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Can I Take Only First Party Insurance?

Yes. Only first party bike insurance cover can be taken subject to the customer having valid third party insurance in place. Without valid third party insurance policy most of the insurance companies would not offer first party insurance. This is due to the fact that third party insurance is mandatory without which you can be fined up to Rs.5000 or 3 months imprisonment or both. If you have taken 1+5 insurance policy which means 1 year first party and 5 years third party, then for subsequent renewals you can have only first party as long as your third party policy is valid.

What is First Party Bike Insurance?

The First Party Bike Insurance is an agreement between the insured customer and the insurance company whereby the insurance company agrees to settle the damages incurred by the insured in return for a considerable amount known as a premium. Under the first party bike insurance provides limited coverage restricted only against any damage to your bike, whether caused due to man-made or natural disasters.

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