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How Is Bike Insurance Different From Car Insurance?

Published On Aug 24, 2022

How Is Bike Insurance Different From Car Insurance?

Motorcycle insurance is a vehicle insurance that pays for costs associated with damages to your vehicle or to someone else's vehicle as a result of accidents, etc. To protect yourself against the expense of third-party responsibility, you must carry third-party motorbike insurance, as required by the Motor Vehicle Act.

It also implies that the insurer will pay the third-party's responsibility costs if there is damage to property to that party. The premium you pay for a motorbike insurance coverage is, in actuality, far less than the entire amount protected. Additionally, operating a motorbike is riskier than operating a car. The person operating the motorcycle is at greater risk than the person driving the car. To find out how bike insurance is different from car insurance, read on.

How Is Bike Insurance Different From Car Insurance?

What Are The Differences Between Bike Insurance And Car Insurance?

Many individuals believe that bike insurance functions in a similar manner as car insurance. Although the core functions of both types of coverage and the claims procedure is essentially the same, there are significant distinctions that one should be aware of.

Following are some of the differences between bike insurance and car insurance -

1. Costs - Compared to a car, a motorbike is substantially cheaper. However, motorbike insurance is typically more expensive. This is due to the greater likelihood of accidents and subsequent claims for motorcycle riders. In a car collision, a driver is more likely to be hurt and to die than a motorbike rider. The good thing is that if you have a cheap motorbike, a clean driving record, and do not ride a sportbike, the cost of coverage decreases.

2. Protection - Motorcycles provide relatively little physical protection, and in an accident, riders are frequently flung off the motorcycle. This indicates that they have a substantially higher risk of suffering a major injury than passengers in a different vehicle. Both drivers and riders have access to personal injury protection (PIP), an optional kind of insurance, but motorcycle owners should prioritise getting it since they are more likely to sustain injuries.

3. Coverage - As long as you purchase coverage above only basic liability, passengers are automatically covered by vehicle insurance in the event of an accident. Because motorcycles are typically thought of as a single-person mode of transportation, motorcycle insurance is different. Injuries to passengers can be covered by guest passenger liability insurance, however it often only applies if you are not at fault for the injuries. Another choice that covers injuries without regard to blame is medical costs coverage.

4. Laid Up Insurance - When your motorbike is stowed throughout the winter, insurance providers are aware that there is no possibility of a motorcycle accident. Many insurers provide lay up insurance, which protects you against hazards like fire and theft while your vehicle is being stored for the winter. Although laid up coverage lowers your yearly motorcycle insurance premiums, it leaves you unprotected if you ride your motorbike during this time and are involved in an accident.

5. Add-Ons - Motorcycle insurance may be tailored with a variety of special add-on coverage options. Motorcyclists may choose between conventional add-ons like transportation trailer coverage and coverage for specialised components, accessories, and gear like chrome and saddlebags in addition to the common add-ons that drivers can choose from such roadside assistance.

Therefore, as noted from the above points there are many types of auto insurance that exist. Although motorcycle coverage and car insurance draw many similarities, you should not confuse them for one another. If you have confused one for another, then you should check-in the insurance that you currently hold.


Therefore, the cost of insurance varies depending on the kind of vehicle you own. Despite the fact that motorcycle insurance has many traits with that of car insurance policies, don't assume they are interchangeable. Prior to purchasing, always thoroughly review the terms and conditions of your insurance.

Also read: Is Bike Insurance Compulsory For 5 Years?

Penalties Imposed For Riding A Motorcycle Without Insurance


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
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