Bike Insurance in Kerala

Why is Bike Insurance Essential in Kerala?

Many factors make two-wheeler insurance a must-have in Kerala. Here are some crucial ones:

1. Protection Against Unexpected Events

   Unexpected events like theft, accidents, or natural calamities, can occur without warning. A bike insurance policy in Kerala ensures that you don’t have to bear the financial burden alone when such events occur.

2. Protects you from Sudden Expenses

   If your bike is stolen, you will need to find a replacement, and if it is damaged in an accident, you will have to bear the repair costs. But if you have a bike insurance policy, your insurance provider will offer financial compensation in these cases.

3. Traffic Rules

   In India, every vehicle on the road is required to have a valid insurance policy as per motor vehicle laws. In Kerala, you could receive a penalty for riding your two-wheeler without insurance.

Finding the Right Bike Insurance Policy in Kerala

Insurance companies offer a range of bike insurance plans. To find a policy that meets your coverage needs, use these tips:

1. Compare Policies Online

   Visit the websites of different bike insurance providers to find out what add-ons they offer, how much their premiums are, and what types of coverage they provide.

2. Know What the Policy Covers

   Read the policy terms to find out what is and isn't covered. You will know how much your policy covers.

3. Know What You Need

   To get the right policy, you need to know what kind of coverage you need. You can get a comprehensive plan that protects you from a lot of risks, or you can get a third-party policy that only covers a few specific things.

How to Compare Bike Insurance Policies in Kerala?

The easiest way to find a bike insurance policy that meets your needs is to compare policies from different insurers. Here’s how you should compare two-wheeler policies:

1. Understand the Policy Terms: To find out what your bike insurance doesn't cover, read the policy terms. This will help you figure out what risks are covered and what are not.
2. Look into Service Quality: Choose a company that has a good network of service garages and provides quick customer support. This can make things easier when you need help in an emergency.
3. Use Online Comparison Tools: Go to the websites of insurance aggregators like Policybazaar.com to see how different insurance companies offer in terms of coverage, premiums, add-ons, etc.

What Type of Bike Insurance Coverage is Ideal in Kerala?

As Kerala gets a lot of rain and is prone to occasional flooding, it is a good idea to get a comprehensive two-wheeler policy. It will provide the insured with sufficient compensation in case of damage caused by natural disasters.

How to Buy Bike Insurance Online in Kerala?

Use the steps listed below to buy your bike insurance online in Kerala:

Step 1: Visit Policybazaar.com

On the homepage, navigate to the 'Two-wheeler Insurance' icon and click it.

Step 2: Select the Required Options

Put in your bike number and click 'View Prices'. If you are buying a new bike, click 'Buying a new bike?'.

Step 3: Give Essential Details

Select the required details, such as your RTO, city, two-wheeler make, model, and variant. Type in your mobile number and click 'Submit'.

Step 4: Select your Policy

Look at the different bike insurance policies that various providers offer. Choose one that fits your budget and meets your coverage needs. At this point, you can also add optional extras.

Step 5: Pay Online

Click 'Buy Now', fill out the required information and pay the insurance premium online.

You will receive your policy documents in your email.

Challan for not having a Bike Insurance Policy in Kerala

If you are caught riding a two-wheeler without valid insurance in Kerala, you may be fined ₹2,000 and face imprisonment for up to three months. For repeat offenders, the penalty is ₹4,000 along with a three-month jail term.