Is it illegal to drive scooter without | Insuremile

Overview of Is it illegal to drive scooter without

The legal, financial, and personal risks of riding a scooter without insurance far outweigh the relatively low cost of securing a policy. From heavy fines to potential imprisonment, riding without insurance is a serious offense in India. To stay compliant and financially protected, ensure your scooter is always insured with at least third-party coverage. By investing in the right insurance, you can enjoy the freedom of the road without worrying about the consequences of an uninsured ride.

Two-Wheeler Insurance Regulations and Multi-Year Requirements

New two-wheelers sold in India are required by Supreme Court directives and IRDAI regulations to carry upfront 5-year third-party liability insurance bundled with a 1-year own damage policy. After the first year, owners must renew their standalone own damage policy annually while the five-year third-party coverage remains active.

Material Depreciation Deductions on Repaired Parts

Standard motor policies enforce fixed depreciation deductions on replaced parts: 50% on rubber, nylon, and plastic components (including fairings, tyres, and tubes), 30% on fiberglass panels, and 0% on glass elements. Opting for a Zero Depreciation rider waives these deductions, reducing repair expenses after collisions.