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Bike Accidents in Delhi and Insurance Claim

Team AckoJan 17, 2024

The surge in traffic and volume of vehicles on the roads has made two-wheelers more susceptible to bike accidents in Delhi. Moreover, some spots in the city suffer from structural deficiencies due to the design of the roads.

If you have been involved in an accident in Delhi, you may be wondering how to go about filing an insurance claim. We've covered all that and more in this article.




All About Bike Accidents in Delhi

The rise in bike accidents in Delhi, is primarily due to the increasing number of two-wheelers on the city's roads.

According to studies conducted by surveyors, almost 90% of road accident deaths in the city were due to bikers and cyclists. Most of these accidents involved collisions with other vehicles, and the majority of the victims were young men.

Several factors contribute to the high number of bike accidents in Delhi. First, the city's roads are often congested, making it difficult for two-wheelers to manoeuvre. Second, many two-wheeler riders tend to skip wearing helmets. This puts them at greater risk of serious injury in the event of an accident. Finally, many bike riders are inexperienced and do not know how to operate their vehicles properly.

Causes of Bike Accidents in Delhi

The several factors that cause bike accidents in Delhi include:

1. Human Errors

a. Overspeeding

One of the most common causes of bike accidents in Delhi is overspeeding. When a motorcycle is driven at a speed that is too fast for the conditions, it can be difficult to control and may lead to an accident.

Factors contributing to overspeeding include inexperience, road rage, or simply trying to keep up with traffic. Regardless of the reason, speeding is a dangerous behaviour that can put both the rider and others at risk.

b. Drunk Driving

Drunk driving is one of the leading causes of bike accidents. When drivers are under the influence of alcohol, they are more likely to make poor decisions and take risks that they would not normally take. This can lead to them crashing into another vehicle, causing serious injury or even death.

c. Distraction

When drivers are not paying attention on the road, they are more likely to hit a vehicle, another bike, or even pedestrians.

This can be especially dangerous if the driver is distracted by their phone, as they may not even realise where they are going until it is too late. If you are a two-wheeler driver, it is important to be aware of the dangers of distracted driving and to be extra cautious when riding near cars.

d. Breaking Traffic Signals

Bike accidents caused by breaking traffic signals are not uncommon. In fact, they are one of the leading causes of bike accidents in Delhi. The most common reason riders jump signals is to save time and fuel, which often leads to accidents.

2. Vehicle Failures

a. Brake Failure

Brake failure is one of the leading causes of bike accidents in Delhi. When a bike's brakes fail, the rider cannot stop or slow down, which can lead to a crash. Brake failure can be caused by many factors, including worn-out brake pads, improper maintenance, and faulty brake components.

b. Tyre Burst

Bike accidents caused by tyre bursts are becoming increasingly common. This is usually because the rider is going too fast, and the bike hits a pothole or obstacle that punctures the tyre. Once the tyre bursts, the bike is almost impossible to control, and the rider will likely be thrown off. In some cases, the rider may be lucky and only suffer minor injuries, but in others, the accident can be fatal.

c. More Number of Passengers

Overloading a bike makes it harder to control, and riders are more likely to lose balance and fall. Additionally, if they carry too much weight on their bike, the tires can become overloaded and burst. Therefore, it is important to only have a maximum of two people riding a pillion on bikes.

3. Bad Road Conditions

a. Potholes

Potholes are a leading cause of bike accidents. They can cause riders to lose control and crash. Potholes can also damage a bike's tires and wheels.

b. Speed Breakers

Speed breakers are another leading cause of bike accidents in Delhi. When a bike hits a speed breaker at high speed, it can cause the rider to lose control and crash. The impact can sometimes be severe enough to cause serious injuries or even death. Speed breakers can also damage the bike, making it unsafe to ride.

c. Damaged Road Surface

When a road is in bad condition, it can be difficult for motorcyclists to stay safe. Potholes, cracks, and other irregularities can cause a bike to lose control, leading to serious injuries.

4. Bad Weather Conditions

Bad weather conditions are a common cause of bike accidents. Wet roads can cause bikes to slip and fall, and potholes can cause bikes to lose control and crash. In addition, strong winds can blow bikes into oncoming traffic or off the road altogether. In addition, Delhi faces poor air quality during most months, adversely affecting visibility. During the winter months, foggy weather conditions pose a similar difficulty.

