Two-wheeler Insurance
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When it comes right down to it, you are going to be spotted by traffic police only when he or she feels you have broken a traffic rule. Therefore, the #1 tip to avoid traffic fines is pretty obvious:
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If you ride a motorcycle in India, it is mandatory to have third-party insurance. This insurance protects you from financial liability in case you cause damage to third-party property or life while riding. Insurers also provide comprehensive cover for riders, which is non-mandatory but comes highly recommended.
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Following a High Court judgment to enhance the mandatory personal accident cover for personal cars and two-wheelers, IRDAI has decreed that the PA cover
be raised to INR 15 lakhs from the current INR 2 lakhs for cars and INR 1 lakh for two-wheelers. Premiums for this mandatory cover will increase to INR 750 per annum from the current INR 100 for cars and INR 50 for two-wheelers. General insurers are required to mandatorily provide it both for Third-Party Liability as well as Comprehensive covers.