You Must Know These Terms & Conditions Of Five Years Insurance Policy Of Two Wheelers (Bike/Scooter)

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The highest insurance regulator in the country, IRDAI, makes changes in rules and regulations of vehicle insurance from time to time. The increasing number of two wheelers plying on Indian roads as well as the rising numbers of uninsured bikes and road accidents, IRDAI has made a recent change in two wheelers insurance regulations which states that it is necessary for every new two-wheeler to be issued with a long term insurance policy for 5 years.

The change made by IRDAI to make 5 years' two-wheeler insurance mandatory was prompted by a Supreme Court ruling in September 2018. The intention behind this is to make sure that the maximum number of two-wheelers on the roads are insured and to reduce the number of cases of accidents with lapsed or expired policies or uninsured vehicles. Let’s read all about how this works.

It is important to note that the minimum 5 year tenure is compulsory only for third party insurance plans. If you choose a comprehensive two-wheeler insurance cover, then your policy tenure will be for 3 years as opposed to 5 years. A minimum of third party cover at all times is already compulsory under the Motor Vehicles Act of 1988.

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