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What Your Bike Insurance Plan Does Not Include?

Updated On Jan 12, 2021

What Your Bike Insurance Plan Does Not Include?

Motorcycles are an increasingly common mode of transport for a variety of reasons, including their speedy and easily handleable nature. However, due to their small size, they are more prone to accidents than four-wheelers. For this reason, it is absolutely essential to purchase two wheeler insurance so that you are able to protect yourself financially in case of an accident or other mishap which causes damage to your two-wheeler. However, an insurance policy will not protect you in all situations. There will be some exclusions in your policy, during which situations you would not be covered by the insurance plan. It is important to know of these so that you have the correct information in the event that you try to file a claim.

What is excluded in motor insurance?

While every policy is different, here are some common situations that would be excluded from many bike insurance policies:

  • Speeding:- You would not be covered by bike insurance in the situation that you are speeding at the time of finding yourself in an accident.
  • Riding Somebody Else’s Bike:- If you are riding a bike that belongs to someone else, you would not be covered by insurance. Similarly, your bike insurance plan will not cover damages sustained by your bike if it has been lent to someone who is not covered in your bike insurance policy.
  • Value Reduction:- Two-wheeler insurance policies would not anticipate value reductions in your bike which have resulted from wear and tear, servicing, usage, or repair.
  • Key Loss:- If you lose your keys and this results in your bike being stolen, this situation would not be covered by bike insurance.
  • Electrical Or Mechanical Failure:- Most bike insurance policies would not cover damages due to electrical or mechanical failures in the bike.
  • Riding Without Valid License:- If you are riding without a valid license then the insurance company would not be responsible for any damages arising to you or your bike due to accidents or other situations that occur.
  • Riding Under Influence of Alcohol/Drugs:- Similarly, if you are riding your bike under the influence of drugs or alcohol, you will be unable to file a claim for a situation in which you are caught in an accident. It is your duty to always ride responsibly.

You May Also Like To Read:

Things Included and Excluded In Two wheeler Insurance

Two Wheeler Insurance Claim Rejection Reasons


The above mentioned are some of the situations in which your bike insurance policy would not financially protect you. Thus, it is important to always ride with responsibility and be careful to avoid such situations.

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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