Mysore, also known as Mysuru or The City of Palaces, is not just famous for its Dasara celebrations and royal heritage, but also for its love for two-wheelers. With over 7.5 lakh registered two-wheelers as per Mysore RTO records, the city has more scooters and bikes than cars on its roads. Locals affectionately call their bikes “gaadi” in Kannada, adding flair to everyday rides. Whether it’s weaving through Devaraja Market lanes or cruising around Chamundi Hills, two-wheelers remain Mysore’s most beloved way to move. Ensure you pair your beloved gaadi with two wheeler insurance, as it is mandatory under the Motor Vehicle Act 1988 to have third-party bike insurance in India.
Although two-wheelers are the preferred choice for the people of Mysore, they still find obstructions to ease of travel. These obstructions can be easily dealt with by bike insurance. Here are things to consider while purchasing a two wheeler insurance policy in Mysore:
Mysore is a city blessed with ample rain throughout the year. However, dam overflows, waterlogging and flood risk are still prevalent in the city. A flood can lead to major engine damage in the bike, whose repair would cost a lot. If you do not have comprehensive bike insurance, along with add-ons like engine protection cover, this would be calculated as an out-of-pocket expense.
In 2023, 168 were killed, with 115 deaths due to speeding and 48 due to not wearing helmets, according to accident reports in Mysore. Without bike insurance, repair costs, hospital bills and even legal action can land you in trouble. Two-wheelers are the optimum manoeuvring through traffic, but are not as safe as a car. Get insured to be financially safe.
Comprehensive bike insurance covers total loss due to theft. In case your bike is stolen in Mysore, you will receive the IDV of the bike as per the insurance policy if you have comprehensive bike insurance. Police state that the major reason behind bike thefts in Mysore is due to bikes not secured by locks.
Not having bike insurance in Mysore can lead to fines up to ₹4,000 on repeated offences. As per the law under the Motor Vehicle Act 1988, you need third-party bike insurance to be able to ride on public roads in India. It is the most basic and least priced bike insurance, and you should have it to avoid fines and challans. If you wish to ride on Mysore roads.
Most major insurers have a wide network of garages across the city. Consider the one which is most accessible to you and get bike insurance from them. You can refer to Coverfox to search network garages and select the best bike insurance policy for your two-wheeler.
Coverfox provides an excellent support team for any issues regarding claims. Also, look out for CSRs of different insurers before considering buying a bike insurance policy in Mysore.
In Mysore, you can choose from 3 types of bike insurance that include:
Third-party insurance covers liabilities that would arise from an accident caused by your vehicle to a third party (person/property/vehicle). As per the Motor Vehicle Act 1988, a third-party insurance policy is mandatory for every bike to ride on public roads in Mysore and all across India.
Comprehensive bike insurance ensures extensive coverage, ensuring all-around protection. This includes any third-party liability, damage done to your vehicle and protection that can be enhanced using Add-ons.
This type of coverage plan covers damage done only to your bike. It is only available to you if you already have third-party bike insurance. A standalone own damage insurance policy is useful when you wish to buy third-party insurance from some other company and need further coverage for your bike (you can also customise it using Add-ons).
To get the best deals on two-wheeler insurance online in Mysore, follow these steps:
Renewal of two-wheeler insurance is important for maintaining NCB benefits, avoiding lapsed policies and avoiding challans in Mysore. Here’s how you can renew your bike insurance in under 3 minutes:
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 Mysore:
You can file for two-wheeler insurance claims online in Mysore or opt for cashless claims. Here’s how:
Insurance premiums can spike up pretty easily if not structured properly. Here are a few tips to help you reduce insurance premiums in Mysore:
Two-wheelers are prevalent and important in Mysore. Scooters and bikes are the backbone for travelling, especially for college-going students and office commuters. Getting bike insurance is also equally important to be legally sound and ensure the financial protection of you and your bike. Get the best quotes for bike insurance in Mysore at Coverfox.
Ans: Yes, third third-party bike insurance is mandatory in Mysore.
Ans: More than rural areas but less than metropolitan cities.
Ans: Bike’s age, make, model, area, add-ons, type of insurance, and discounts all factor into the premium price in Mysore.
Ans: ₹2,000-₹4,000.
