Two Wheeler Bike Insurance 8434 views August 31, 2019

Hidden Two Wheeler Traffic Rules in India

Two Wheeler Traffic Rules in India 2021 WishPolicy Updated List

Rajesh had just bought his new bike and given wings to his biggest dream. He was excited and could hardly wait to take the vehicle out for a spin. In his hurry and excitement, he started riding the bike without a helmet, and that too when two of his friends were riding pillion. Unfortunately, Rajesh was caught by the traffic police and ended up paying a hefty fine for breaking multiple rules. This was definitely not the ideal way for Rajesh to begin his association with his precious bike!

There are many traffic rules in India that you must know about. From riding with a valid motor vehicle insurance plan to wearing a helmet at all time, you must be aware and responsible always. Read on to know more.

Two (2) Wheeler Traffic Rules Which Every Bike Rider Needs to Know About

Here are some of the traffic rules you must pay attention to. You must be aware of some, and unaware of the others, so take a good look at them all:-

Driving Under the Influence of Alcohol

As is well known, drunken driving can land someone in deep trouble. You can not only get caught and fined by the traffic police. The fine charges have recently been revised. While previously the fine was only Rs 2,000, now it is up to Rs 10,000. Then, if you end up in an accident due to drunk driving, your bike insurance provider won’t entertain your insurance claim request. You will be in a deep mess thereafter!

Driving While Speaking on the Phone

While it is common sense to keep your phone away when you ride your bike, lots of people commit this mistake frequently. The fine for this offense is Rs 5,000 as it constitutes dangerous driving. Again, any accident happening because of this won’t be entertained by the motor insurance provider as you were violating the traffic rules.

Speeding and Rash Driving

You can be fined up to Rs 2,000 for over-speeding with your bike. Stay away from this activity as it causes a lot of harm to you as well as the people around you. if you end up hurting someone due to over speeding, the vehicle insurance provider may even reject a third party insurance cover, landing you in a lot of trouble.

Jumping Traffic Signals

Whether you are in a hurry or you just want to enjoy a rush of adrenaline, do not ever jump a red signal. This can cause harm to many people in many ways. You can get fined up to Rs 1,000 and your driving license can get suspended for a while as well. Additionally, your bike insurance company will also make a note and classify you as a dangerous rider. This can push up the insurance premium rates later on.

No Helmet

Remember what happened to Rajesh? Don’t be in his position as riding your bike without wearing a helmet can attract a penalty of Rs 1,000. Injuries commonly happen when you ride without a helmet and in such a case, your bike insurance provider would not allow you to make an insurance claim either.

No License

It is common knowledge that you need to have a valid driving license before you get on a two-wheeler. If you are caught riding without a license, you will be fined Rs 5,000 instantly. You also won’t be able to make any insurance claims on your motor vehicle insurance plan.

No Insurance

This is perhaps one of the most important points to note. You need to have a valid third-party motor insurance cover. You can also choose to get a comprehensive bike insurance cover. If you ride without a valid bike insurance policy, you will be fined Rs 2,000. If you have an accident, you won’t be able to raise a motor insurance claim.

Too Many People on the Bike

And finally, you must ensure that only two people, including yourself, is seated on the bike. If there are too many people and there is overloading of the vehicle, you will be fined Rs 2,000. Your bike insurance provider won’t be too pleased with you either and may cancel your insurance claim request.

These are the common traffic rules that you must be aware of. Follow the traffic rules or else you will get into a lot of trouble, both with the police as well as with the company that offers you your vehicle insurance plan.


Rajesh learned his lesson early on. Thereafter, he followed all the traffic rules. This made it easier for him to maintain his bike insurance cover and also to initiate the insurance claims as and when he needed to do so. Be like Rajesh and ride your two-wheelers safely by following the traffic rules set by the Indian authorities.

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