Bike Insurance in Bihar

Why is Bike Insurance Essential in Bihar?

Bihar reported a startling number of 3,098 traffic accidents between January and March 2025. Keeping these numbers in mind, it is important to safeguard yourself from potential road hazards when riding your two-wheeler in Bihar. Here's why a valid bike insurance policy is crucial in Bihar:

1. Traffic Congestion

   Many cities in Bihar struggle with narrow roads that cannot handle a massive number of vehicles. This results to severe traffic congestion and a high incidence of accidents. In Darbhanga, local authorities have stepped up by placing more traffic personnel in key spots to help ease the congestion.

2. Poor Weather Conditions

   During winter, Bihar experiences severe fog that reduces road visibility. As a result, there is a higher chance of road accidents despite slow vehicular movement. In December 2025, several accidents were reported on the Ara to Mohania and Patna to Mokama roads.

3. Over Speeding

   Bihar has one of the highest accident rates in the country, with over speeding and wrong-side driving being the main causes for these mishaps. It is also noted that most accidents occur during peak hours, signifying that motorists rush to reach their destination. Two-wheeler riders need to be extra vigilant, as around 27% of the road accident fatalities in 2025 were bike riders.

Finding the Right Bike Insurance Policy in Bihar

You must use these helpful tips to find the best bike insurance policy in Bihar:

1. Understand the Scope of Coverage

   When searching for a bike insurance policy, it’s crucial to compare the coverage options of different policies. This is crucial since your insurance policy needs to represent your motorcycle usage. A comprehensive bike insurance policy is the ideal choice for individuals who commute daily. If you don't ride your bike much, you can satisfy the legal requirement by selecting basic coverage options like an own-damage bike insurance policy.

2. Evaluate your Coverage Needs

   Ideally, your insurance should match how you actually use your bike. If you use your two-wheeler daily, you need more coverage. If you ride occasionally, you must obtain at least a third-party bike insurance policy to comply with traffic rules.

3. Analyse Different Bike Insurance Policies

   To pick the best bike insurance policy, you need to understand the scope of coverage, pricing, and add-ons offered by different insurers. To gather this information, visit the websites of reliable insurance aggregators, such as Policybazaar.com.

4. Check the Number of Garages in the Insurer's Network

   Before signing up for a bike insurance policy, you must check which insurer has a good number of cashless garages in your city. This will help ensure that you receive quicker assistance in emergencies, such as an accident or a sudden vehicle breakdown.

5. Look into the Insurer's Claim Settlement Ratio (CSR)

   A claim settlement ratio reveals the number of claims the insurer accepted and the number it declined. Knowing this information will help you select an insurer that has the highest claim approval rates.

How to Compare Bike Insurance Policies in Bihar?

• Identify the Add-ons You Require: Consider the additional coverage options you want to add to your bike insurance policy. Now, you must search for which insurance providers offer the specific add-ons you want.
• Review the Pricing: Compare the premiums, cost of add-ons, and No Claim Bonus (NCB) of different policies to find the best fit for your needs. Doing this will give you a better understanding of the overall cost of the policy and help you pinpoint which insurance provider gives you the best coverage that fits your budget.
• Check the Insurer's Reputation: Visit online forums to check the customer reviews of various insurers. This will also give you an idea about how good their after-sales service and customer support are.

Which Type of Bike Insurance Policy is Ideal in Bihar?

With Bihar facing a troubling rise in road accidents, it's a smart move to consider getting a comprehensive motorcycle insurance policy or an own-damage insurance plan. These policies provide protection against common risks, including theft of your bike, injuries, and damage from accidents, as well as other potential hazards.

If you think you might need extra coverage, you can easily add optional add-on covers for a little extra premium. Many two-wheeler owners like to include these add-ons:

• Personal Accident (PA) Cover: Policyholders and bike owners between the ages of 18 to 65, with a valid driving licence, must have this mandatory cover. All insurance providers offer this add-on with a coverage of up to Rs 15 lakhs.
• Return to Invoice Cover: In case your insured bike is stolen or totally damaged, your standard bike insurance policy will offer compensation based on your bike's Insured Declared Value (IDV). However, with this add-on, you will receive the original invoice amount that you paid when you bought your bike, including taxes and registration fees.
• Roadside Assistance Cover: This add-on ensures that you receive quick assistance within a specified time. Some services offered as part of this add-on include flat tyre changing, fuel delivery, towing assistance, and more.

How to Buy Bike Insurance Online in Bihar?

Step 1: Visit Policybazaar.com and tap the '2-Wheeler Insurance' icon.

Step 2: Put in your bike's RC number and click 'View Prices'. If you are buying a new two-wheeler, click 'Purchasing a New Bike?'

Step 3: Choose your two-wheeler's make, model, city, and RTO. Type your phone number and click 'Submit'.

Step 4: You will see various bike insurance policies on your screen. Compare the premium cost and coverage of each policy to select the one that meets your needs. You can also include optional add-ons at this point.

Step 5: Pick your policy and click 'Buy Now'. Please fill in the required details and complete the payment online.

Your Bihar bike insurance policy documents will be sent to your email.

Challan for Not Having a Valid Bike Insurance Policy in Bihar

Driving a two-wheeler without a valid insurance policy in Bihar is an offence as per the regulations of the Motor Vehicles Act, 1988. For first-time offenders, the penalty is ₹2,000 along with 3 months imprisonment/community service. However, if you are a repeat offender, you will be subject to a heavy traffic fine of ₹4,000 and a jail term/community service of 3 months.