Number of Bike Accident Cases Reported in Delhi

Most accidents occur due to the negligence of riders. The following are the statistics on the bike accident rate in Delhi over the last 4 years:

Bike Accidents In Delhi - 2021:

36% of the total road accident deaths in Delhi in the year 2021, were caused due to bike accidents. Over 4,500 cases were recorded this year.

Bike Accidents In Delhi - 2020:

The year 2020 recorded around 39% of bike accidents in Delhi. More than 350 deaths occurred due to two-wheelers during this year.

Bike Accidents In Delhi - 2019:

In 2019, Delhi saw the least number of bike accidents and deaths in more than a decade. Bike accidents accounted for nearly two-thirds of the 1463 deaths that took place.

Bike Accidents In Delhi - 2018:

In 2018, bike accidents in Delhi accounted for 14% of all the accidents in the city. Out of the 6,515 deaths in Delhi this year, over 6% were due to bike accidents.

Safety and Bike Insurance as Protection Against Bike Accidents in Delhi

As the number of two-wheelers on Delhi’s roads has increased, so has the number of accidents involving them.

Most accidents involving two-wheelers are preventable if the riders take the necessary precautions. Wearing a helmet is the most important precaution a rider can take - it protects the rider’s head in the event of a fall or collision. Helmets can reduce the risk of head injuries by up to 85%.

Riders should also make sure their bikes are insured. Bike insurance protects them from financial loss in the event of an accident. It is important to note that third-party liability insurance is mandatory for all bikes in Delhi.

Riders can further reduce the risk of accidents by following traffic rules and driving safely. They should avoid speeding and reckless driving and ride within their abilities. Let’s find out more about the process of making a claim for a bike accident in Delhi.

What Are the Documents Required to Make a Bike Accident Claim in Delhi?

If you have been involved in a bike accident in Delhi, you will need to gather the following documents to make a claim:

  • A copy of the police report or FIR (First Information Report) filed after the accident

  • Registration certificate for the bike

  • Original copy of Registration Book and Tax Receipt

  • Driving license of the person driving the bike at the time of the accident

  • Estimation of the total costs of repair 

  • Original repair invoice and receipt

  • Documentation from your medical provider detailing the injuries you sustained in the accident

  • Photos of the accident scene and your injuries

  • Witness statements from anyone who saw the accident happen

  • Your insurance policy information

How to Buy Bike Insurance Policy in Delhi at ACKO?

To make a claim, you will have to either buy bike insurance online or renew the bike insurance that you already have. ACKO is the perfect destination to avail bike insurance at the best prices. 

To buy bike insurance online from ACKO, you can follow the below-mentioned steps:

  1. Visit ACKO's official website.

  2. Scroll to the bottom of the page and click on “New Bike Insurance

  3. Enter the number of your bike model, along with the purchase year

  4. Next, click on “View Prices”

  5. Once the new page loads, you can choose between a Third-Party Insurance Plan (5 years) or a Bundled Plan (Third-Party Insurance for 5 years and Own Damage Cover for 1 year)

  6. After choosing a plan, enter your personal details on the form and select the date when the policy should become active

  7. Review your selected plan and pay the cost of the premium online

  8. You can now download your bike insurance policy document from the website!

Things to Remember

When you are involved in a bike accident in Delhi, it is important to have a bike insurance policy in place to be compensated for any damages or injuries you may have sustained.

Without insurance, you would have to bear the full cost of any repairs or medical treatment yourself, which could be very expensive. 

In addition, if you are found to be at fault for the accident, your insurance company will also be liable to pay for any claims made against you. This could include claims for personal injury or property damage. Having insurance, therefore, protects you financially in the event of an accident.

Frequently asked questions

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


How many days do we need to wait before claiming bike insurance? 

You can claim bike insurance between 1 to 7 days after the accident. While you can make a claim with your insurance company within 7 days of the accident, most companies have a window of 24 to 48 hours from the time of the accident to file a claim.

Can bike insurance be claimed without FIR?

Yes, you can claim bike insurance without FIR. However, in the case of third-party claims, an FIR (First Information Report) is considered mandatory.

Is a bike accident considered a criminal offence in India?

Yes, a bike accident is considered a criminal offence in the country. If a biker is involved in an accident that causes the death of a person, or injury to a third party, they will be booked under Section 304A of the Indian Penal Code (IPC). The punishment in this case typically involves a jail time of 2 years, a fine or sometimes, both. 

Who is the second party in an insurance contract? 

The second party is the insurance provider who covers the risk of a bike accident.

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