Bike Insurance in Patna

Why Bike Insurance is Essential in Patna?

Patna is considered one of the best Indian cities to create a startup, due to the ease of business policies. This results in more people and vehicles visiting the state, contributing to increased traffic congestion. Some of the most crowded areas in Patna include Patna Junction, Gandhi Maidan Marg, and Boring Road Crossing.

While the infrastructure in Patna is improving, problems such as potholes during the monsoon, poorly maintained roads, and frequent traffic violations persist. Other issues include illegal encroachments, hawkers, and inadequate parking spaces. These issues urgently need people to follow good driving practices and take the right bike insurance policy.

These are the prominent reasons that make bike insurance in Patna essential:

1. High Number of Road Accidents

   According to the state transport secretary, the number of road accidents in Patna is on the rise, with an increase of 7% to 8% every year. Patna reported 1,063 accidents last year, which resulted in 750 deaths. There are over 262 black spots in the city, including Gandhi Setu, 45, Dhunki More, and Masaurhi More. It poses a significant risk factor for motorcyclists, making comprehensive bike insurance in Patna essential.

2. Strict Traffic Rules

   According to the Motor Vehicles Act, all vehicle owners are required to have third-party insurance for their vehicles. Those found violating this rule would be fined Rs. 2,000 for the first offence, and Rs. 4,000 for subsequent offences. In the worst-case scenario, it can also lead to imprisonment for up to 3 months. Riders must at least have a third-party bike insurance cover to avoid these repercussions.

3. Surge in Vehicle Sales

   According to the latest data available from the Transport Department of Bihar, Patna has also witnessed a surge in vehicle sales. Vehicle registrations saw a growth of 38.53% in the last five years, with 997,992 registrations in the financial year 2021-22 and 1,382,524 in 2024-25. This trend contributes to the rising city traffic, making riders more prone to accidents and stressing the importance of two-wheeler insurance coverage.

4. Traffic Violations

   The transport department of Bihar cancelled the driving licenses of 578 people between January and July 2025. During the same period, 900 vehicles were identified for cancellation of registration. It is essential to have a valid bike insurance policy to avoid the seizure of your vehicle and your driving license.

Finding the Right Bike Insurance Policy in Patna

Here are the factors to consider when choosing a bike insurance policy in Patna:

1. Understand Your Coverage Needs

   The first and foremost thing to consider when buying an insurance policy is to assess your coverage needs. The two types of coverage available are comprehensive bike insurance and third-party bike insurance. A third-party bike insurance policy covers only the liabilities to a third party. On the other hand, an extensive bike policy covers both a regular third-party plan and own damage due to accidents, theft, and other incidents.

   As Patna is a congested city with high accident rates, it is essential to purchase a comprehensive bike insurance policy that covers all financial costs associated with accidents.

2. Check the Claim Settlement Ratio (CSR)

   It is always preferable to opt for insurance providers with a higher Claim Settlement Ratio (CSR). It gives you the best possible chance of your insurance claim getting settled in a timely and convenient manner.

3. Compare Bike Insurance Plans Online

   Policybazaar.com is a trusted platform with an easy online bike insurance plan comparison. Check these steps to do so:

   • Enter the registration details of your bike (make, model, etc).
   • Check real-time quotations from several insurers for both types of coverage.
   • Compare add-ons, coverage, and premiums side by side.

4. Check the Availability of the Local Network Garage

   Check the number of cashless local network garages available in key localities, such as Boring Road, Bailey Road, and Patliputra Colony, for immediate assistance when needed.

5. Choose Required Add-ons

   These are some of the additional bike insurance add-ons for your peace of mind:

   • Zero Depreciation Cover: You will get a full claim amount for the replacement/repair of parts specified in your policy.
   • Roadside Assistance Cover (RSA): It is helpful in cases of vehicle breakdown on the road.
   • Passenger Cover: It provides insurance coverage to the pillion rider in the event of an accident.

6. Properly Read the T&Cs

   Check all the terms and conditions of your policy, with a special focus on the following:

   • NCB (No Claim Bonus) eligibility
   • Voluntary/excess deductibles
   • Inclusions and exclusions
   • Customer reviews

How to Compare Bike Insurance Policies in Patna

You must keep the following things in mind when comparing different bike insurance policies in Patna:

1. Finding the Right Deal: While price is a crucial factor, it should not be the sole guiding factor in your decision. Always consider how prone your two vehicles are to accidents, theft, or other similar incidents to determine the right coverage for your vehicles.
2. Ensure the Right IDV: IDV is the claim amount you get in case of complete loss of a vehicle. Considering Patna has several black spots and thefts occur frequently in the city, choose an amount that reflects the fair market value of your bike.
3. Choose Relevant Add-ons: As Patna has several prone to accident areas, select a policy that offers add-on covers like:
   • Consumables cover
   • Roadside assistance
   • Zero dep cover

Which Type of Bike Insurance Coverage Will be Ideal in Patna?

As per the IRDAI rules, a third-party bike insurance coverage is required for all motorised vehicles in India. However, considering the high accident rates, bike thefts, and other factors, it is advisable to buy a comprehensive two-wheeler insurance policy for your bike.

A comprehensive bike insurance policy protects your bike against:

• Accidents
• Fire and natural disasters
• Theft, etc.

To ensure pillion safety as well, it is advisable to purchase a pillion rider cover with your base policy.

How to Buy Bike Insurance Online in Patna?

These are the steps if you are considering a purchase of bike insurance online in Patna:

Step 1: Go to the official website of Policybazaar Insurance Private Limited and tap on the 'Bike Insurance' tab.

Step 2: Select the 'Buying a New Bike?' option to buy a policy for a new bike. Now, enter the registration number of your two-wheeler to proceed.

Step 3: Select 'Patna' as your city and provide additional details about your vehicle.

Step 4: Select a plan with adequate coverage and one that suits your budget needs. The plan can also be customised as per your requirements.

Step 5: Pay the premium online using one of the given payment modes.

Step 6: The bike insurance document will be emailed to you once payment is completed.

Challan for Not Having Bike Insurance in Patna

If you are found riding a bike without its insurance policy in Patna, you may be charged a penalty of ₹2,000 for the first offence. Subsequent offences draw a larger fine of ₹ 4,000.

FAQs on Bike Insurance in Patna