Why Is Wearing A Helmet Critical For Making Two-Wheeler Insurance Claims?

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Posted By Jennifer Murphy

Due to the constant traffic on Indian highways, commuting on a two-wheeler is simpler than driving a car. However, one of their biggest issues is safety. Thus, a helmet is among the most essential and fundamental safety gear for a rider or passenger. How to buy motorcycle insurance? What effect does this have on your bike insurance claim? To find out, continue reading.

  • Safety for Two-Wheeler Vehicles

Although they are practical and inexpensive, bikes and scooters expose their riders to significant risks on the road. Due to various factors, including poor road conditions and slick roads during the monsoon, two-wheelers are more prone to accidents. According to data from the Ministry of Road Transport and Highways (MoRTH)^, two-wheelers and pedestrians account for 54% of all accident-related fatalities in India, with two-wheelers being involved in 37% of fatal road accidents. These figures help us understand the level of risk associated with riding a two-wheeler. *

The primary concern for a two-wheeler rider is safety. In India, if you own or ride a bike or scooter, you could follow these two precautionary steps: Use a full-face (ISI) helmet of high quality, and have a comprehensive insurance policy for your two-wheeler. Any two-wheeled vehicle, be it a moped or a sports bike, requires the wearer to wear a helmet. Because it safeguards one of your body’s most vital organs, your head, a helmet can save your life. Therefore, make sure the rider and pillion both wear helmets. *

  • How Does the Failure to Wear a Helmet Affect a Bike Insurance Claim?

You now know the significance of using a helmet when operating a two-wheeler. But how can you lose a bike insurance claim if you’re not wearing a helmet? Before responding to this query, let’s examine a bike insurance plan’s advantages.

The following coverage features are included with a comprehensive bike insurance plan like Bajaj Allianz Bike Insurance Claim:

  • It could shield you from responsibilities in court.
  • It could provide you with a financial safety net in case of an accident. Insurance provides coverage for expenses (vehicle damage, third-party losses) incurred due to an accident.
  • It includes the required third-party bike insurance coverage for your two-wheeler.

Riding your bike or scooter can be harmful without proper motor insurance coverage. In the event of an accident, this could have significant financial repercussions.

The Nashik (Maharashtra) Police have announced that whether or not the rider of the two-wheeler was wearing a helmet at the time of the accident will be noted in the records. It may not be a surprise if this is also adopted in other regions of the nation. When it comes to bike insurance claims, this development has significant ramifications. *

You will find a section titled “Exclusions of the Bike Insurance Policy” in the terms and conditions of your bike insurance plan. Exclusions are simply situations that the policy does not cover. One of those exclusions is acting carelessly or irresponsibly while operating a vehicle. The insurance may deny the claim if the police report reveals that you were not using a helmet while operating a two-wheeler since your negligence brought on the injury. *

  • Takeaway

In India, riding two-wheelers may be unsafe, making safety gear like a helmet essential. The insurer can reject your claim to have you ride your bike or scooter safely rather than deter you from filing claims. *

In addition to wearing the appropriate safety gear, having a bike insurance plan is crucial. Getting coverage now is much simpler with two-wheeler insurance apps and several options.

For more information on Bajaj Allianz Bike Insurance Claim, check online. Make sure to compare several options before choosing one that suits you most. 

* Standard T&C Apply

‘Insurance is the subject matter of solicitation.’ For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.‘

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