Love biking in winter? Get bike insurance now!

Posted on: Feb 10, 2022 | | Written by:

Love biking in winter? Get bike insurance now!

Published on February 9, 2022. EST READ TIME: 3 minutes

India is primarily a hot country, which is why bikers look forward to winter months when the weather gets pleasantly cold and comfortable, especially for long trips. But fog, slippery roads, and even snow can pose risks to your bike rides during this time. Essentially, the risk of accidents goes up. The good news is that a bike insurance policy can help you prepare for such uncertain events. If you take a comprehensive plan, it will financially protect you against calamities, fires and theft too. So, read on to know about the 7 reasons why you need bike insurance for winter months (and the rest of the year too).

1. Insurance is required by the law:

As per the Motor Vehicles Act, a two-wheeler can only be driven on public road if the same has been insured with a valid third-party cover insurance. This is meant to reduce the liability of the bike owner which may arise due to damage to life, limb or property to other people. The third-party damages can be pronounced after a legal process by the Motor Accidents Claims Tribunal. It is important to note that third party insurance prices are regulated by the government through the IRDAI. This means you can buy it from any IRDAI approved insurance company, and the price and protection will be same in every case.

2. Winter weather can be unpredictable:

While most people realise that winter weather can cause a lot of problems to bike riders, they tend to take it lightly and often ignore it completely. Two main winter weather problems for bike riders are fog and dew on the roads. Fog is a major problem because it reduces the visibility on road for all road users. When you are riding the bike and fog sets in, you may not be able to see where the road turns and might end up running your bike off road, causing damage to it. Then there is the problem of dew setting on the road, making it wet and slippery. All these can cause accidents and thus require insurance.

3. Accidents do happen:

While riding a bike, you need to be mindful of other people on the road. Only constant awareness and full road attentiveness can ensure minimal accidents, but even the best of drivers have had road accidents. As said earlier, fog during winters reduces visibility to a considerable extent. This leads to a lot of accidents. With comprehensive bike insurance policy though, you will be able cover the damage caused in an accident.

4. Nature can be unpredictable:

Natural calamities have always been a key concern for bike owners. Floods, landslides, earthquakes, mudslides, cloud bursts, intense hailstorms, tornados, cyclones, severe snowstorms etc. are some kinds of natural calamities that can cause damage to your bike. And some of these disasters are more likely to happen in winter. All these can cause damage to your bike, and in some cases, your vehicle might need to be repaired. That is when your bike insurance will come in handy.

5. Bike thefts are a concern across the country:

Bike theft has always been a big problem in India. And in winters, when days are short and nights are long, thieves get a better chance to steal your vehicle. Also remember that fewer people venture outside during late hours in winter, which reduces the community lookout and protection as well. However, with bike insurance, you can expect some respite in the form of monetary compensation.

6. You need personal accident cover while travelling:

Good medical care is not cheap in India and if you suffer an accident, you will need the best healthcare possible, no matter how expensive it is. This is the reason why the IRDAI has mandate a personal accident cover of Rs 15 lakhs for every person who gets insurance for a car or bike. If you are someone who owns multiple vehicles, you only need to get this once with only one of your vehicles. This money is meant to meet your treatment expenses.

7. People can be unpredictable:

Riots, strikes and arson are some manmade problems that bike insurance can protect you against. While not directly related to winters, these problems can occur at any time, and if you are unlucky, the damage can be severe. With bike insurance, you will get protection for you bike repair costs if such a problem occurs.

All in all, bike insurance is a must-have if you want to protect your finances in case of an unforeseen event. And winters just make it extra crucial to have such insurance, since the weather and road conditions are unpredictable, and the chances of vehicle theft go up. So, get insurance today and enjoy peace of mind while you make the most of the cold season.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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