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Bike Insurance in Hyderabad

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Bike Insurance in Hyderabad

Home / Two-wheeler Insurance / Two-wheeler Insurance Hyderabad

Motorcycles, scooters and mopeds are the go-to vehicles for the people of Hyderabad. Over the years, there has been a rise in the number of two-wheelers in the city, which can be attributed to inconvenient public transportation, preference for owning an affordable vehicle, and the availability of fuel-efficient bikes, among other reasons.

However, more bikes on the road can lead to frequent road accidents. This is where buying wide-ranging two-wheeler insurance in Hyderabad can be helpful for you. Read ahead to know more about how you can buy two-wheeler insurance online easily in the city of pearls.

Bike insurance plans in Hyderabad
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We offer different types of bike insurance policies in Hyderabad based on your requirements. Go through the following section and choose the best-suited insurance cover for your two-wheeler.

1. Third-party Insurance
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If you are driving a two-wheeler in Hyderabad, you must insure your vehicle at least with the mandatory 3rd Party Bike Insurance Policy as per The Motor Vehicles Act, 1988. Not insuring your two-wheeler with this mandatory policy invites fines and can even lead to imprisonment! This type of insurance provides financial cover against injury, death, and property/vehicle damage sustained by a third party due to an accident involving your insured bike.

2. Comprehensive Bike Insurance Policy
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Considered as an all-inclusive policy, it offers financial coverage against 3rd party liabilities and accidental damages to your bike. Damages to your vehicle incurred due to road accidents, natural and manmade disasters, and fire are covered under this plan. Bike theft is also an inclusion. Under the third-party cover, it provides financial protection against injury and death to the third party as well as damages to their vehicle or property.

3. Personal Accident Cover (PA)
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The PA Cover is not an insurance plan but offers additional coverage to your bike insurance policy. You must have the PA Cover, which is mandatory under The Motor Vehicles Act, 1988. You can buy this with Third-party Insurance or Comprehensive Insurance. It offers financial coverage (to you) against permanent disability and death while driving a vehicle.

Note that the information mentioned in this section is subject to changes and availability. Please read the respective policy wordings before you make any insurance-related decisions.

Need for bike insurance in Hyderabad
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Hyderabad is a fast-paced metropolitan city in India. Being one of the fastest-growing cities in the country, the infrastructure is constantly being improved to help the increasing needs of people commuting by bike on Hyderabad roads. With the increasing number of commuters on the road, the chances of road accidents are higher.

Damages to your bike or a third party may leave you financially exhausted. Here’s where having two-wheeler insurance in Hyderabad is an ideal way to protect yourself against financial loss. Comprehensive Bike Insurance Policy offers coverage against accidental damages, flooding, fire, explosion, riots, and vehicle theft. It also covers 3rd party liabilities. Thus, don’t ride your bike in Hyderabad without sufficient insurance coverage.

Challenges bike users face in Hyderabad
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Here are some problems experienced by bike users in Hyderabad.

Over-crowded city
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Being an emerging metropolis, Hyderabad is expected to be one of the fastest-growing cities in the world. With over 4 million two-wheelers on the road, the city is poised for massive vehicular growth, and consequently, bike users can be exposed to the possibility of road accidents.

City infrastructure activities
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Several infrastructure development activities in Hyderabad have led to diminishing road width, traffic jams, diversions, road cutting, etc. With poor road conditions, the probability of accidents is higher, and two-wheeler users in Hyderabad face the risk of damage to their vehicles.

Unexpected natural disasters
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Unforeseen flooding, cyclones, earthquakes, and other natural disasters can sometimes cause damage to your bike. Such accidental damages due to natural calamities are covered under the Comprehensive Bike Insurance Policy. You can also include add-ons (subject to availability) to increase the coverage.

Inattentive pedestrians
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The higher traffic density, poor road infrastructure, and inefficient traffic management impact pedestrians. And inattentive pedestrians can lead to road accidents. Having two-wheeler insurance in Hyderabad protects you financially against unforeseen 3rd party liabilities.

