is fairly active in its operations. However, increased commercialization over recent years has witnessed a rising number of heavy vehicle movements within the city, which increases the chances of accidents manifold, even in close proximity.

There is Absolutely No Escape

Because of the high population density of Varanasi and the increasing number of tourists, there is a huge problem of pollution and pressures on infrastructure in the city. Varanasi was never meant to handle so much traffic with its narrow lanes and by-lanes within the city. Increasing tourism, a rise in the purchase of cars and bikes, and commutation even on the dingiest roads cause congestion. 

Theft

Since the place is a tourist spot and the inflow is high, especially near the temples, colleges, famous eateries and Ganga banks (ghats), people here generally park vehicles on no parking areas and even on roads without proper safety. So theft has become common. 

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.