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Bike Accidents in Bangalore and Insurance Claim

Team AckoFeb 16, 2024

Bangalore is notoriously famous for its high traffic density. Precisely for this reason, so many people in this city rethink their decision to buy cars, and go for more convenient modes of transportation instead. 

So, if you are also thinking about buying two-wheelers like bikes which can weasel their way through tight spaces, there is something you should know first. Read on to learn about the number of bike accidents in Bangalore, and how an insurance claim can protect you.

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Bike Accidents in Bangalore

Bangalore is the capital city of Karnataka, a state located in Southwest India. Besides being home to numerous MNCs and tech companies, Bangalore is also the birthplace of many startups. In addition, it's considered the IT hub of India, which is why so many people flock to Bangalore to work and live here. This has not only increased its population to more than 10 million, but also earned it the title of being India's third megacity.

But all good things come with flaws, and Bangalore is no exception. The city experiences some of the worst instances of traffic congestion in India. Being stuck in traffic for hours on end can feel frustrating. When vehicles finally get moving, you may want to speed up on your bike, but that's when mistakes happen and result in bike accidents in Bangalore.

Number of Cases of Road Accidents Reported in Bangalore from 2018-2021

Overspeeding is the primary cause of bike accidents in Bangalore, besides other reasons that frequently lead to road accidents. So, let's understand the bike accident rate in Bangalore and what factors contribute to this rate.

Road Accidents in Bangalore - 2018

Total Number of Accidents

Total Number of Fatal Accidents

Total Number of Non-fatal Accidents

Total Number of Persons Injured

Total Number of Persons Killed

4,611

661

3,950

4,133

684

  • Besides overspeeding, the causes that contributed to bike accidents in Bangalore in 2018 were the violation of traffic rules, reckless driving, blackspots, not wearing helmets, pot-holes and narrow roads, lack of pedestrian crossings, etc.

  • The types of vehicle collisions in Bangalore in 2018 consisted of a hit from the back, hit from the side, hit and run, collision with a parked vehicle, head-on collision, etc.

  • Most of the bike accidents in Bangalore in 2018 occurred in open areas, followed by the market and institutional areas.

  • The majority of the bike accidents in Bangalore in 2018 affected 18 - 45-year-old people.

Road Accidents in Bangalore - 2019

Total Number of Accidents

Total Number of Fatal Accidents

Total Number of Non-fatal Accidents

Total Number of Persons Injured

Total Number of Persons Killed

4,688

744

3,944

4253

766

  • The leading causes of bike accidents in Bangalore in 2019 were rash driving, using mobile phones when driving, jumping red lights, not wearing helmets, driving in the wrong lane, etc.

  • Most bike accidents in Bangalore in 2019 occurred on city roads, followed by National and State Highways.

  • The types of vehicle collisions and accidents in Bangalore in 2019 consisted of:

Hit and run

Collisions with parked vehicles

Hit from the back

Hit from the side

Run off-road

Collision with a fixed object

Vehicle overturns

Head-on collisions

326

84

1,831

1,366

66

71

148

576

Road Accidents in Bangalore - 2020

Total Number of Accidents

Total Number of Fatal Accidents

Total Number of Non-fatal Accidents

Total Number of Persons Injured

Total Number of Persons Killed

3,236

622

2,614

2,760

647

  • The top-most causes of bike accidents in Bangalore in 2020 were driving over speed limits, drunk driving, narrow and pot-holed roads, neglecting traffic rules, etc.

  • Majorly, bike accidents in Bangalore in 2020 occurred among 18 - 60-year-old people.

  • The types of vehicle collisions and accidents in Bangalore in 2020 consisted of:

Hit and run

Collisions with parked vehicles

Hit from the back

Hit from the side

Run off-road

Collision with a fixed object

Vehicle overturns

Head-on collisions

571

48

1,121

551

20

66

52

453

Road Accidents in Bangalore - 2021

Total Number of Accidents

Total Number of Fatal Accidents

Total Number of Non-fatal Accidents

Total Number of Persons Injured

Total Number of Persons Killed

3,211

618

2,593

2,828

651

  • The main causes of bike accidents in Bangalore in 2021 were reckless driving, using phones while driving, lane indiscipline, drunk driving, jumping red lights, etc.

