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Should you insure your bike even if it is seldom used?

Updated On Mar 20, 2021

If your bike is seldom used you may feel like you do not need to get it insured. Read on to know why it is recommended that you always purchase bike insurance, even if your bike is used sparingly.

Your bike, even if it is used rarely, is perhaps one of your most prized possessions. However, sometimes, it may not come in use often and it may be the case that your bike is used sparingly. For this reason, you may have considered opting out of taking up insurance for your motorbike or two wheeler as you may feel that it is unnecessary. However, for a host of reasons, it is recommended that you avail of a good insurance policy with the proper coverage for your bike. Read on to get all the information you need about why it is highly recommended that you insure your bike even if it is used rarely.

Should you insure your bike even if it is seldom used?

Reasons Why You Should Have Bike Insurance Even If Your Bike Is Seldom In Use

The following are the reasons you should avail of a bike insurance policy even if your bike is used sparingly.

1. Legal Obligation

It is illegal in India to ride your two wheeler on Indian roads without proper insurance. It is mandatory by law to have at least third party insurance. Therefore, by not availing of insurance, you would be breaking the law. Even if your bike is seldom used, it is important to have it insured for the instances when it is used.

2. Theft and Accident Protection

Taking your bike out rarely will not protect you from accidents. When these do happen, it is important to have insurance coverage to cushion the financial damage that occurs as a consequence of accidents on the road. These can happen no matter how careful and cautious you are and thus it is best to be prepared with an appropriate insurance policy. Further, your bike could get stolen and if you purchase comprehensive bike insurance you would be covered in such a situation.

3. Better Resale Value

If your bike is not regularly used, the chances are that you will consider selling it at some point. Especially if it is less used, it is likely to sell well. However, the outcomes will be even better if it is shown that the bike is insured in addition to being seldom in use, and thus availing of insurance will be beneficial for you.

4. No Claim Bonus

By continuing to keep your bike insured, you can keep accumulating no claim bonus. This is a discount offered at the time of renewal if there are no claims raised on the vehicle during the policy tenure. Thus, you will get a discount on subsequent premiums, especially as you are less likely to raise a claim on a seldom used bike.


For these reasons, it is absolutely in your interest to ensure that your bike is always covered by an insurance policy that is up to date. You can select a coverage that is suitable for you, and make sure you compare online and pick the policy that best suits your needs and preferences.

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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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