Bike Insurance for Delivery Bikes in India

Road Risk Associated with Delivery Riders

In recent years, India followed a strict COVID-19 lockdown, due to which delivery workers for app-based services, such as food delivery or medicine delivery services, were recognised as essential services. During the lockdown, they worked hard to make people's work-from-home a sense of normalcy.

However, we have also heard many cases where delivery riders have lost control over their vehicle and crashed into another vehicle because they were overspeeding and riding recklessly.

In India, according to authorities' reports, on average, five accidents happen in a week due to the reckless driving habits of these delivery partners. Due to this, they are involved in hit-and-run cases. Additionally, there were cases when delivery drivers were getting caught because of drunk driving & parking vehicles in no-parking zones, and violating laws.

Apart from these points, they have vigorous competition with rival companies, and the deadline of 30 minutes delivery forces them to take this risk. Additionally, they have the arduous task of accomplishing their minimum daily target of delivering 17 orders, so they aim to do it as fast as possible.

Delivery riders often face higher risks on the road due to:

• Strict delivery deadlines and long working hours.
• Heavy traffic conditions in cities.
• Risky driving behaviour to meet targets.
• Parking in restricted zones or frequent stoppages.
• Extended vehicle usage throughout the day.

These factors increase the chances of accidents, traffic violations, and damage to the vehicle. Hence, two-wheeler insurance specifically suitable for delivery purposes becomes crucial.

Consequences of Not Having Bike Insurance for a Delivery Bike

Whether you are self-employed, deliver food from your restaurant, or even work in any food or grocery delivery company, you must buy bike insurance online.

Riding a delivery bike without insurance can lead to:

• Financial loss: You must pay for all repairs and third-party liabilities from your pocket.
• Legal penalties: Lead to a challan of ₹2,000/- and/or imprisonment under the Motor Vehicles Act, 1988
• Loss of licence: Repeated offences can threaten your driving privileges.
• No medical coverage in case of accidents: No medical costs will be covered, which may become a burden during such a crisis.

Why is Motorbike Insurance Necessary for Delivering Vehicles?

Are you planning to become a delivery driver? Well, make sure to have the correct type of two-wheeler insurance. Several bike insurance companies in India offer two types of covers, i.e., third-party bike insurance and comprehensive bike insurance, for protecting your vehicle and transporting goods, including fast foods, groceries, and other orders.

You can purchase motorbike insurance cover from many options online by comparing bike insurance at Policybazaar.com. Compare them based on robust coverage options, affordable premiums, after-sales services, high policy limits, and easy purchasing options.

Pros of Buying a Two-Wheeler Insurance Policy for Your Delivery Bike

Below, we have mentioned a few perks of having a two-wheeler insurance cover for your delivery bike:

• The comprehensive motorbike insurance for delivery drivers comes with an option to buy a variety of add-ons like roadside assistance, NCB protection, etc.
• A perfect choice for food delivery drivers who ride daily.
• It covers most of the geographical areas.
• Compare, choose, and buy third-party or comprehensive bike insurance cover online.
• Consider buying mandatory PA cover, which protects the owner/driver of the bike in case of injuries or sudden demise in a road accident. This add-on is available with all types of bike insurance policies.

Guide for Buying Two-Wheeler Insurance for Your Delivery Bike

Many bike insurance companies do not offer any coverage for the delivery bikes, as deliveries are made in the hustle and take more risks on the road. However, some insurance companies willingly provide motorbike insurance for these bikes at an affordable premium.

Below, we have discussed a few points to guide you in making a wise choice:

• Pricing: You get various quotes when searching for bike insurance online. So, you must compare them at Policybazaar.com and see which company can offer you more coverage at the lowest premium.

• Coverage: You must ensure that you get the right coverage in your policy, i.e. third-party bike insurance or a comprehensive bike insurance policy. This is a vital factor to keep in mind while comparing different policies.
• Insurance companies restrict some industries or particular businesses from providing coverage. So, ensure your type of delivery business is covered before buying your motorbike insurance.
• Geographical Restriction- Some insurers do not offer PAN India coverage. Therefore, you must consider this before buying a policy.

Comparison: Third-Party vs Comprehensive Insurance for Delivery Bikes

Here is a table showing the difference between third-party bike insurance and a comprehensive bike insurance policy to assist you in making a buying decision:

Drivers Who Are Eligible for Motorbike Insurance Cover?

Whether you are an employee of any online food delivery brand, a contracted driver for a local business, or you make deliveries on demand, you are eligible to buy motorbike insurance for your bike. However, under this, you might not be covered by the benefits of personal accident insurance. So, ask your insurer to get Personal Accident (PA) cover (a mandatory add-on cover) with your comprehensive bike insurance policy or third-party bike insurance policy to get ultimate protection.