  • Bike accidents in Bangalore in 2021, mainly occurred in open areas, followed by the market and residential areas.

  • The types of vehicle collisions and accidents in Bangalore in 2021 consisted of:

Hit and run

Collisions with parked vehicles

Hit from the back

Hit from the side

Run off-road

Collision with a fixed object

Vehicle overturns

Head-on collisions

229

114

1,200

633

65

102

68

492

Bike Insurance Policy as a Protection Against Bike Accidents in Bangalore

Bike accidents in Bangalore seem to mostly affect people who are 18-45 years old. So, if you also fall in this age group and want to protect yourself financially, it is prudent to buy a bike insurance policy.

How Can You Buy a Bike Insurance Policy in Bangalore at ACKO?

Purchasing bike insurance online at ACKO is a pretty simple process. You only need to follow the steps given below:

  • First, visit ACKO's website and go to the bike insurance section in the dropdown box.

  • Fill in all the details about your bike.

  • Select the bike insurance policy and add-ons as per your needs.

  • Pay the premium. You will immediately receive the selected insurance policy document in your inbox.

Once your bike insurance policy expires, you can renew it by following these steps:

  • Login to your profile at ACKO with the OTP sent to your registered mobile number.

  • Click on the 'Renew Policy' option.

  • You will be able to view the plans to renew your bike insurance on your Policy Card.

  • Select an insurance plan and click on the 'Buy Now' button shown against it.

  • Make the payment to complete the insurance policy renewal process.

Documents You Require to Make a Bike Insurance Claim in Bangalore

You need to upload the soft copies of the following documents on your ACKO profile to make a bike insurance claim in Bangalore.

  • Copy of your driving licence and bike keys

  • Copy of the bike insurance policy

  • Copy of your bike’s Registration Certificate (RC)

  • Proof of identification (in case you are the policyholder)

  • Original repair bill and original payment receipts of your bike

  • First Information Report (FIR) - if it is required

  • Non-traceable Certificate (if it is required)

  • Fire brigade report (if you have lodged it)

Things to Remember

Here’s a list of all the important things you should remember about bike accidents in Bangalore, and how a bike insurance policy from ACKO can save you financially:

  • Bangalore has the worst traffic congestion in India. As a result, bike accidents are quite common in the city. 

  • The leading causes behind bike accidents in Bangalore are overspeeding, disobedience of traffic rules, not wearing helmets, drunk driving, etc. 

  • Most bike accidents in Bangalore involve the 18-45 age group. So, to protect yourself financially, purchasing a bike insurance plan can prove very helpful. 

  • To buy a bike insurance plan at ACKO, visit ACKO's website, fill in your bike details, choose a preferable insurance plan, and pay the premium. 

  • The documents you need to make a bike insurance claim in Bangalore at ACKO are, a copy of the bike insurance policy, a copy of the driving license and bike keys, original bike repair bills, etc. 

Frequently asked questions

Here are the answers to some of the common questions about two-wheeler accidents in bangalore.

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Is it mandatory in India to have a bike insurance policy?

Since bike accidents can happen at any time, the government of India, under the Motor Vehicles Act, has made it mandatory for people who own a bike to have a bike insurance policy.

How helpful is buying third-party bike insurance?

Third-party bike insurance is quite helpful; it not only provides financial coverage for damages to the third party but also safeguards you from legal complications in the wake of the accident.

How long should you wait to claim insurance after a bike accident?

You should claim insurance immediately after a bike accident, preferably within 24 hours of its occurrence.

What factors affect the premium you have to pay when purchasing a bike insurance plan?

At ACKO, the factors that affect your premium are the model of your bike, your age, insured declared value, no claim bonus, etc.

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