Kanpur, the famous “Leather City of the World”, is situated in Uttar Pradesh, is a hub for the import and export of leather. Kanpur is a historic city with colonial memorials to 1857-era sites, and the city offers deep insights into India’s past. Here, two-wheelers have seen dominance over four-wheelers and other vehicles. In fact, as per data in 2020 (CEIC), the number of registered two-wheelers in Kanpur city (non-transport category) stood at approximately 1,143,000, and the number has since risen. With such a high density of two-wheelers, the need for two wheeler insurance is high in Kanpur. Especially when the Motor Vehicle Act 1988 clearly states the legal requirement of at least third-party two-wheeler insurance in India.
Two-wheeler riders in Kanpur face a number of challenges. These challenges can be conquered with bike insurance. Buying bike insurance in Kanpur will ensure financial security, along with legal compliance. Here are things to consider while purchasing a two wheeler insurance policy in Kanpur:
Kanpur is infamous for having bad road conditions. According to MoRTH, Kanpur ranks among the top five Indian cities in accident-related fatalities and has the worst crash severity metric in its peer group in 2021. A report by SaveLIFE Foundation in partnership with the Indian Institute of Technology (IIT) Kanpur also revealed that two-wheeler speeding is a major reason for accidents in Kanpur, among other districts in UP. Accident-related damages are covered by insurance companies only if you are insured with two-wheeler insurance.
While two-wheelers are dominant in Kanpur, the risk of bikes getting stolen is equally high in the city. Local media and police reports show incidents of bike thefts in areas like Chakeri (HAL Colony), Sirsaul–Narval, Kidwai Nagar–Saket Nagar, Hanumant Vihar–South City, and Fazalganj. Getting your bike stolen is a huge loss unless you are covered by bike insurance – where you will be compensated by the IDV of your bike if your bike gets stolen or totalled.
Kanpur district was designated as highly flood-sensitive by the Uttar Pradesh State Disaster Management Authority. With proximity to rivers and receiving ample rainfall, Kanpur faces a huge problem of flood risk and waterlogging due to potholes. Bikes are exceptionally vulnerable to floods, causing engine damage and total failures. Buying bike insurance policies with the Engine Protection Cover add-on is a good idea in Kanpur.
As per the Motor Vehicle Act 1988, all two-wheeler vehicles must have third-party two-wheeler insurance to be able to legally ride on Indian public roads. Failing to do so in Kanpur can lead to hefty fines (up to ₹4,000 on repeated offences).
Insurers provide a vast network of garages in Kanpur. Opt for an insurer that provides an accessible network garage in Kanpur to avail the facility of cashless claims.
Ensure that your bike insurer in Kanpur has a good CSR and has an excellent after-sales support team like Coverfox. Getting help while you file a claim against your bike insurance company is optimal.
You can buy 3 types of bike insurance policies in Kanpur:
Also known as liability bike insurance cover, this type of bike insurance covers any third-party liabilities that can arise from an accident in Kanpur. It is legally mandatory to have third-party bike insurance; failing to carry one can lead to hefty fines in Kanpur.
If you are looking for all-around protection for your bike, comprehensive bike insurance is the way to go. Comprehensive bike insurance provides both third-party liability cover and own-damage cover, which can be enhanced using add-ons to further extend your protection.
Own-damage bike insurance refers to damages that are caused to your own bike. This type of insurance will cover any damage that will be caused to the policyholder’s vehicle, in an accident, natural disaster or man-made hazard. It does not cover third-party bike insurance, and that must be bought separately in Kanpur for legal compliance.
Buy bike insurance online in Kanpur through Coverfox by:
Coverfox provides 3-minute renewals in Kanpur. Just follow these steps and get your policy renewed before lapse:
If your old policy is from Covefox, then:
Your policy will be renewed after the payment and verification of documents.
The following documents are required for buying/renewing two-wheeler insurance in Kanpur:
You can file for two-wheeler insurance claims online in Kanpur or opt for cashless claims. Here’s how:
Reduce your two-wheeler insurance premiums in Kanpur without losing out on coverage by:
Two-wheeler insurance in Kanpur is essential, not only for legal reasons but also for financial security. Ensure you ride safely with a valid bike insurance policy to have peace of mind and avoid any legal fines that can cost you. Bike insurance in Kanpur ensures that you are covered financially when your bike is damaged or causes damage to a third party. Coverfox offers one of the best platforms where you can buy, compare and renew your bike insurance policy while getting immaculate discounts!
Yes, third-party bike insurance is mandatory throughout India.
Kanpur, as a city, has a higher premium than rural areas, but lower premiums than metropolitan cities like Mumbai, Delhi, Bangalore, etc.
Bike’s age, make, model, area of purchase and use, type of bike insurance policy, discounts, add-ons, insurer, etc, all are factored in pricing the bike insurance premium in Kanpur.
₹2,000-₹4,000.
