Motorbike Insurance for Convicted Drivers in India 

Major Offences by Bike Riders

Below we have discussed major potential offenses and their penalties-

1. Driving Under the Influence of Alcohol-According to Section 185 of the Motor Vehicle Act 2019, it is a criminal offense to drive under the influence of any intoxicating substance like alcohol or drugs. In India, for the first offense, one might end up in prison for 6 months and/or pay a fine of up to Rs 10,000. And for the second time, they can face imprisonment for up to 2 years and/or a fine of Rs 15,000. In the case of repeat offenders, they may end up losing their driving license. 

2. Hit and Run Case-If individual hits another vehicle while driving and then run away from the place of the accident, It is considered a criminal offense and civil responsibility of a driver to immediately report a road mishap and seek medical help. As these cases have increased in India, it has become another serious conviction, and this is even more intense if the third party is injured miserably or leads to fatal death.

3. Escaping from police-Escaping from the police after the incident is considered to be an offense in India. The local police keep an eye to investigate and take action if you contribute to an accident during which any third person is killed or injured or suffers severe damage to their property. This matter becomes a conviction for an insurer to provide coverage for the driver. 

Therefore, keeping all the major offenses in mind, all the drivers need to maintain a clean and safe driving history.

Minor Offences by Bike Riders

Keep this in mind that even minor offenses can lead to a huge effect on insurance premium rates, for example- driving with under-inflated tyres, not having working brakes, cracked windscreen, etc. Sometimes these small mistakes by the drivers can lead them to big trouble.

How to Get Affordable Motorbike Insurance for Convicted Riders?

In India, it is compulsory to have at least bike insurance for third-party liabilities. It is a type of cover that protects the policyholder against damages or losses to the third-party life or property during an accident. 

Below we have discussed a few points to avail affordable insurance for convicted bike riders-

1. Search Dedicatedly

You cannot just accept the first quote you receive from the insurer on the internet. We suggest you search for different motorbike insurance online, compare several quotes and seal the best deal for you. Browsing several motorbike insurances online will allow you to understand the ideal price. Also, connect with their executive, they will explain to you the pros and cons of a single policy. This is a popular tip if you are looking for bike insurance for convicted riders, as you are declared to be a part of a high-risk group.

2. Focus on Bike Security 

If you are a convicted driver, we suggest you increase the security of your vehicle. The more secure your bike is; your insurer will have more confidence in you as it's less likely to get stolen or damaged. Make sure you invest in anti-theft devices to secure your bike. Try every measure to protect your bike, whether you are driving it regularly, or not.

3. Lowering the Mileage 

Many of you might not be aware of the fact that lowering the mileage of your bike each year leads to cutting down the premium. The less you run the bike, the less risk you pose, thus it influences the insurer's decision. 

4. Bike Type 

More expensive or sports bikes are likely to cost more premium because fixing them or replacing them involves huge expenses. Try to choose less powerful bikes over higher engine capacity, as they attract lower premiums.

5. Join Riding Classes 

As a convicted driver, it is advised to join a driving school, this will lower the premium. Consider taking advanced riding classes as it not only improves your skills but also creates goodwill in the eyes of the insurer and ultimately drops down the premium.

Importance of Motorbike Insurance for Convicted Riders

Whether you are a convicted rider or not, never run a bike without the right insurance policy. It is also illegal to ride bike without insurance.

In any event, including accident offense, careless driving, disqualified driving, drunk driving, or any license offense, your insurance premiums are likely to rise. But some insurers offer schemes to cover drivers with most of the above-mentioned basic convictions depending upon the penalties points.

Final Thoughts 

Motorbike insurance is an essential element to protect the driver and the other people on the road. Although, get bike insurance is bit complicated process for convicted or disqualified drivers. To be safe and be adhered to the law, at least have bike insurance for a third party.