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If you have been recently convicted for committing any traffic offence, you may be wondering if it would have any impact on your insurance, right? Well, fortunately, you can stillget bike insurance or renew it, provided you meet certain terms and conditions.

Bike insurance convicted drivers

As a bike owner, you would know that as per Motor Vehicles Act, 1988, it is mandatory for all bike owners in India to have at least a third-party liability insurance cover. But it is always better to have comprehensive insurance as it allows you to get wider coverage and better financial protection if you get involved in an accident.

When it comes to buying two-wheeler insurance in India, minor offences do not have any significant impact on your insurance profile. However, if you commit any major offence, you may face issues while buying a new policy or renewing your existing one.

Below are the major offences that could affect your chances of getting bike insurance

Driving in an intoxicated state

Driving under the influence of alcohol, drugs or any other intoxicating substances that could affect your critical thinking is a major traffic offence. Under Section 185 of the Motor Vehicles Act, it is a criminal act to drive under the influence of these substances.

Hit and Run

After an accident, the driver is obliged to report the incident and help the injured. If you don’t do this, it would be considered an offence, and you may face the risk of ‘hit and run’ case filed against you. It is a serious offence and you have to face the legal repercussions.

Driving without a valid licence

According to the Motor Vehicles Act, driving without a valid licence is a serious offence, and you may have to face imprisonment or pay a hefty fine or face both.

Avoiding the police

When the police arrive at the accident scene to investigate the incident and if you try to evade facing the officials at the time, it is considered a serious offence.

Now that you are aware of the various offences, let us look at how you can get bike insurance as a convicted driver.

Depending on the circumstances, and the type of offence you have committed like drink and drive, driving at a speed exceeding the limit, speaking on phone while driving, your licence may get revoked. Without a valid licence, you may not be able to purchase or renew your bike insurance policy. If you are facing any difficulty, he following tips may come handy in getting bike insurance:

Contact the insurance company directly

If you don’t find any suitable bike insurance online, you can call the insurer directly, explain your situation, and they may be able to help you get a bike insurance policy.

Buy a low-cost bike

The insurance companies consider the bike engine’s CC or cubic capacity as one of the important factors while determining the premium. The expensive or sports bikes usually have a higher CC engine, and their spare parts are also quite expensive.

As a convicted driver, you may already be at risk of having a higher premium than others, and if you buy an expensive bike, the premium could be even higher and unaffordable. So, it is better to buy a low-cost bike so that premium is affordable.

Final Word

Bike insurance is vital to protect yourself and others. Besides, it helps you be on the right of the law and get financial protection against accidental damages. You can consider buying the Kotak Long Term Two-Wheeler Secure policy from Kotak General Insurance that offers  several features and benefits and also gives enhanced protection to your vehicle.

Disclaimer: The content provided is for education and informational purpose only, none of the information contained in our blog amounts to any form of opinion or advice. Please go through policy related documents carefully or consult an expert before making any insurance-related decisions.


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