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Importance of Personal Accident Cover in Bike Insurance

Published On Jan 08, 2022, Updated On Feb 22, 2023

Know Why Personal Accident Coverage in Bike Insurance is Essential

India is the largest market for two-wheelers, according to a report. The domestic market accounts for over 85% of two-wheeler sales. It is required to acquire bike insurance while purchasing a bike. Because riding a bike is just as dangerous as driving a car, bike insurance coverage might come in useful and give financial assistance in the event of an accident. You never know when you'll be involved in an accident, and because bikes are the most convenient and economical method of transportation for the middle class, they account for the majority of road accidents. This is when bike insurance comes into play.

Importance of Personal Accident Cover in Bike Insurance

Personal Accident Coverage in Bike Insurance is Essential

A standard bike insurance coverage would cover damage to the vehicle, but what about you? There is a personal accident cover that you may add to your existing bike insurance policy if you experience an injury. So, what exactly is personal accident insurance? Let us explain.

Coverage for personal injuries

Nobody wants to be the victim of an unforeseeable accident that will cost them a lot of money in medical bills. A bike owner's insurance coverage protects him or her against both financial and personal losses. Because it only works for you, personal accident protection in bike insurance that you must add on to your existing policy separately becomes required. The personal accident cover is only supplied to the owner if he or she has a valid driver's license. If you do not have personal accident insurance, you may purchase it separately, but the premium cost will increase proportionally.

Personal Accident Insurance is Crucial

People in India are fully aware of the state of the roads and how horrible they are. When you're riding your bike through horrible traffic and people trying to get to their offices, you never know when you'll be involved in an accident that can do a lot of damage and result in serious injury. Let me give you an example: you're late for work and you're in a rush, so you decide to make up for lost time on the road by riding faster than normal. You come to a complete stop at a red light right behind the zebra crossing and twist the throttle as soon as the light turns green, only to be hit by a car that did not stop at the red light. Because the automobile was speeding, you suffered a catastrophic leg injury that left you disabled for the rest of your life. Although it is impossible to repair the limb as well as new, personal accident insurance can help you save a lot of money and give financial assistance for hospital expenses. Personal accident insurance is essential for instances like this that arise out of nowhere.

Take Away

When you buy a bike, make sure to get bike insurance coverage as soon as possible so that you can take advantage of the policy's features. Although having insurance coverage is required, if you are discovered driving without one, you may face a substantial fine from the traffic police. So, it's a good idea to be insured, and it's also a good idea to get an insurance policy online since you can learn more about the coverage, exclusions, perks, and other parts of the policy, plus it'll save you money because you won't have to pay an insurance agent's charge.

Also read - Top 3 Add-on Covers For Bike Insurance

Disclaimer: 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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