(image for representational purpose only)
I bought myself a swanky two wheeler and was thrilled to take it out for a ride. It was a normal day for me and I was full of energy and positivity to make my day at office productive. I prayed that my ride was smooth like any other day.
I started driving out to the office and while I was on the road there was an auto which took a sudden u-turn without warning from my left lane to the extreme right lane on the side of oncoming traffic. There was hardly any moment for me to react and I wished and prayed that nothing drastic happened. My two wheeler crashed into the auto and both the vehicles were badly dented.
Upon mutual discussion I gathered that the auto driver did not have valid vehicle insurance which I could use to settle the claim. Since I had my own valid two wheeler insurance, I could log a claim and complaint and get the vehicle repaired soon.
These days driving a two wheeler around Bangalore is a nightmare. The traffic is a chaos and bigger vehicles do not spare a thought about smaller ones or give way to them. There is another extreme set of drivers who keep changing lanes without warning incoveniencing two wheelers. These people exhibit a complete lack of discipline and do not care about anyone else on the road.
Some of us don’t wear helmets, some of us carry more than two passengers, some of us hold kids in precarious positions and some of us get wet in the rain and continue driving at night without proper road lighting.
I have even seen buses constantly honk by driving very close to two wheelers from behind them scaring them out of their wits. Just one touch is enough to send the two wheeler driver flying onto the road. Also in general lots of people flout rules for their convenience such as talking on the mobile or using a shortcut one way road etc.
There are lots of us who offer prayers to the lord before we leave for work each day. We even get very concerned if bad omens occur such as cats crossing on the road or if we sneeze before leaving somewhere. Some people have lemon and chillis hanging in their vehicles to ward off bad incidents. Similarly we feel good if bird poops on our vehicles, or hear bells as these are considered as good omens.
Bharti Axa has put up an ad that reflects the reality of how we believe more in superstitions than take up a rather concrete resolution of having something as important as insurance which would matter more in emergency circumstances.
While these things can alter your state of mind, the reality is that you need to be very careful while driving in this crazy traffic that is getting worse day by day.
In the worst case that you did have an accident with your two wheeler god forbid, having a comprehensive bike insurance will save you a lot of hassles. Arguably getting an insurance for your vehicle can be pretty cumbersome as you need to go around town in search for the same wasting your time. But the good news is that most insurance companies now offer you online two wheeler insurance.
You can visit their websites, punch in a few personal details and information regarding your vehicle using which you can decide on your insurance amount almost then and there. For some rare cases the vehicle needs to be inspected in case the insurance may have expired. Having online bike insurance is a boon for people who are busy at their offices as its a pretty seamless application process. Also the more expensive the bike is, all the more important it is to have proper bike insurance.
There are different types of insurance available from basic to comprehensive and sometimes even pedestrian coverage. It is always prudential to have a good insurance cover for yourself and your vehicle rather than get into a police case mess during accidents. Not having insurance will attract additional penalties as well as you are flouting the rules while driving. It will also increase costs of repair for your vehicle.
Given that every day of our life is precious for us and our families it is important not to let down the people dependent on us. We do not know what surprises are in store for us on the road, but it would be a good feeling to know that we are secured if we have comprehensive motorcycle insurance. Being insured is always a safe feeling and this is one of the reason for you to ensure to insure yourself !