How to buy bike insurance in Hyderabad
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Here are steps to insure your motorcycle, scooter or electric bike from ACKO.

Step 1
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Scroll to the top of this page to provide a few details of your bike.

Step 2
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Upon choosing the suitable bike insurance policy, pay the premium online, and receive your policy document via email.

Benefits of buying bike insurance in Hyderabad from ACKO
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Here are the key benefits of buying two-wheeler insurance in Hyderabad from ACKO.

1. Low-cost premiums
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You can purchase two-wheeler insurance directly from us. There are no middlemen commissions involved in the process. We offer bike insurance policies at low premiums so that you get the best bike insurance in Hyderabad.

2. Speedy claims
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You can access your ACKO account via our website/app to file your claims. Minor claims are settled instantly, and significant ones are also processed seamlessly. Furthermore, we offer free pick up and delivery service for claim-related repairs (as per applicable terms).

3. Unique discounts on bike insurance
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We offer exclusive discounts on two-wheeler insurance on special occasions and during festivals. You get the added advantage of a low bike insurance cost in Hyderabad and discounts when you buy two-wheeler insurance from us.

How to raise a claim with ACKO
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Here’s how to submit a claim via our website/app.

Upon filing your claim, approved minor damages shall be settled within a few minutes. And, for damages that are significant, we shall settle the claim based on the extent of the damages (subject to the terms and conditions of the policy).

How can ACKO bike insurance protect your two-wheeler in Hyderabad?
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Riding a two-wheeler in Hyderabad can be challenging due to inattentive pedestrians, a high number of on-road vehicles, and poor road conditions. Thus, the chances of accidents are higher. Insuring your bike with wide-ranging coverage in Hyderabad is beneficial since it offers financial protection against such liabilities. 

You can now buy online bike insurance directly from our website/app in Hyderabad. Therefore, you can insure your bike, scooter or electric bike within a few clicks on our online platform. Visit our website/app to get a quote.

Why you should buy bike insurance in Hyderabad
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Here is why you should buy insurance for your two-wheeler in Hyderabad.

1. Avoid penalties
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Riding a two-wheeler without insurance in Hyderabad is a punishable offence. Currently, the traffic penalty for bikes without insurance is Rs. 2,000 for the first instance and Rs. 4,000 for consecutive violations and/or imprisonment. Your DL (Driving Licence) may be suspended too.

2. Avail of comprehensive benefits
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Consider buying a Comprehensive Two-wheeler Insurance Policy for wide-ranging bike insurance coverage. It offers financial protection against accidental damages to your bike due to road accidents, fire, explosions, and natural and manmade calamities. It also covers vehicle theft and third-party liabilities.

3. Improved coverage
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If you think Comprehensive Bike Insurance is insufficient, you can choose bike insurance add-ons suitable for Hyderabad with the policy based on availability. They provide additional coverage for a premium and coverage against liabilities not covered under Comprehensive Insurance.

Frequently asked questions
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Here are the answers to common questions about bike insurance in Hyderabad.

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How to buy bike insurance online in Hyderabad?

Scroll to the top of this page and buy or renew two-wheeler insurance in Hyderabad using the available bike insurance widget. 

Which is the best type of bike insurance in Hyderabad?

Comprehensive Bike Insurance is considered a suitable insurance plan for two-wheelers since it covers damages to your bike, theft and third-party liabilities. Furthermore, you have the choice to include add-on covers (based on availability) to enhance the insurance coverage further.

Is online bike insurance valid in Hyderabad?

Yes, online two-wheeler or bike insurance is valid in Hyderabad and across the country.

Is it compulsory to have bike insurance in Hyderabad?

Yes, it’s mandatory to have Third-party Insurance in Hyderabad for your two-wheeler. Failure to insure the bike with the mandatory bike policy can invite fines and/or imprisonment.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.